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London Transport Zones

London is divided into 1–9 zones*, but most of it fits into zones 1–6. Central London is zone 1, zone 2 is the ring around zone 1, zone 3 is the ring around 2 and so on.

*zones 7,8 and 9 cover a small area just outside North West London including Watford, Croxley Green, Rickmansworth, Amersham or Chalfont & Latimer.

It’s important to be aware of London’s transport zones and to find out what zone a station is in. Ticket prices for One Day, Weekly or Monthly Travelcards or the money deducted from a Pay as you go Oyster card or contactless card can vary considerably according to how many zones you travel through.

The zones do not apply to bus travel . You can travel by bus all over London (zones 1–6) with any Travelcard.

First time visitor to London? See our guide to London’s transport tickets

London zone map

You can see the zones on a tube map, coloured in either white or grey.

• View a standard PDF version of the tube map
• If you stay in a part of London that is not on the tube network, see the National Rail services map (pdf) to find the zone for your closest train station.

What London transport zones do I need?

Find the closest underground or train station to your accommodation. Then find the zone of the station you want to travel to. If you’re visiting London for sightseeing or to shop this will probably be zone 1.

When you know the zones you need to pay for, what you do depends on the type of ticket/pass you buy:

Weekly or monthly Travelcards

You buy a Travelcard that covers all the zones between where you stay and where you want to visit/your regular final destination. For example:

• if you stay in Shepherd’s Bush (zone 2) and plan to visit central London (zone 1), you need a zone 1-2 Travelcard.
• If you stay in Wimbledon (zone 3) and travel to/from central London, you need a zone 1-3 Travelcard.

Pay as you go Oyster card

If you use a Pay as you go Oyster card , top-up your card with enough money to either pay for a single journey for the zones you travel through or add enough money to cover the cost of the ‘daily cap’ if you want unlimited travel for the day.

Contactless

With a contactless card, you do not have to worry about the zones as the system will calculate the fare for you the next day. Remember to always touch in and out on the tube or local trains (with the same card!) to ensure you are charged the correct amount.

How to pay for transport outside your normal transport zone

There may be occasions when you need to travel outside the zones on your weekly or monthly Travelcard.

The procedure is slightly different if you have a Travelcard loaded on an Oyster card, or a paper Travelcard:

Travelcards on an Oyster card

If you already have a weekly Travelcard for certain zones and want to visit a place outside that zone, top-up your Oyster card with some Pay as you go money to cover the cost of travelling between the last zone on your Travelcard and the zone you want to visit.

For example, if you have a zone 1-2 weekly Travelcard and you want to visit Richmond in zone 4, you need to add extra money to your Oyster to cover the fare for zones 3 and 4.

See Oyster single fares to find a fare. You can add extra money to your Oyster card at a tube station ticket machine.

Paper Travelcards

If you have a paper version of the Travelcard, you need to buy an extension ticket from the underground station ticket machine.

Stations in two zones

Some stations are on the border of two zones. These stations have a white box around their name on the tube map. Tickets to these stations are slightly different.

For example:

• Earl’s Court tube station is in zone 1/2. If you stay in Earl’s Court and take the tube to any other station in zone 1 (central London), you pay the zone 1 single fare with a pay as you go Oyster or contactless card.
• If you travel from Earl’s Court to Heathrow (zone 6), the single fare is charged from zone 2 to zone 6, not from zone 1-6.
• ABBA Arena is in zone 2/3. From zone 1, you pay the zone 1-2 fare. If you are staying in outer London and are travelling to the stadium without travelling through central London (zone 1), you pay the the fare to zone 3.

How to save money on travel to central London from zones 2-6

A major benefit of the Travelcard is that it’s valid on the buses for the whole of London, regardless of the zones you buy.

If you stay in zones 2-6 and want to travel to zone 1 (central London) a good money-saving tip is to buy a weekly or monthly Travelcard excluding zone 1 , but including zone 2. You can then take the tube/train to the zone 2 station close to zone 1 and then use the bus to travel to and around zone 1.

This only works with a weekly or monthly Travelcard, but you will save a money.

• If you stay in zone 5, a zone 1-5 weekly Travelcard is  £73.00 .
• A zone 2-5 weekly Travelcard is £42.50 , saving you £30.50 a week
• A zone 1-5 monthly Travelcard is  £280.40
• A zone 2-5 monthly Travelcard is  £163.20 a saving of £111.70 a month

Popular places to visit outside central London (Zone 1)

Tourist attractions.

Chiswick House – zone 2 (Turnham Green) Cutty Sark – zone 2 Dulwich Picture Gallery – zone 2 Ham House – zone 4 Hampton Court Palace – zone 6 Kenwood House – zone 2 (Archway) Kew Gardens – zone 3 National Maritime Museum – zone 2 Osterley House – zone 4 RAF Museum Hendon – zone 4 William Morris Gallery – zone 3

Westfield London (Shepherd’s Bush/White City) – zone 2 Westfield Stratford – zone 2/3 Camden Market – zone 2

Sport and music venues

The O2 – zone 2/3 Twickenham Rugby Stadium – zone 5 Wembley Stadium – zone 4 Emirates Stadium – zone 2 ABBA Arena – zone 2/3 (See stations in two zones above)

Greenwich – zone 2 Richmond – zone 4 Wimbledon – zone 3

Related pages

• One Day & Weekly Travelcards including zone 1
• Weekly & monthly Travelcards excluding zone 1
• Oyster cards
• Contactless cards
• Bus tickets & passes

Last updated: 23 February 2024

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London Travelcard

The London Travelcard is a transport pass which entitles you to unlimited travel on London’s public transport. You can use a travelcard to travel on the London Underground, overground, public buses, DLR (docklands light rail), TFL rail and other trains, as long as you travel within London’s travel zones.

It is designed for people who are planning on using London’s public transport a lot when visiting London or for people who commute into London on a daily basis. Still, a London Travelcard may sometimes not be the cheapest option even if does entitle you to unlimited travel.

London Travelcard: What do I need to know before I buy one?

When buying a London Travelcard there are three things that you need to know:

1. The duration of the card:

You can buy a travelcard for one day, 7 days, one month or annual.

2. The travel zones of London that will be using:

When you buy a travelcard you need to choose what travel zones you want use. If you are going to travel between zones 1 and 2, you will need a travelcard that is valid for these two zones, but if you are going to travel between zones 1 and 5 every day, you will need a travelcard that covers zones 1 to 5. This does not apply to travelling by bus, as any travelcard will allow you to travel on buses to and from any zone within London’s travel zones. So for example, if you have a travelcar for zones 1 and 2, you can still use a bus to get to zone 3 or zone 5 with that travelcard at no extra cost.

Most of London’s tourist attractions are located in zone 1, and only a few of the most popular attractions can be found outside zone 1, such as Camden Town Market which is in zone 2. Make sure you know what zone your hotel is in before you buy a travelcard.

3. Off-peak or Anytime

If you are buying a 1 day travelcard  (which we don’t normally recommend as an oyster card has a daily cap that is cheaper than a one day travelcard – see below) you will have to choose if you want it to travel anytime of the day, or just during off-peak times (Monday – Friday from 9.30 am; all day Saturdays, Sundays and bank holidays).

This does not affect 1 day travelcards for zones 1 to 4, so if you are visiting London you probably don’t need to worry about this at all as you are unlikely to be travelling to zone 5, 6 or beyond.

Which Travelcard to buy if you are planning a trip to London

1 day travelcard.

The price of the 1 day London travelcard for zones 1, 1-2, 1-3 and 1-4 costs £15.20. We don’t normally recommend using the 1 day travelcard, as it is actually cheaper to use an oyster card, a visitor oyster card, or a contactless card as these payment methods have a daily cap. The daily cap applied to these zones are: £8.10 for travel within zones 1-2; £9.60 for zones 1-3 and £11.70 for zones 1-4. Once you have reached this daily cap you will be able to travel within the same travel zones for free. It is still necessary to tap in and tap out on the yellow reader with your oyster card, visitor oyster card or contactless card when using public transport.

Find out more about choosing between an oyster card, a travelcard or using contactless on London Transport here: Oyster card, Travelcard or Contactless .

7 day Travelcard

The 7 day travelcard for London travel zones 1-2 costs £40.70. When comparing oyster card/visitor oyster card/contactless fares to a 7 day travelcard, I would probably say that it is convenient to get a 7 day travelcard if you are going to be travelling around London for more than 6 days. If you are going to be in London less than 6 days then I would recommend using an oyster card (vistor oyster card or contactless if you are a UK resident).

Where to buy a London travelcard

Buying a London Travelcard at an underground station

It is possible to buy a London travelcard at any underground station in London, by either using a ticket machine at the ticket office or a manned desk in a the ticket office (if available). When you buy a 7 day, monthly or annual London travelcard at an underground station you will normally get an oyster card with the travelcard incorporated in it. So your oyster card will be pre-loaded with the travelcard you have chosen. This way you can also use this oyster card with pay as you go for any trips that are not included in the travelcard.

So, as an example, if you have a 7 day travelcard for zones 1 – 4 in your oyster card, you will be entitles to unlimited journeys within these  travel zones for 7 days, and you can use your oyster as you normally would, by touching in and touching out. But, if one day you need to go to zone 6, you will be able to use the same oyster with pay as you go balance. One example when this might happen, is if you arrive at Heathrow airport (zone 6) but you want to buy a 7 day travelcard for zones 1 – 4. It will be much cheaper to use they oyster card with pay as you go for the journey from Heathrow to central London and the journey from central London to Heathrow Airport on your last day and adding a 7 travelcard for zones 1 – 4, than using a 7 day travelcard for zones 1 – 6.

Buying a London Travelcard at a train station

It is possible to buy a London travelcard at any train station located inside London’s Travel Zones . When you buy a travelcard at a train station, you will normally get a paper travelcard and not an oyster card.

Stansted, Luton or Gatwick airports are all outside London’s Travel Zones so these stations won’t normally sell London travelcards.

Buy a London Travelcard online

One of the easiest ways to buy a London travelcard is by buying it online. The price is exactly the same as what it would cost you to buy it in London but you will pay a little extra for delivery.

Buy a London travelcard at Heathrow airport

London travelcard fares from 5th march 2023, travelcard for children.

Children under the age of 11 travel free within London travel zones. Children over 11 can also benefit from reduced fares; you can learn more about this in our article: Travelling in London with kids .

Find out more

For more information, visit London’s official transport website: Transport For London

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London underground, london travel zones, travelling in london with kids, contactless payment on london transport.

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London Travelcard prices for public transport pass in 2024

Transport pass for 1 day, 7 days, 1 month or much longer for buses, trains & underground.

The London Travelcard is the original pass for public transport in London. It is very simple to understand. You pay up front for a ticket which gives you unlimited rides for a stated number of calendar days. These days are consecutive, the pass ends 7 days after the first journey.

You can currently buy Travelcards for periods of 1 day, 7 days, 1 month or 1 year.

Unless you are going to make just one single journey on public transport in London then you should really be looking to either purchase an Oyster card , contactless payment card or a London Travelcard transport pass, and not pay for single tickets.

For example, paying cash for a single Underground journey in central London is more than double the price of the same journey with an Oyster Card.

Where can you use Travelcards   Fare zones   Peak & off-peak   Where to buy   Prices 2024   Benefits   Concessions   Child fares   Groups

Where you can use a Travelcard

The Travelcard pass covers:

- The London Underground network

- The London red local bus network

- The railway network in Greater London

- Docklands Light Railway, TFL Railway and Overground Railway

- 33% discount on many scheduled river services .

You cannot use your Travelcard on the Heathrow Express train as the group are not part of the Transport for London network.

You can use your Travelcard on the London Underground, TFL Rail Heathrow and London red bus services from Heathrow.

Other airports

Gatwick, Southend, Stansted and Luton airports are outside London beyond the scope of London public transport so the buses and trains from these airports are not covered by Travelcard (though you can use Oyster cards from Gatwick & on Heathrow Express. City Airport is serviced by the Docklands Light railway (DLR) and is covered.

The London public transport system is divided up into zones that radiate from the centre. Nearly all the hotels and the main sights are in Zone 1.

Heathrow Airport is in Zone 6 and the furthest zone out is Zone 9.

For the vast majority of visitors you will only travel in the two most central zones 1 and 2. The Underground map (link below) has the stations and their zones marked.

Some stations like Turnham Green are in two zones. You use whichever zone for these stations is most beneficial in working out your fare.

Although with a Travelcard you have unlimited journeys for a flat fee, the price you pay for your Travelcard is determined by the fare zones you want to travel in. The more fare zones you want covered, the more expensive the Travelcard.

London's red buses do not have zones. In fact with a Travelcard if you have a Travelcard for zones 1 and 2 you can travel in all the other zones as well using London's red buses.

London Underground Map & Rail Network Map with price zones (PDF)

Use our links below to see the London price zone maps for both the Underground and Rail network. You will be able to clearly see the zones marked across the map and then look where your station of interest sits within which zone. This is an easy way to work out the potential price of travel in London, by looking at the places you want to visit and seeing which London zone they sit within.

Most major attractions sit within zone 1-2 but there are other attractions further out from central London you may want to visit, as an example Hampton Court (zone 6) or Wimbledon (zone 3).

Peak & off peak travel for 1-day Travelcards

A 1 day Travelcard comes in a choice of peak and off peak variants, the price differential is substantial.

The peak travel period is if you travel between 4.30am and 9.29am Monday to Friday.

For a 1 day Travelcard only, if you want to travel during this time you need to purchase the 'Peak' period 1 day Travelcard product, otherwise the much cheaper off peak Travelcard will do.

Note: For 1 day, an Oyster card is often much cheaper than a 1 day Travelcard, never more expensive.

Travelcards for 7 days or longer are valid at all times.

Travelcards are valid for calendar days, not 24 hours from when you first use. However you can use your Travelcard the day after the last day if your journey departs before 4.30am.

Where you buy, photo ID & varying formats of Travelcards

If you buy Travelcards from a railway ticket office (not Underground) they come on card and will have a rail logo on (just like the image at the top of the page). If you buy a 7 Day Travelcard (child or adult) or a longer duration Travelcard you will need a rail photocard. This is made up on the spot and is free of charge, but you have to bring your own passport size photo. You cannot use the rail photocard as ID at non-rail ticket outlets.

If you buy Travelcards in advance online from TfL (see banner link below) the Travelcards also come as card tickets but you do not need photo ID both for children and adults.

If you buy Travelcards from anywhere else, including Underground and DLR stations, 1 day Travelcards come on a card, but all other Travelcards come loaded on an Oyster card. Children between 11 and 17 years require an Oyster ID Photocard to buy Travelcards at concession fare rates for 7 day durations or longer. Adults do not need photo ID.

Best place to buy Travelcards

The most convenient place to buy Travelcards for visitors are Underground stations, including Heathrow Airport. You can pay cash or credit card.

However there are no longer manned ticket offices at Underground and DLR stations. You have to buy from a ticket machine.

If you prefer a person to serve you there are also many Oyster Ticket Stops all over London in neighbourhood stores, newsagents etc that display a sign in their window or stations run by the railways (not the London Overground, Underground or TFL Rail Stations).

If you feel nervous purchasing a public transport pass from a ticket machine after entering a strange country, you can buy Travelcards online from TfL (see link below) and have them delivered to your home address internationally.

BUY VISITOR OYSTER CARD & TRAVELCARD FOR LONDON

Visiting London? Save time and money on London public transport

• Visitor Oyster Card • Travelcard for 1 day anytime / off-peak or 7 days anytime • Group day travelcards available

London Travelcard Prices from 3 March 2024 - March 2025

London travelcard vs oystercard - what is the difference.

Travelcards are a flat rate travel pass where you have unlimited rides in the selected zones for the time period purchased. You can use your travelcard across the London Network (with a few exceptions), so the travelcard covers your complete travel for a set time period and for a set fee paid up front.

Oyster / Contactless payment cards are charged on a per journey basis but there is a daily maximum you can be charged. This is called the price cap. Once you hit this 'price cap' through all the individual fares adding up, you are no longer charged for any subsequent journeys made that day.

A good example is the daily Oyster/Contactless payment cards price cap is less than the cost of a 1 day Travelcard, so travel over one day is cheaper. Over longer periods Travelcards can work out cheaper depending on your travel. For instance a 7 Day Travelcard is less expensive than an Oyster or Contactless payment card if you travel 3 or more times each day for 6 days or more in a 7 day calendar period.

This is a detailed area and can be confusing, so we created a dedicated page Comparing Travelcards and Oystercards , this page looks in detail at the difference between a travelcard, Oystercard and contactless payment cards to help you find the best fit for your visit.

Benefits of using Travelcards with Oyster card

Most visitors will just travel in the central zones 1 and 2. If you are staying more than 5 days in Central London then a 7 day Travelcard zone 1-2 is probably going to be cheaper than just an Oyster card. However a Travelcard on its own with fixed travel zones is not very flexible for the occasional trip outside these zones.

7 day Travelcards can be loaded onto your Oyster card and be used in combination with Oyster on a Pay As You Go basis for a single journey.

Note this flexibility is not available on Visitors Oyster cards or contactless payment cards and is not available for Travelcards purchased from railway stations and online.

A typical example is someone arriving and departing at Heathrow Airport in zone 6 and spending say 6 days in the centre of London (zones 1-2) before flying out.

By purchasing an Oyster card at Heathrow Airport Underground Station and buying a 7 day Travelcard zone 1-2 (electronically loaded onto the Oyster by the ticket machine) plus a minimal amount of Oyster cash both Oyster card and Travelcard will will work seamlessly together.

The 7 day Travelcard zone 1-2 will cover all travel in the central zones 1 and 2. Then on the Underground airport transfer journeys the Travelcard still covers the section of the journey in zones 1 and 2 but the Oyster will kick in automatically to cover the section of the journey in zones 3 to 6 at the lowest cost using the cash on the Oyster. You do not physically have to do anything it is all automatic.

Similarly, if you are staying in London for 9 days you might buy an Oyster card and use it on a PAYG basis for 2 days and have a 7 day Travelcard loaded and use that for the remaining 7 days.

Seniors concessions

There are no seniors fares for visitors. If you reside in London and are of pensionable age you can get a Freedom pass giving free travel. If you are 60+ and live in London the Seniors Oyster ID Card that makes free bus travel available. You can apply online or get a form from your local Post Office.

Anybody with an English National Concessionary bus pass can use that on London's red buses too and travel free of charge.

If you have a railways Seniors Railcard you can get your 1/3 discount on off-peak Oyster fares. You have to ask a member of staff to load the concession onto a standard Oyster card (note, not a Visitors Oysters card) at an Underground station after showing your Seniors Card.

If you have a railways Seniors Railcard you can also buy 1 day off-peak zone 1-6 Travelcards at with the discount applied.

Child concessions

This is a very complex subject and is covered in detail in the table below.

In crude terms a child is defined as under 16 years old, but in the last couple of years it has been possible to get child fares after jumping through a few hoops up to the age of 17.

Children under 11 can travel free on the London Underground, DLR and buses without a ticket. If a child is between 11 and 15 years old you require an Oyster 11-15 Photocard (which has a fee see below). This allows 11 to 15 year olds to travel at child fares on the Underground, DLR, Overground and some trains, free on the buses.

A child is defined as under 16 years old, but in the last couple of years it has been possible to get child fares after jumping through a few hoops up to the age of 17.

You can only buy child Travelcards on-demand universally for 1 day Travelcards. You cannot load child Travelcards onto an Oyster without an Oyster ID card. You can buy 7 day child Travelcards at the Visit Britain online shop, TFL's online shop , and at railway stations (who require a passport photo).

If you are a short term visitor (in London for up to 14 days) with kids between 11-15 you can take advantage of the Young Visitor Discount. This means you can get half price fares on an Oyster card on a temporary basis for your child without going through the hoops and expense of getting an Oyster ID card. You do need to read carefully the rules of this scheme though.

Children's Fare Concessions

Group tickets - 1-day group travelcard for groups of 10 or more.

This in scope is the same as a 1-day off-peak Travelcard for zones 1-6 and 1-9 providing unlimited travel on all services after 9.30am Monday to Friday and all day Saturday, Sunday and Bank Holidays.

The pricing is particularly attractive if you have kids in the group and those staying in one of the outer zones, however if you are staying in the centre of London zones 1 to 3 it will be cheaper to purchase individual Oyster cards.

If you are a group of 10 or more then do check out this product. Click through on the blog link right for more details.

Qualifying for the Railways 2 for 1 promotion by using Travelcards

The railways sponsor a hugely popular and long running promotion that allows those people using the train to visit leading attractions to get two people admitted for the price of one.

When visiting London you can you can get 2 for 1 admission to many of London's major sights including the Tower of London. The full list is very long and covers all of Great Britain. If you have train tickets to London and you are doing some sightseeing its a very worthwhile promotion to look into.

If, like many visitors, you are not using the national train services to get to London but are using a Travelcard to ride the London Underground to get around then there is a loophole in the scheme whereby if you buy your Travelcard from a railway station ticket office you qualify for the 2 for 1 promotion. There are a few further hoops to jump through, but the rewards can be significant, so its worth checking out.

Railways 2 for 1 promotion more details

Using your travelcard to gain access to trains

To gain access to the trains of all types, and again to exit a station you have to pass through automatic barriers (pictured right). There is always one wide ticket barrier for wheelchairs, pushchairs and people with large suitcases.

If you have a card Travelcard you insert the Travelcard into the ticket slot, the barrier will check that your Travelcard is valid for both date and zones travelled and then return it to you and open the barrier.

If you have a Travelcard loaded onto an Oyster card you swipe the Oyster card over a bright yellow pad, the barrier will check validity and then open the barrier. This process is repeated at the destination station.

On buses there are no ticket barriers. Inspectors may check the validity of your Travelcard at any time.

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What’s a London Travelcard?

A London Travelcard is a ticket type that allows unlimited travel for a certain amount of time on:

• The London Underground within zones 1-4 or 1-6
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• Most National Rail Services in London

It also offers discounts on Emirates flights and a third off River Boat fares on selected services.

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Which London Travelcard is right for me?

One day london travelcards.

There are two types of One Day London Travel cards:

Anytime Day Travelcards: you can use these anytime on the date shown on your ticket, until 04:30 the following day.

Off-Peak Day Travelcards: you can use these from 09:30 Monday – Friday and at any time on weekends and bank holidays on the date on your ticket, until 04:30 the following day.

London Weekly Travelcard

The London Weekly Travelcard offers 7 days of travel for the price of 5.

Monthly London Travelcard

Monthly Travelcards are typically more cost-effective than buying consecutive 7-day ones. You’ll save 11% on your journeys if you go for the monthly option.

Weekend London Travelcard

The Weekend Travelcard is valid for 2 consecutive weekend days (Saturday, Sunday, or a bank holiday). You can make a return journey from the start station to the Travelcard zones on each of the 2 days, and get unlimited travel in London Zones 1-6 on the eligible days.

Group One Day London Travelcard

Travelling as a group of 10 or more? Get a Group One Day London Travelcard. It’s valid for the day from 9:30 am (Monday to Friday), anytime on weekends or public holidays right up until 04:30 the next day.

London Travelcard season tickets

We have various London Travelcard Season Ticket options, including:

Your Travelcard season ticket can start on any day of the week, and you can travel right up until 04:30 on the day after your travelcard expires.

How do I get a London Travelcard?

You can get a travelcard when you buy an Anytime , Off-Peak , Super Off Peak , Advance or season (except Flexi Season ) train ticket to London on our website, SWR app or at your local station.

You can add London Travelcards to your SWR touch smartcard , making it easier for you to tap in and out across the capital.

Travelling outside the area covered by your Travelcard

If you have a Travelcard, then you are permitted to use any services within its Zones (subject to the time restrictions of the Travelcard). If you wish to travel beyond the Zones permitted by your Travelcard, then you can purchase a Boundary Zone ticket to or from the station outside of those Zones.

For example, if you have a 7-Day Zones 1 to 3 Travelcard and wanted to travel to Shepperton, you can buy a Boundary Zone 3 to Shepperton Day Return ticket from any staffed ticket office or from our self-service ticket machines. The train you are on does not need to call at a station within Zone 3 to be valid. Boundary Zone tickets can also be sold in the opposite direction (e.g. Shepperton to Boundary Zone 3).

How to get your tickets

Email, post, print at home, download or collect from the station

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Need to hop on and off London’s underground – for work, pleasure and anything and everything in between? Travelcards, which can be easily added to your Season ticket or used as an add-on to your usual rail ticket, allow you to do just that – and you can make regular savings by buying one. They’re as suited to regular commuters to London as they are for those heading to the capital for a day out.

Your trusty Travelcard is the perfect partner for weekend or weekday trips. Use yours in London in Zones 1-6, whether as part of your commute or during a fun-filled day out in the capital.

Add a Travelcard to your c2c journey and you’ll enjoy unlimited use of the London Underground, London Overground and almost all National Rail services in Greater London. That’s not all; you can also hop on and off scheduled London buses, the Tramlink system in South London and the DLR.

Ready to get your mitts on your Travelcard? Simply purchase a rail ticket to include a Travelcard online or at the station – the choice is all yours. Just set your destination station to ‘London Travelcard Zones 1-6’ when searching for tickets to ensure the Travelcard is included. You will only need to use one ticket which will cover the whole of your journey and if you load it onto a c2c Smartcard, you’ll be able to tap in and out as you would do with an Oyster card, even if you’re not on the c2c line. How handy is that?

How to travel

Add travelcards to your c2c smartcard, paper ticket, buy your travelcards as paper tickets, do i need smartcard for this ticket.

No, you can use this ticket without Smartcard. But you can load a Travelcard onto a Smartcard and tap in and out on London Travel Zones 1 – 6, just as you would with an Oyster card.

Why travel with a Smartcard?

You’ll get more benefits for travelling with a c2c Smartcard, including Automatic Delay Repay and loyalty points. You’ll also spare yourself the station’s ticket queues, since you’ve planned ahead and bought online.

Travelcard FAQs

• Adding a London Travelcard to a daily ticket Travelcards allow you to travel to London and enjoy unlimited travel throughout London on National Rail, London Underground, Docklands Light Railway, Tramlink and London Bus services within London Zones 1-6. The Travelcard allows you to reach your final c2c destination within London, and then travel unlimited throughout London - using any of those services listed above. To add a Travelcard to a daily ticket set your destination station to ‘London Zones 1-6’. The c2c journey planner will return an Anytime Day Return. To add the Travelcard, click ‘other fares’ which will then give you the option to select the Travelcard.
• Adding a London Travelcard to a season ticket Travelcards allow you to travel to London and enjoy unlimited travel throughout London on National Rail, London Underground, Docklands Light Railway, Tramlink and London Bus services within London Zones 1-6. The Travelcard allows you to reach your final destination within London, and then travel unlimited throughout London - using any of those services listed above. To add a Travelcard to a season ticket set your destination station to the London zone you require, eg ‘London Zones 2-6’ or ‘London Zones 1-6’. The planner will return the season ticket options with the Travelcard included in the price. If you're not sure which zone you need to travel to, use the London Rail and Tube services map to identify the Zone that you wish to travel within and enter it into the journey planner. E.g. London Zones 1 - 6, London Zones 2 - 3 etc.

Popular London Underground zone codes for c2c customers

• For travel to Zone 1 search for Zone U1234.  For example, if you’re going to Westminster or Southwark.
• For travel to Zone 2 search for Zone U2356.  For example if you’re going to Canary Wharf or Canada Water.
• For travel to Zone 3 search for Zone U3456.  For example if you’re going to London City Airport or Custom House for ExCel.
• For travel to Zone 4 search for Zone U456.  For example if you’re going to Gospel Oak or Wanstead Park via Barking and not going through Zone 3, eg West Ham or Stratford.

How to buy a ticket to a London Underground station when travelling from outside London zones 1 - 6

• First, check which zone the station you require is in. You can check the zones for TfL stations here .
• In the buy tickets panel, type in “ Zone ” and a drop down list will appear for you to select the option which covers all the zones you need to travel through
• Select an option with a U before the zone you require. For example " Zone U1256 " is a single/return through train and tube ticket to zones 1-6

Would you prefer a Travelcard?

Travelling solely inside the london zone area use contactless/oyster instead.

• What kind of perks am I entitled to with a London Day Travelcard? London Day TravelCards can’t be booked independently, but will be offered as an add-on to any journey that terminates at a London station. Travelcards are valid for travel on: the Tube, Docklands Light Railway and buses trams, where your Travelcard includes Zone 3, 4, 5 or 6 National Rail, excluding Heathrow Connect between Hayes & Harlington and Heathrow, and on Heathrow Express Scheduled Riverboat services, at 1/3 off the normal fare. Just show your Travelcard (or Oyster card with a Travelcard on it) at the time of travel Please note: your Travelcard must be valid for all the zones through which you are travelling. Trains to Heathrow Airport go to terminals 1, 2, 3, 4 and 5. The approximate journey times are 15 minutes to terminals 1, 2 and 3 and 25 minutes to terminal 4.
• At what times can I use the Peak and Off-Peak Day Travelcards? The Day Travelcard (peak) can be used all day, Monday to Friday, on the day of validity and for any journey that starts before 04.30 the following day. On public holidays, it is cheaper to buy an Off–Peak Day Travelcard. Our Day Travelcard (off-peak) can be used from 09.30, Monday to Friday, all day Saturday, Sunday and public holidays, on the day of validity and for any journey that starts before 04.30 the following day. Off-Peak Day Travelcards are valid during the evening (16:00 - 19:00) peak. For further information, please visit www.tfl.gov.uk

Find things to do along the c2c train line

Whatever your destination, we can recommend some fantastic attractions and deals for you to make the most of

Note that there can be multiple Railcards selected, and a number value (Number of Passengers with Selected Railcard) must be sent for each one selected. The way it works is all selected "Railcards" are sent as a comma-delimited list in the rc field, and all the "Number of Passengers with Selected Railcard" are sent as a comma-delimited list in the rcc field which matches the order of the Railcards in the rc field. So if there are two "16-25 Railcards" and one "HM Forces Railcard" it will be sent as:

Also note that WebTIS doesn't handle Railcards very well, so this might not work well anyway. :(

London Travelcard Prices 2024 - One Day, Weekly & Monthly Pass

Travelcard prices for children, what is a travelcard.

London travelcards come in two different types. The cheapest version just covers buses and trams, whilst the more expensive one includes the trains as well.

Travelcards bought at a National Rail station (the big overground hubs like Waterloo , shown with a symbol on the London underground map ) are printed on orange paper. Travelcards bought at an underground station are printed on pink paper. Other than the colour of the paper, there is no difference between the two. It’s also possible to load a travel card onto a blue Oyster card . (Note: It is not possible to load them onto a Visitor Oyster card or contactless card .)

If you buy a pass that includes the trains then you will also have to choose which fare zones you want it to cover. If you buy a one day travelcard then you’ll only have three options: zones 1-4, zones 1-6 or zones 1-9. If you buy a weekly, monthly or annual travelcard then you can choose a combination of different zones between 1-9.

Important note: there are no trams in central London, only in zone 3 and beyond (in places like Beckenham, Croydon and Wimbledon). So if you buy a zone 1-2 travelcard then you won’t find any trams to travel on.

What are the benefits of a travelcard?

• London travelcards can cover one day, one week, one month or one year, depending on how long you’re staying in London
• They’re very easy for tourists to understand: you simply choose the zones and dates you want it to cover, pay once, and then you can make an unlimited number of journeys between those dates
• Depending on which one you buy, travelcards can be valid on the tram, bus , Docklands Light Railway, London Underground , London Overground, TFL Rail and National Rail
• You can also benefit from a discounted fare on the cable car and Thames Clipper riverboat

What are the downsides of a travelcard?

• Depending on how many journeys you make, you might find that Oyster prices and contactless prices are cheaper than travelcard prices
• You’re only allowed to travel in the fare zones you chose at the start. If you later decide to travel outside the zones then you’ll have to buy a completely separate ticket
• Two people are not allowed to share one travelcard
• If you lose a paper travelcard then there’s no way of replacing it, or getting your money back

How long does a travelcard last?

A travelcard lasts for one day , one week , one month or one year , and you choose which one you want when you buy it. You can then travel as many times as you like during that period.

You always have to choose a start date when you buy it. The date can be in the future, but it’s not possible to buy a dateless card.

One Day Travelcards (Anytime) – Valid for the date shown on the ticket, plus any journeys that start before 4.30 AM the next morning

One Day Travelcards (Off-peak) – Valid for the date shown on the ticket, but only after 9.30 AM on Mon-Fri, plus any journeys that start before 4.30 AM the next morning

Weekly, Monthly & Annual Travelcards – Valid between the start date and end date shown on the ticket. And they all have to be consecutive days (it’s not possible to buy a 7 day travel card that skips a day in the middle, for example).

Can two people share one travelcard?

No . Two people are not allowed to share one travelcard between them. And you can’t share an Oyster card that has a travelcard loaded on to it either.

What time is Anytime and Off-Peak?

Anytime – Anytime is valid for the dates shown on the ticket, and up to 4.30 AM the following morning. (So if your travelcard expires on the 10th, you can actually travel up to 4.30 AM on the 11th.)

Off-Peak – Off-Peak travelcard holders are restricted to travelling after 9:30 AM on Mon-Fri, but can travel at anytime during the weekend or on a public holiday.

Is it cheaper to use a travelcard?

Travelcards are not always the cheapest way to travel in London.

1-Day Travelcards – The Oyster daily cap and contactless daily cap are always cheaper than a one day travelcard (by around two-thirds).

Weekly Travelcards – Weekly travelcards are always cheaper than buying seven one day travel cards, but whether it works out cheaper than the Oyster card weekly cap depends on how many journeys you make. If you make two or more journeys on each of the seven days, or three or more journeys on six of the days, then a weekly travelcard is likely cheaper. But the only way of knowing for sure is to add up all your journeys on a calculator (sorry!).

Monthly Travelcards – Monthly travelcards are always cheaper than buying four weekly travel cards.

Annual Travelcards – Annnual passes give you 12 months travel for the price of ten and a half.

Where can you use a travelcard?

Buses – All travelcards are valid on TFL buses , regardless of which zones they cover. That’s because buses don’t have zones. So if you buy a zone 1-4 travelcard then you can ride the trams and trains in zones 1-4, but you can ride the buses all the way out to zone 6.

Trams – Bus & Tram travelcards don’t have zones, so they’re valid on all the buses, and all the trams. But Train, Bus & Tram travelcards are only valid on the trams if they cover zones 3 and beyond, because there aren’t any trams in zones 1-2.

London Underground, London Overground, Docklands Light Railway, TFL Rail, National Rail – A Train, Bus & Tram travelcard is valid on all of these trains as long as it covers the right zones (you choose which zones you want when you buy it). The exceptions are the Heathrow Express, Gatwick Express and Stansted Express, Heathrow Connect to Hayes and Harlington, and high-speed Southeastern services between St. Pancras and Stratford .

IFS Cloud Cable Car – You can’t actually use your travelcard to ride the cable car , but if you present it at the ticket window you’ll get a 25% discount off the price.

Thames Clipper – You can’t use it on the Thames Clipper river boat service either, but if you show it at the window you’ll get a 33% discount off some of the fares.

Where can you buy a travelcard?

Day Travelcards (for Bus & Tram only) – It’s not possible to buy a day travelcard for the Bus & Tram from the TFL website. It’s not possible to buy one in advance either. You can only purchase them on the day of travel from a train station or London Visitor Centre.

There are seven Visitor Centres in London: Euston station , King’s Cross , Liverpool Street , Paddington , Piccadilly Circus , Victoria and Heathrow airport.

These will always come as a paper ticket.

You can also buy a Bus & Tram pass from an Oyster Ticket Stop, but these ones will be put onto an Oyster card instead. Oyster Ticket Stops are just normal shops (usually newsagents) which have a blue Oyster sticker in their window. (Note: The usual £7 deposit will apply if you need to buy a new Oyster card, which will come on top of the day travelcard price. It is not possible to load a travelcard onto a London Visitor Oyster Card .)

Day travelcards do not require a photocard.

Day Travelcards (for Bus, Tram & Train) – Paper tickets for the Bus, Tram & Train are available to buy online from the TFL website and from train stations and Visitor Centres.

Group Day Travelcards – Group Day Travelcards can be ordered from the TFL website . They only last for one day and you need to be travelling in a group of at least ten people during off-peak hours (after 9:30 AM Mon-Fri, or any time during the weekend).

Weekly Travelcards – Weekly Travelcards can be bought online at TFL’s Visitor Shop , You can also have it loaded onto your Oyster card at a train station, Oyster Ticket Stop, London Visitor Centre or TFL’s Oyster website (but you need to set up an Oyster account with them first).

Weekly travelcards do not require a photocard.

Monthly Travelcards – Monthly Travelcards can be loaded onto your Oyster card at train stations, Oyster Ticket Stops, London Visitor Centres and TFL’s Oyster website .

Annual Travelcards – Annual travelcards can be loaded onto your London Oyster card at TFL’s Oyster website , and most London Overground, TFL Rail and National Rail stations… but not London Underground stations, London Visitor Centres or Oyster Ticket Stops.

What zone travelcard do you need?

Most tourists will choose a travelcard that covers zones 1-2, which covers the touristy heart of London.

Zone 3 is for places like Highgate Cemetery , Kew Gardens , Wimbledon and London City Airport . Zone 4 will take you to Wembley Stadium . And if you’re flying into Heathrow then you might need a zone 1-6 travelcard.

How do you use a travelcard on a bus?

Using a travelcard on a London bus is easy. If you have a paper travelcard then just show it to the driver as you board the bus.

If you have an Oyster travelcard then touch it against the big round yellow reader by the front door (some buses also have Oyster readers by the middle door and back door). There’s no need to touch the travel card down again when you leave the bus – you only have to do that for trains.

How do you use a travelcard on a train?

Using a travelcard on the London Underground is easy. If you have a paper travelcard then just insert it face-up into the slot at the front of the barrier. The same ticket will then pop out of the slot on the top. The gate won’t open until you remove your travelcard from that slot.

If you have an Oyster travelcard then all you have to do is wave it in front of the big round yellow reader and the gate will open automatically.

Which is better: Travelcards or Oyster?

TFL travelcards are very easy to understand – you simply choose the starting date, the duration, which zones you need (probably just zones 1-2 if you’re here on holiday), and then you pay just once and can make an unlimited number of journeys until the travel card expires.

The downside is that travelcards are only available for fixed periods – either one day, one week, one month or one year – so if you’re visiting for a different number of days then you’re better off buying an Oyster card .

Train travelcards are also limited to the zones you buy it for, so if you decide to make an extra journey out of the blue then you’ll have to buy a completely different ticket, whereas the pay-as-you-go credit on an Oyster card can be used in all zones.

Your comments and questions

CC Hi, I want to know if I buy the one day card does it means it lasts 24 hrs? Or just till midnight of the day I purchase it?

Staff Hi CC. It actually lasts until 4.30 AM the next morning. So if it's dated for the 1st, it will last until 4.30 AM on the 2nd.

Leanne Hi there, I am travelling to London with 3 children aged 8, 10 & 11 and will need a travelcard that will cover us all. We have a few things planned but im not sure of which travelcards I need and for which zones? We will need to travel from Paddington station to Waterloo, and will be visiting the Cambridge Theatre and also Knightsbridge. Is it possible to buy a 3 day ticket that will cover those areas? Ive not been to London before so would like to plan as much as I can in advance. Thank you

Staff Hi Leanne. It's not possible to buy a 3-day card unfortunately - they only come as 1-day or weekly cards (or monthly). And the only travelcard that covers multiple people is the Group Day Travelcard, but that's for a minimum of ten people. The good news is that your 8 and 10 year old will travel for free on the tube, so I recommend that you use your contactless bank card, and you get an Oyster card for your 11 year old. That's because contactless and oyster fares are cheaper. The most you will pay each day is the 'daily cap' for zone 1, which is less than the cost of a 1-day travelcard (all of the places you mentioned are inside zone 1). Unfortunately you will also have to pay a £5 deposit the first time you buy a new Oyster card - but you can claim that back at the self-service ticket machine at the end if you want.

Leanne Thank you very much, that's very helpful

Csaba Is it possible to buy a new Oystercard and put a 7-day Travelcard on it at the newsagents generally? Do I have to have a minimum pay-as-you-go balance on it if using a Travelcard loaded onto my Oystercard?

Staff Hi Csaba. You can just have the travelcard on your Oyster card if you want. There's no need to have any pay-as-you-go credit on there as well, but you can do that as well if you want. You should be able to do it at any newsagent displaying the Oyster symbol in their window - not all of them have it.

Lafont If I have a travelcard on my Oyster card for zones 1 and 2, and I want to visit Hampton Court, how to proceed.

Staff Hi Lafont. Hampton Court is in zone 6, so you just need to add some pay-as-you-credit onto the same card to cover zones 2-6. You can see that fare here - londondrum.com/​transport/​adult-train-fares.php . When you tap it down on the gate the computer will recognise that the travelcard already covers zones 1&2 and just use the credit for the extra bit.

Pamela Laurie I need only a paper 1 day Oyster ticket, is it over 24 hours from when you buy it? ie. 12am one day till 12 am next day ?

Staff Hi Pamela. You buy it for a particular date. It will then last for the whole of that date, and up to 4.30 AM the next morning.

Ch What time can you use your travelcard from on a Sunday?

Staff Hi Ch. If it's a 1-day card then it's all day Sunday, right up to 4.30 AM Monday morning. If it was a midweek one then it would be different, because there are two cards available midweek: anytime and off-peak. The off-peak ones wouldn't start until 9.30 AM

Awi If I buy a zone 1-6 travelcard from Vauxhall rail station will that entitle me to the National Rail 2for1 promotion? Thanks

Staff Hi Awi. You have to be careful because you need a National Rail paper ticket for the 2for1 offer. Don't buy it from the underground station because then it will be a TFL ticket. That won't be valid. Buy it upstairs from the National Rail windows, and make sure they give you a paper ticket rather than putting it on an Oyster card, because that won't be valid either.

Diane Can you use a one day travelcard on any of the London tour buses?

Staff Hi Diane. No, sightseeing tour buses have got nothing to do with normal buses, so you'll have to buy a ticket from them.

Cathy If I buy a weekly travelcard from a train station, will the start day to use to card be the day I buy it? Or can I tell the counter staff which day I would like to start to use the travelcard? For example, I want to buy the paper travelcard at London Paddington Station on July 1st and I would like to start using it on July 6th. Is it possible? Thanks for your help.

Staff Hi Cathy. Sure. You can tell them which date you want it to start. It doesn't have to be the same day that you buy it. Paper tickets will then have the start date printed on the front.

Elle Hi, With weekly travelcards, do I need to get an identity card to go with it? Thanks

Staff Hi Elle. Not if you're an adult, no. You only need to provide a passport photo for monthly and annual travelcards, but not weekly ones. And a child would need a photocard

Ray Does the one day travelcard include journeys to Heathrow? Thank you Ray.

Staff Hi Ray. You have to choose the zones when you buy it. If you choose the one that covers zones 1-6 (or 1-9) then it will.

Cozzieanne Hi there, I'm soon going to be travelling four times a week from Ealing Broadway to Leytonstone station on the Central Line. If I buy an annual Zones 2-9 travelcard, does that mean that I can get on and off at literally any stop, on any line, at any time, as long as I'm within those zones? And does it include buses? Thank you! Cozzieanne

Staff Hi Cozzieanna. A zone 2-9 travelcard won't get you from Ealing Broadway to Leytonstone on the central line, because that journey goes straight through zone 1, so you'll need a zone 1-9 instead (actually, you only really need a 1-3 for that journey, unless you've got some other plans out to zone 9 that you haven't mentioned). A zone 1-9 travelcard will let you get on and off at any stop within zones 1-9, at any time, as many times as you like. And you can use it on the bus as well.

Graham Can a London Travelcard be used on both the Underground and on Network Rail trains? I'm planning to travel from Baker Street to Monument on the Circle Line, then from London Bridge to Waterloo East on normal Network Rail. Is the Travelcard valid for both journeys?

Staff Hi Graham, It works on both the underground and National Rail trains within the zones you buy it for. So assuming your travelcard covers zone 1 (which all those journeys are in), then it will be fine

Harmeen I just want to know that if I opt for a weekly travelcard for Zone 1 and 2, how many trips am I allowed in a week?

Staff Hi Harmeen. As many as you like. There's no limit with travelcards

Lailiyah McInnes Can I buy weekly travel card to London zone 1-2 and5? And how much the cost weekly and monthly .I just from Bromley south to Victoria to Fulham

Staff Hi Lailiyah. You can buy one for zones 1to5 (price is in the table above), but not zones 1,2+5. They don't sell one for just zone 5 on its own either. If you really wanted to then you could put a zone 1-2 travelcard on your oyster card, and then top it up with some pay-as-you-go credit as well. Then every time you tap it down on the gate the computer will recognise that you have a travelcard for zones 1-2, and only take the fare for zones 2-5 from the pay-as-you-go credit

Heather Is there a student discount on Oyster cards.

Staff Hi Heather. There is a discount, but you have to apply for an 18+ Student Oyster photocard to get them. All the details are here - tfl.gov.uk/​fares/​free-and-discounted-travel/18-plus-student-oyster-photocard

amar Can I use oyster card on traine

Staff Hi Amar. You can, yes. But it depends what train you’re talking about. It has to be within the Oyster zones. If you're talking about putting a travelcard onto an oyster card, then the train will have to be in the zones you buy the travelcard for

Jerry I need Travelcard from zone 2 to 8. How can I get one?

Staff Hi Jerry. It sounds a bit bonkers, but they don't sell travelcards for zones 2-8. You can get one for zones 1-8, or zones 2-9 instead which is a bit cheaper

Jerry I don`t understand why I have to pay more for something what we don`t need.

Staff Maybe you could try using a contactless card instead, because there's a cap for zones 2-8 on that. But if you want the weekly cap then it only works from Mon-Sun (not Tue-Mon, or any other combination of 7 days) - londondrum.com/​transport/​contactless-cards.php

Bob Scrivener Where do you find a zone map?

Staff Hi Bob. Here's one - content.tfl.gov.uk/standard-tube-map.pdf

Nigel Hi, I plan to come to London in the Autumn. It looks as if I’ll need to travel in zones 1-3 between my University and accommodation. Can you advise what the weekly cost is for a travel card

Staff Hi Nigel. All the prices are shown in the table above - at the moment it's £43:50 for zones 1-3

Karen Wilce Are there any concessions

Staff Hi Karen. If you mean senior concessions then you can get something called a Freedom Pass or a 60+ Oyster card, but you need to live in a London borough to qualify. If you live outside London then you can get a Senior Railcard. There are more details here - londondrum.com/​transport/​senior-train-fares.php

Theresa I have a monthly travel card zones 1 to 4, but i need to get to zone 6, what do i need to do.

Staff Hi Theresa. Assuming that it’s on an Oyster card, all you have to do is go up to a ticket machine and load some pay-as-you-go credit on to it. When you tap down on the gate the computer will recognise that the travelcard already covers zones 1-4 and just charge for the extra zones. You can see the price on our Oyster card page - londondrum.com/​transport/​oyster-cards.php

Anita Ganea My daughter is a 2nd year university student living in London, travelling to university and also to her place of work. She has now got a student oyster card and also has a 1/3 16-25 railcard. Does she have to link these to get the full benefits of the oyster card. I said that her travel will be a 1/3 cheaper if she gets the oyster card but obviously if she uses it as a pay as you go it is still the same, why is this?

Staff Hi Anita. She needs to get the railcard loaded onto her Oyster card, then she can use the Oyster card like normal and it will charge the discounted fares. She needs to take both cards to a London Underground station and then ask a member of TFL staff to load it on. You can usually find one standing behind the ticket barriers. Bear in mind that she doesn't get a discount on all Oyster fares, just off-peak ones, and zone 1-9 travelcards (if bought together with another National Rail ticket) - full details here 16-25railcard.co.uk/​using-your-railcard/​travel-times-tickets/

Steven Gatting Hi folks,,, returning uk resident arriving with Family from US for 7 day visit covering all areas on tube. Kis are 10. 14 and 16 . Shall I just get 7 day travel cards.Will be making plenty travel around the tube on all days. Thanks Steve Gatting

Staff Hi Steven, if you’re staying seven days then a weekly travelcard usually works out cheapest if you’re making at least two or more journeys on each of the seven days, or three or more journeys on six days, but it depends what zones you buy (most people only need zones 1-2). Your 10 year old will travel for free, but bear in mind your 14 and 16 year olds will have to pay for adult passes because it won’t be worth paying out extra for photocards to qualify for the kid prices.

Michael Just to make sure it will work: I want to buy a weekly 1-2 zones paper travel card at Paddington railway station. All I need is to bring £37 and paper-sized photo, right? No need to buy Oyster card or something like that?

Staff Hi Michael. You can only get a paper travelcard if it’s a 1-day travelcard. Weekly ones will go onto an Oyster card. If you don’t have an Oyster card you’ll have to go to an Oyster Ticket stop shop (newsagent) in the National Rail part of Paddington (and pay £5 deposit for a new card on top). The underground bit only has self-service machines. If you do have an Oyster card then you can load it on at a self-service machine. You don’t need a photo

Selina Rahman Hi, If I want to travel from Woodford to Bermondsey by train and then bus from Bermondsey to Bricklayer's Arms by bus, can I buy a weekly oyster card from zone 2-4? If not, please suggest how I can make this journey with the most economical option? Thanks,

Staff Hi Selina. Thats okay for Woodfood to Bermondsey (assuming you don't choose a route that passes through zone 1). theres more than one bricklayers arm’s in london so we don't know which one you're talking about, but it should be alright because buses don’t have zones. all travelcards are valid for bus travel in zones 1-6, regardless of which zones they cover

Polya Genova Why when I transfer via Wimbledon from Streatham to Fulham Broadway I am overcharged for zone 1.??? I notice 3 times on my way going but mot charge in my way back. The pink rider was no clear sound.

Staff Hi Polya. You're only supposed to tap down on the pink readers if your journey would normally take you across London through zone 1, and you're changing trains to bypass zone 1. But the journey you're doing wouldn't normally go through zone 1 anyway, so I would stop tapping down on the pink reader and see if that helps - just tap down at the beginning and end of your journey instead

Lorraine I am travelling to london from Leigh on sea going to Wood Green station / Shepherd’s Bush there are 6 of us all together 2 adults 4 chikdren under 11 years we have bought the Kidszania tickets What would be the cheapest fares to travel on the tube

Staff Hi Lorraine. your national rail tickets would be separate, but if all four kids are under 11 then they travel for free on the tube, and the adults should just use their contactless cards to pay (oyster is the same price as contactless, but you have to pay a £7 deposit to get hold of the cards)

MR JOHN ROZNOWSKI Is there any discount for ENCTS pass holders who live outside London?

Staff Hi John. Not if you want to buy a travelcard, but you should be able to use it to travel for free on TFL buses (with time restrictions) if it has the red rose symbol on it. Theres some more information here - londondrum.com/​transport/​senior-bus-fares.php

Engrid Hello, Do children travel for free with a parent who purchases a travel card?

Staff Hi Engrid. Only if they’re under 11. They travel for free with a fare paying adult - londondrum.com/​transport/​child-train-fares.php

Pauline My partner and myself are travelling on Avanti train from Lancaster for the day.Can we buy I day travel cards when we buy our train tickets in Lancaster. Thankyou

Staff Hi Pauline, we cant really help with what’s for sale in Lancaster, but we doubt that the train company will sell them. But you’d be better off just using your contactless card to pay anyway (assuming that you both have one), because the ‘daily cap’ for contactless is half the price of a 1-day travelcard - londondrum.com/​transport/​adult-train-fares.php

John Evans RAIL CARDS OR SENIOR BUS PASS Are they valid with one day travel card off peak

Staff Hi John. A senior bus pass with the red rose symbol lets you travel for free on TFL buses, with time restrictions, but you cant use them to buy a travelcard, A Senior Railcard will give you a discount on “Anytime Day Travelcard Zones 1-9 when bought as part of ticket to London from outside London (subject to minimum fare)” - londondrum.com/​transport/​senior-train-fares.php

James allison Is their a pensioner discount

Staff Hi James. Not for travelcards, no, unless you have a senior railcard as mentioned in the comment above. But you can travel for free on the buses and trains if you have a freedom pass or 60+ oyster card (with time restrictions). More info here - londondrum.com/​transport/​senior-train-fares.php

Paul Hoelzley Good afternoon, We are Canadian seniors (82 & 76) and will be in London for 5 days early January 2023. Could you kindly help us and advise us on what is the cheapest card to use during our stay. There seem to be so many different choices and fares and this is very confusing to us. Thank you for taking the time to answer our question (s). Regards, Paul H.

Staff Hi Paul. A Visitor Oyster card will be the cheapest, and you can buy it online before you go and have it delivered to you in Canada - more information about that here: londondrum.com/​transport/​visitor-oyster-cards.php . You’ll have to choose how much credit you want on it, so just work out which fare zones you’ll be travelling through each day (most tourists just need zone 1), and look at the ‘daily cap’ for that zone in the fares chart. That will be the maximum you will be charged that day. Add up all the daily caps for the five days, and thats how much credit you’ll need. Alternatively… you can just buy a weekly travelcard when you arrive in London. You’ll lose a little bit of money, but its a lot less complicated because you can make unlimited journeys for the whole week

Mark Hi, we will be travelling to London from Melbourne in September. Four adults For five full days. We are flying into Gatewick. What is the best way to get to accommodation near Hyde park and where should we get recommended pass?

Staff Hi Mark. I would buy tickets for the Gatwick Express into Victoria on their website, and then get Visitor Oyster Cards for everyone and have them delivered to Australia before I travel. Oyster cards have the cheapest fares, and you can use them on the tube to wherever it is you're staying around Hyde Park. Info about where to get Visitor Oyster cards here - londondrum.com/​transport/​visitor-oyster-cards.php

Ali Need a travel pass ticket in London for tube and buss

Staff Hi Ali. We've explained how you can get one on this page

Jordi Hello, I'm going to travel to London for a 7 days in July. 2 adults and 1 of 14 years. We move for zones 1-3. Wich is the best option? and Where can I buy better?

Staff Hi Jordi. It depends how many journeys you're making. If you make two or more journeys on each of the seven days, or three or more journeys on six of the days, then a weekly travelcard should be cheaper. Otherwise the adults should use their contactless cards if they're from the UK, or Oyster cards if they're from abroad (which have the same fares as contactless, but you have to pay a £5 deposit on top). The 14-year old should get an Oyster card and have the 'Young Visitor Discount' applied to it, as explained on this page - londondrum.com/​transport/​child-train-fares.php

Keith Morgan How much will a 1-6 zone one day travelcard for 2 adults and two children with a family railcard

Staff Hi Keith. You dont get a discount if you buy the travelcard on its own. You need to be coming into London on another train. According to their terms: “With your Railcard you can get 1/3 off Anytime Day Travelcard when bought as part of your journey to London from outside London Zones 1-9 (subject to a minimum fare which is currently £20,30)” - familyandfriends-railcard.co.uk/​help/​faqs/

DEREK SPELLER Good afternoon.......we are travelling into Heathrow from Canada in August and staying in Paddington. The London Transport Travelcard will allow us onto the Tube at Heathrow but NOT the Heathrow to Paddington Airport Train.....am I correct?

Staff Hi Derek. That's correct, yes. You can use an Oyster card on the Heathrow Express, but not a travelcard. If you want to use a travelcard on the tube from heathrow to paddington then you'll have to get one covering zones 1-6

Muraleedharan vp Which are the places covered by differrnt zones?

Staff Zone 1-2 covers the central touristy part of London, which is good enough for 99% of tourists. but maybe you'll want zone 3 for kew, and zone 6 for heathrow

Reda Weekly travel card zone 2 to zone 4. Travelling from zone 4 to zone 4 without crossing zone 1 , why I got charged £2.50 at the end of the day.

Staff Hi Reda. Is the travelcard loaded onto an Oyster card? £2.50 is a zone 1 fare, so the only thing I can think of is that you didn’t tap out at the end.

B Walker Can I purchase a weekly anytime travel card as ticket? Not plastic oyster

Staff Hi B Walker. Only if you buy it online from the TFL shop - visitorshop.tfl.gov.uk/​en/​london-travelcard . If you buy it anywhere in London then it will be loaded onto an Oyster card.

Veronica We are a family of five traveling into London Kings Cross on 7th Oct children are aged 15,15,14, We are staying for 9 nights at Twickenham and will be travelling in/out London and going to attractions. What would be the best travel option?

Staff Hi Veronica. We always recommend that adults use their contactless bank card. (oyster cards have the same fares, but you have to pay a deposit on top.) and then get oyster cards for the kids. but get the ‘young visitor discount’ applied to the oyster cards when you arrive in London, which is explained here - londondrum.com/​transport/​child-train-fares.php

Veronica Which zone is Twickenham in. Should I order the child oyster card before we arrive and do they require a photo

Staff Its in zone 5. you can order it in advance if you want to, they don’t require a photo. its all explained on our oyster card page - londondrum.com/​transport/​oyster-cards.php

PEDRO Do foreign children between 11 and 15 have a discount with the one-day travelcard? I think no...

Staff Hi Pedro. They can do, but only if you get them an Oyster Zip photocard as well. But you have to pay extra for those, which will wipe out any savings you make. So we dont recommend getting one if its just a one-off visit - londondrum.com/​transport/​child-train-fares.php

Alex If I buy a travelcard at Heathrow and need to travel to Hammersmith but only on the next day do I need to make another journey (in zones 1 and 2), can I buy a 7 day travelcard at the same time as buying some PAYG but somehow POST-DATE the 7 day travelcard so it is only active from the NEXT day?

Staff Hi Alex. You can do. You always have to choose the start date when you buy a travelcard so i would do that first, then load some credit on after. Another way is to just buy a zone 1-2 travelcard at heathrow, from the first day, and load some extra credit on to cover the zones 2-6 bit

Alex Hello again. Travelling from Buckhurst Hill to Hampton Wick with a Zone 1-2 Travelcard and PAYG. I see this necessitates a National Rail Journey from Zone 1 to 6. Will it cost a Zone 1 to 6 fare from PAYG despite the travelcard because it's National Rail and not Overground/Underground? Does one have to check in/check out at a station on the border of zones 2-3? Pink card reader or something?

Staff As long as the National Rail station is within the oyster zones (which your stations are) then you can pay with a travelcard and oyster - theres no difference. you dont have to tap down on a pink reader. you only use those if you're making a detour to avoid zone 1, on a journey that would normally go through zone 1. you just have to tap down at the beginning and end of your journey like normal

ELHAMUDDIN ZAHID Hello I am student and have class two days a week and live in zone 5 which option will be cheap for me. Many thanks

Staff Hi Elhamuddin. The easiest and cheapest thing to do is to just use your contactless card - londondrum.com/​transport/​contactless-cards.php

Alex Hi. I just phoned up TFL and got my PAYG balance refunded (£8:70) from my oyster into bank account. I'm no longer on London and couldn't do it at machine in London as I still had a valid travelcard on my last day! Now the oyster card has been removed from the app! Is the card still valid should I return to London in the future? Or did refunding the PAYG balance cancel the card? I paid £7 for the card. Perhaps they canceled the card and refunded the £7 as well as the £8:70?

Staff Hi Alex. The card gets voided at the same time as the refund, so you wont be able to use it anymore. The deposit would have been converted into PAYG credit after 12 months, but if you've had it less than that then you don't get it back.

JOHN Hello everyone, I have a crucial to me question that puzzles me when I try to buy online a London weekly anytime travelcard for my planned trip to London next month, i.e. November 2022, landing at Heathrow airport. As far as I understand, a 7-Days (weekly) London anytime travelcard does not have a peak, or, off-peak option (As 1-day travelcards do). They are valid throughout the whole day (And, if I am not mistaken valid until 04:30 am of the next day after their expiry). I am trying to buy the card from abroad (within EU) prior my arrival & ordering it to be mailed to my home country. I choose adult, Ticket Duration = 7 Day (only option), Ticket Zone = Zones 1-6, Then it requires me to choose (Under: “Admission)” an option, BUT, the only option available in the: “Peak”. Then date of first use which I provide and then the total price is £70.30. Question is, in the field entitled: “Admission” the only option being: “Peak”, What do they mean by the word: Peak ? If I choose Peak (the only option available) will I purchase a weekly anytime travelcard that I will be able to use throughout the whole day, OR, will I be able to ONLY use it during Peak hours (i.e. prior 09:30 am) which does NOT make any sense as a 7-Days (weekly) anytime travelcard (As the name clearly states) is valid throughout the whole day ? I am at a loss. What do they mean by the option: Peak ? Can somebody please help me ? Many thanks in advance for your time & effort. Looking forward to your reply/assistance. Many thanks & Best Regards

Staff Hi John. The way they've worded it does look a bit confusing (they should have called it 'anytime') but it will definitely be valid for an entire week, both off-peak and peak hours. That's the only version you can buy for a weekly travelcard.

JOHN Many thanks for your reply ref London weekly anytime travelcard. Much appreciated. If I land to Heathrow during weekend will I be able to buy a London weekly anytime travelcard from Heathrow Visitor Center, OR, from a Heathrow ticket machine ? In this case do I need an oyster card ? Can I use the very same card to travel (By tube and/or overground rail) from, AND, to Heathrow airport (E.g. Heathrow to Waterloo)? In the latter case, are there any specific tube/overground trains I cannot use, i.e. express ? Many thanks in advance for your time & effort. Looking forward to your reply/assistance. Many thanks & Best Regards

Staff You won't be able to buy a paper travelcard at Heathrow, but you will be able to get one loaded onto an Oyster card. Assuming that you haven't got an Oyster card already, that will add another £7 deposit on top. But if you do get an Oyster card then you may as well forget the travelcard and load some credit onto it instead, and pay normal Oyster fares, which might work out cheaper depending on how many days you're staying. Oyster credit can be used on buses and trains in all the zones, including Heathrow. But if you catch the Heathrow Express then the credit will be used to pay the normal Heathrow Express fare instead (rather than a cheaper Oyster fare - you'd have to catch the tube for that). More info about all that here - londondrum.com/​transport/​oyster-cards.php - If you want a paper travelcard then your only option is to get it from the TFL site and have it posted to you.

Matt Greer Are weekly travelcards discontinuing in January 2023? If so, what is replacing it for tourist weekly travel?

Staff Hi Matt. There was talk about scrapping them last year as well, but nothing has happened so far. If they do disappear then people will have to use the weekly cap on Oyster and contactless instead (which is the same price as a weekly travelcard). So tourists will have to buy an Oyster card.

Eva Ticket type Hi, I found Super Off-Peak Day Travelcardincludes London Travelcard with Travel conditions Same day return off-peak travel including unlimited bus, tube, tram and DLR journeys around London. I would like to use with the 2 for 1 promotion wisiting London Eye. I would like to be sure that this train ticket is accepted by them. thank you

Staff Hi Eva. It has to be from a National Rail station rather than an underground station (so it has to be printed on orange paper), and you have to book the London Eye in advance rather than turn up on the day. You can check the ticket here - daysoutguide.co.uk/​travel-by-train/​is-my-ticket-valid-for-2for1-and-other-offers

Muhammad Athar Masood I am coming to London on March 29 and shall stay here upto April 11. During my stay, I intend to travel in almost all zones of the city using bus, tube, tram or train whichever convenient. Please guide me if should buy a Travle Card or an Oyester Card.

Staff Hi Muhammad. Price-wise you're probably going to be better off with an Oyster card rather than a travelcard, but there are advantages and disadvantages to each. Have a read of this page which explains them all - londondrum.com/​transport/​oyster-contactless-travelcard-comparison.php

Sandr Hi, Me and my husband are coming to London with our kids age 8,15,16.We will be there one week.Is the seven days travelcard best options for us?

Staff Hi Sandr. Travelcards usually work out cheaper if you make 2 or more journeys on each of the 7 days, or three or more on 6 of the days. Otherwise you’ll be better off with Oyster cards (unless you have UK bank cards, then you can just use contactless instead)

Sandra Thank you very much for your answer.We surely will be using it more than 2 times a day.And my daughter age 8 doesn't have to have a travelcard?My daughter age 15 has a child travelcard?Does it have to be with a photo? Thanks for your help.

Staff You can only get a child travelcard if you have a child photocard, but you have to pay extra money for those which means you’d wipe out all the savings. So its not worth it. Your 8 year old travels for free. Its all explained on our child fares page - londondrum.com/​transport/​child-train-fares.php

Kathe Conway Hello, riding here i am curious, i will be in london for seven days thinking it is best to get a travel card, can you buy this at Heathrow ? Also if for one day I am traveling to zone four does it make more sense just to buy a single trip that day? sorry so confusing :)

Staff Hi Kathe. You can get it loaded on to an oyster card, but youll need the oyster card first. You can have a paper one posted to you if you order it online (even abroad - its all described in the ‘Where can you buy a travelcard?’ section above). If you want to use it from heathrow into central london that would be zones 1-6, which would also cover zone 4. You wouldnt be travelling zones 1-6 all week though, so it would be a bit of a waste of money. I would probably recommend getting an oyster card instead, which you can get from heathrow - londondrum.com/​transport/​oyster-cards.php

Giuluano Hi there, how much cost me a travel card zone 1to 6 on Sunday?

Staff Hi Giuluano. Sunday is off-peak so get the off-peak one - 15,20

Richard Can I buy the 1 day Travelcard at any national trainstation (planning for Knockholt)? As this is a requirement for 2for1

Staff Hi. Richard. You can, yes (assuming you mean one of the stations in London). But you have to get it from the windows/machines upstairs, in the National Rail part of the station. If you go downstairs to the London Underground part then it will be printed on different paper, which is no good for the offer.

Richard Thanks. Indeed we drive from SevenOaks to Knockholt national railstation, with our Diesel from the Netherlands, which I want to leave outside LEZ. Thus parking in Knockholt (which is in Zone 6) and then use for the Saturday and Sunday the 2 day paper travelcard. This should allow our group of 6 to have the cheapest means of transportation into London, benefitting from 2FOR1, as long as we purchase the cards at Knockholt national Railwaystation (Can we purchase them at this station!? ). Can you confirm this is the best strategy? Thx

Staff Knockholt is in zone 6, so they should sell them. Its not the cheapest way of travelling (using contactless/oyster would be cheaper) but you’d make all the money back and more from doing the 2-for-1 offer, so it sounds like a good plan. You can buy the off-peak ones if youre travelling at the weekend. And its definitely a lot cheaper than driving into london. If youre talking about this saturday and sunday remember the coronation is on, so everywhere will likely be packed

JOSE CARVALHO If I have a travelcard card for zones 1 and 2, and I want to go Canning Town (zone 2/3) and return, how to proceed.

Staff Hi Jose. if you coming from the direction of zone 1 or 2, and get off at Canning Town, then you're fine, your travelcard will cover the whole journey. If you’re going into zone 3 and your travelcard is on an oyster card, then you can just load on some extra pay-as-you-go credit to cover the fare for zone 2-3 (which can be seen here - londondrum.com/​transport/​adult-train-fares.php )

Lynn I am arriving in London from overseas and need just one train ticket from Paddington Station to Kings Cross Station. What is the best way to pay for this trip please

Staff Hi lynn. If it's just a one-off then I would buy a single ticket from the self-service machine in the station

Derek Scriven Is there still a concession on 1 day travelcards with a senior railcard?

Staff H Derek. There is, but only this specific one - "Anytime Day Travelcard Zones 1-9 when bought as part of ticket to London from outside London" - senior-railcard.co.uk/​using-your-railcard/​travel-times-tickets/

Richard I want to find out about the cheapest weekly cost for travel card from Brockley station to Reading.

Lala If I want to travel to London zones 1-6 and I need the weekly travel cards, how much is it and how do I buy it? I also have a 16-25 Railcard, can it be applied when buying?

Staff Hi Lala. the prices for zone 1-6 are all shown in the table at the top. The different ways to buy it are described under ‘Where can you buy travelcards’. The railcard wont get you a discount on a weekly travelcard. The only travelcard you can get a discount on is a “one day travelcard, zones 1-9, when bought together with a National Rail ticket to London (when coming from outside London)”

ALAN Can I use a Rail Travel Voucher issued by Transport for Wales for a cancelled journey to buy a TFL Travelcard?

Staff Hi Alan. I wouldn't imagine so, but it's probably best to ask Transport for Wales - tfw.wales/​help-and-contact/​rail/contact-us

Edward Gould Do I need a photo for an annual season travel card

Staff Hi Edward. You’ll need to get an oyster card and register it on the TFL website. You’ll then be able to buy the annual travelcard through that website and load it straight onto your card

Malcolm Oates What is price of off-peak one day travelcard zones 1-6 for a senior railcard holder. it was 34% off.

Staff Hi Malcom. The normal price is £15,20 and the discount would only apply if you bought the ticket as part of a longer National Rail journey from outside zones 1-9 - senior-railcard.co.uk/​about-the-railcard/​using-your-railcard/

Tahira If I bought a Train, Bus & Tram Travelcard covering zones 5-6, what buses would be covered? Will it always be buses up to zone 6? Or is my case different?

Staff Hi Tahira. Buses don't have zones, so whichever train travelcard you buy it will always cover buses in train zones 1-6

Steve Hi, I’m traveling to Leicester square on the Friday bank holiday from Bedford with two adults and two 15 year olds just for the day. Do we just get the one day travel card or is there a better option. Tia

Staff HI Steve. The fares will be cheaper if you just use your contactless card. But you’ll have to have one card each. if your kids don’t have one then I would get them one day travelcards - londondrum.com/​transport/​oyster-contactless-travelcard-comparison.php

Steve Thank you for your help

Ron Travelling from Richmond to Stratford using Overground line Do I need to use pink reader anywhere to get cheaper fare using contactless? Thanks

Staff Hi Ron. You need to avoid zone 1, so it will make the journey a lot longer. If you want to do it then you could change onto the Overground at Gunnersbury and tap the pink reader there (don't go through any ticket barriers, because that would end your journey)

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14 best travel credit cards of June 2024

The best travel credit cards offer an array of premium perks and benefits . For both occasional travelers and frequent flyers, adding a travel credit card to your wallet is a great way to earn rewards and save money on every trip you take. At The Points Guy, our team has done the legwork and curated a selection of the best travel credit cards for any globe-trotter, whether you prefer to backpack through mountains or settle into a luxury villa for some relaxation. From generous travel credits to premium lounge access, we’ve chosen the cards packed with the best benefits to elevate your next travel experience.

Check out our list below and discover which travel credit card from our partners makes the best addition to your wallet for all of your adventures.

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• Capital One Venture Rewards Credit Card : Best for earning miles
• Capital One Venture X Rewards Credit Card : Best for premium travel
• Ink Business Preferred® Credit Card : Best for maximizing business purchases
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• American Express® Gold Card : Best for dining at restaurants
• Capital One VentureOne Rewards Credit Card : Best for no annual fee
• The Business Platinum Card® from American Express : Best for business travel
• Wells Fargo Autograph Journey℠ Card : Best for unlimited point earning
• Chase Sapphire Reserve® : Best for travel credits
• Wells Fargo Autograph℠ Card : Best for variety of bonus categories
• American Express® Business Gold Card : Best for flexible rewards earning
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners
• Alaska Airlines Visa Signature® credit card : Best for Alaska Airlines miles

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Comparing the best credit cards, more details on the best credit cards, credit pointers with brian kelly, what is a travel credit card, helpful tools, how we rate cards, how to maximize travel credit cards, how to choose the best travel credit card, ask our experts, pros + cons of travel credit cards, frequently asked questions.

• Airport Lounge Access

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
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• The card comes with a $95 annual fee.
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• Member FDIC

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card .

• This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, worth $1,388 based on TPG valuations and not provided by the issuer.
• You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
• Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• Highest bonus-earning categories only on travel booked via Capital One Travel
• Capital One airline partners do not include any large U.S. airlines.
• 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
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• 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

Capital One Venture X Rewards Credit Card

If you can maximize the  $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees ). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations ) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full  review of the Capital One Venture X Rewards Credit Card .

• 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
• 10,000 bonus miles every account anniversary
• $395 annual fee
• $300 credit annually, only applicable for bookings made through Capital One Travel portal
• 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

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
• The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
• 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.
• See Rates & Fees

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com ,  Milk Bar, and select Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold .

• 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
• 3 points per dollar on flights booked directly with the airline or with Amex Travel.
• Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening.
• Weak on travel and everyday spending bonus categories.
• Not as effective for those living outside the U.S.
• Some may have trouble using Uber/food credits.
• Few travel perks and protections.
• 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.

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the  Capital One VentureOne Rewards Credit Card .

• No annual fee.
• Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
• Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
• Earn 1.25 miles per dollar on all purchases.
• No foreign transaction fees.
• Other credit cards can offer you higher rewards for your common purchase categories.
• Capital One airline transfer partners do not include any large U.S. airlines.
• $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

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full  review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• High spend needed for welcome offer.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.

Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.

• No foreign transaction fees
• Uncapped earning potential
• $50 annual statement credit
• Solid point earning rates in popular categories
• This card features an annual fee
• 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.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve card .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access to Chase Ultimate Rewards hotel and airline travel partners.
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee.
• May not make sense for people that don't travel frequently.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our  full review of the Wells Fargo Autograph here .

• This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
• Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
• 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.

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full  review of the American Express Business Gold Card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our  full review of the Bank of America Travel Rewards  card.

• 1.5 points per dollar on all purchases
• No annual fee
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
• No travel and purchase protections.
• 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.

Alaska Airlines Visa Signature® credit card

There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our  full review of the Alaska Airline credit card.

• Free checked bag for you and up to six guests on your reservation.
• Alaska discounts, including 20% back on in-flight purchases.
• Limited Time Online Offer—60,000 Bonus Miles!
• Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations ) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.

We’ve long suggested the Chase Sapphire Preferred Card   as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points  with strong bonus categories and a reasonable annual fee.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

To add more luxury to your travel experience, consider the Chase Sapphire Reserve® . Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.

With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.

Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners , including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.

“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card  (see  rates and fees ). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.

At $395 per year (see rates and fees ), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide  and able to bring up to two guests for no additional charge.

For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.

“With an annual fee that is $300 less than The Platinum Card® from American Express (see Amex Platinum rates and fees ), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees ). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations ) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen , former points and miles reporter

Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card , which has a $95 annual fee (see rates and fees ), identical sign-up bonus and similar earning and redemption options.

The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations  peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories.

If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card .

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited® Credit Card , which offers 1.5% cash back on all purchases and carries no annual fee.

The Amex Platinum is a stellar premium travel card that can provide amazing redemptions . Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.

Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access , automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred , Hertz Gold Plus Rewards and National Car Rental Emerald Club . Enrollment is required for select benefits.

“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card  can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.

The Amex Gold earns 4 points per dollar on dining at restaurants, with no foreign transaction fees (see rates and fees ), meaning you’ll get an 8% return on purchases (based on TPG’s valuations ). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards .

Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.

“Groceries and dining at restaurants are two of my top spending categories, and I love that the Amex Gold rewards those purchases with 4 points per dollar. When you factor in the $10 dining credit and $10 in Uber Cash each month, the $250 annual fee is a net cost of $10.” — Senitra Horbrook , former credit cards editor

For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred® Card .

The no-annual-fee Capital One VentureOne Rewards Credit Card (see  rates and fees ) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees ).

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees ). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith , former credit cards writer

For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card . You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.

There are certain ways to earn bonus points for spending on the Amex Business Platinum Card, but it’s the array of perks on the card that make it a great option. Beyond airport lounge access and automatic hotel elite status, there are a number of statement credits that are specifically targeted to common business expenses.

If you travel for business frequently, this card could help you upgrade your experience in the air and on the ground while saving you money on select business-related services. And the current welcome bonus is just the icing on the cake.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that’s even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell (enrollment required), I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

For less-frequent travelers, consider the American Express®  Business Gold Card , which offers 4 points per dollar spent on your top two spending categories each month on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter).

The Autograph Journey offers cardholders the chance to earn elevated rates across travel categories including 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and 'other travel' which includes timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds. On top of this, cardholders also get the added benefit of earning a flat rate of 1 point per dollar on other purchases for a $95 annual fee.

If you travel frequently and are looking for a card to help you rack up points you can redeem for future travel, this card is a decent option. Additionally, those looking for a way to fill gaps in their points earning strategy will benefit from the flat 1 point per dollar spent on other purchases outside of the main travel categories.

Another great perk the Autograph Journey features is an annual $50 statement credit triggered by an airline purchase of at least $50. This is on top of elevated earning rates in the certain travel categories and a solid welcome offer for new applicants. There's also no foreign transaction fees on the Autograph Journey card making it a good first travel card as well as a decent supplemental card to add to your travel credit card roster.

If you're looking for a more general use credit card with no annual fee, consider the Wells Fargo Active Cash® Card (see  rates and fees ). It earns a flat rate of 2% cash rewards on purchases making an excellent choice to help fill gaps in your reward earning strategy. The best part? Like the Autograph Journey card, the Active Cash Card doesn't put a cap on the amount of cash back you can earn.

The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit  once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.

Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal  is also a nice perk.

“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred® Card  instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.

The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.

Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.

If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.

If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Bilt Mastercard® (see rates and fees ). The card earns 3 points per dollar on dining and 2 points per dollar on travel purchases for no annual fee. Plus, Bilt points can be transferred to any of its multiple travel partners. 

The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.

The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.

The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.

If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees ), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card . You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.

It’s perfect for low-budget beginner travelers  who want a card with no annual fee and a simple way to earn and redeem points.

“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith , former credit cards writer

If you’re interested in a card with transferable miles that still has no annual fee (see  rates and fees ), consider the Capital One VentureOne Rewards Credit Card .

The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.

Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.

“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith , former credit cards writer

If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred® Card might be a better option.

Travel rewards credit cards earn points, miles or cash back that are redeemable for travel expenses or are geared toward travel spending. The cards on this list are some of the best credit cards to book flights , hotels and more with their many perks and rewards . 

Travel credit cards offer rewards on different purchases that can help you book flights, hotels and more for little to no out-of-pocket expenses. Some cards also provide valuable perks and benefits that upgrade the overall travel experience — from Global Entry application fee credits to lounge access to complimentary elite status . If you have the right card (or cards) in your wallet, the sky is the limit on where your travels can take you — literally.

Additionally, it’s often advantageous to travel with more than one credit card for a variety of reasons. Carrying a backup credit card when you travel can provide peace of mind in the case of bank or issuer problems or if you have a card flagged for fraud while you travel. (In this case, knowing if your card requires you to set up travel alerts for lengthy travel could be worthwhile).

Are you new to travel rewards? Check out our beginner’s guide to all things points and miles . You’ll learn about top loyalty programs, how to maximize your credit card strategy to reach your travel goals and so much more.

Related: The complete history of credit cards, from antiquity to today

We have researched various types of travel credit cards to help you figure out which one is best for you.

Travel vs cash back credit cards

A travel credit card is a card that is geared toward travel spending and a cash-back credit card is a card that earns cash back on purchases made with the card.

Generally, when we are talking about travel credit cards we refer to cards that earn points and miles like the Platinum Card from American Express or the Hilton Honors Aspire card. The Platinum Amex earns transferable points which can be used with any of Amex's travel partners while the Hilton Honors Aspire card only earns Hilton points which can be redeemed at Hilton properties. These cards do not earn cash back on any purchases.

Cash back cards generally offer cash back as a flat rate or feature bonus categories that earn an elevated cash back rate. Select cash-back cards can also be a great travel card such as the Blue Cash Preferred Card from American Express which offers 3% cash back on transit including rideshare, trains, buses, and more. Even though it is a cash-back card, the Blue Cash Preferred offers an elevated return on select transportation which potentially makes it a solid travel card option.

How do travel credit cards work?

Travel credit cards work like other reward credit cards: They help you earn rewards, primarily points and miles, on your purchases. This section will primarily focus on transferable rewards credit cards, like the Chase Sapphire Reserve and The Platinum Card® from American Express, as they are what are typically considered travel credit cards.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn transferable points

Transferable points credit cards earn points or miles when you make a purchase on the cards. These points and miles can then be transferred to travel partners for rewards like flights, hotel stays and more. Different cards will have different currencies, but they are generally called either “points” or “miles” (depending on the issuer). All transferable reward credit cards, airline credit cards and hotel credit cards will have their own currency that is redeemable for travel rewards. 

Travel cards have varying rates for different purchase categories. For example, the American Express® Gold Card card earns 4 points per dollar spent on restaurants but only 3 points per dollar spent on flights booked directly with the airline or Amex Travel. While the Amex Platinum may be a better card for travel as it earns 5 points per dollar spent on flights (booked directly with airline or Amex Travel and up to $500,000 per calendar year), the Amex Gold can be a good addition for Platinum holders who spend a lot of money on dining out.

Related: How to redeem American Express Membership Rewards for maximum value

How to redeem points and miles  

Once you’ve decided on a travel credit card and earned a welcome bonus, it’s time to put those points or miles toward free travel. There are many ways to redeem your rewards with travel credit cards. Many cards feature an online booking portal through which you can use your rewards to book things like flights, hotels and car rentals. Before booking your flight, you should consider doing a  flight portal comparison to ensure you're getting the best redemption. Others allow you to transfer your points or miles to individual loyalty programs. Depending on the redemption, this could unlock even more value.

There are plenty of ways to ensure you don’t make mistakes with your travel rewards . For instance, be sure you do your research with your rewards to get a high-value redemption and make sure your accounts are in good standing so you don’t risk losing them.  

Related: Tips and tricks to get maximum value from your Capital One miles

It’s up to you to decide whether a specific trip is worth spending your rewards. You can use TPG’s monthly valuations to help you determine if the price of your flight or hotel room is worth your points and miles. Some travels are more affordable in cash, but you can always save your points to splurge on a business-class flight to Europe or an overwater bungalow at a luxury resort. 

How to use travel credit card portals  

In the world of travel credit cards, the four major players are American Express, Capital One, Chase and Citi. These issuers also have their own travel portals which can be used to earn and redeem points for travel. 

Some issuers, like Capital One and Chase , offer an incentive to book travel through the bank’s portal but it is not always worth booking through a portal. 

We do not recommend booking hotel travel through card portals as it typically does not honor elite-status benefits or elite-qualifying stay credits. 

Luckily, flights typically allow you to earn bonus points through a card issuer’s portal and with the airline. Keep in mind that this does not apply to all cards. When purchasing in cash, there generally is little variance in booking through a portal or on the airline’s website so if your travel credit card offers incentives to book through the portal , it can be a great way to earn extra points. 

Related: Ultimate guide to the Citi travel portal

Points and miles redemptions will have a fair variance, especially if there are incentives to book through the travel portals. Overall, travel portals can be a great addition to your points redemption journey if properly used. Always remember to compare the price or redemption value of booking through a portal or directly with an airline. 

Booking through a portal may make matters complicated if you ever need to change or cancel your flight. 

Related: Battle of the credit card travel portals: Which is the best for booking flights?

Types of travel credit cards

Travel credit cards are cards that are geared towards travel spending. Luckily, there are many types of travel credit cards which means there is a good option for any traveler. Typically, when talking about travel credit cards, we are referring to transfer rewards credit cards, airline credit cards and hotel credit cards. There are additional types of travel credit cards that are less popular but can still be a good option for the right traveler.

Transferable rewards credit cards earn points and miles that can be redeemed through a card’s rewards program directly or by transferring them to a travel partner . Many of our best travel credit cards fall under this category because they are the most valuable type of points you can earn. Transferable rewards give you the flexibility to redeem your rewards in a way that will be most beneficial to you. Examples of top transferable rewards cards are the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline. For example, an airline card may offer free checked bags , a certain number of elite-qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more.

Hotel cobranded cards work like airline cards. You’ll earn rewards that are redeemable for a particular hotel program, such as Hilton or Marriott. Hotel cards come with their own benefits, such as complimentary elite status or free award-night stays. In addition, hotel cards can help you stack your earnings on hotel stays with the hotel’s program.

For example, if you have a Marriott credit card , you’ll earn bonus points for every dollar spent at participating Marriott properties on top of the 10 base points you get as a member of the Bonvoy program. This can really amplify the rewards you can earn when you use your hotel card to pay for your booking.

The points and miles world can be confusing for new credit card users but it doesn’t have to be. While transferable rewards cards are arguably the best way to earn points and miles for travel, they can also be incredibly confusing. Fixed-value credit cards and cash-back credit cards are good alternatives for beginners who are looking to get into the travel credit card world.

Fixed-value cards earn points or miles that are always redeemed for the same value. For example, the Bank of America® Premium Rewards® credit card earns points worth 1 cent each. These cards are great for beginners who haven’t quite gotten the hang of maximizing transferable points or casual travelers who are looking for their first travel credit card . Fixed-value credit cards are often the best travel credit cards for beginners. 

As more hotels and airlines move to a dynamic pricing model where award pricing shifts dramatically, fixed-value rewards programs are becoming more popular.

Another great credit card option for casual travelers or credit card beginners is cash-back credit cards. You don’t have to worry about points, transfer partners or maximizing your rewards with these cards. Cash-back cards provide a percentage of cash back on your spending and provide a simple way to save on your upcoming travels. 

The Capital One Quicksilver Cash Rewards Credit Card (see rates and fees ) is a great option for beginners to travel rewards. It earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and has no annual fee.

Travel credit card benefits

Some travel cards offer automatic elite status with various programs when you sign up and can also accelerate the journey to elite airline status by converting points to air miles. If you are loyal to a particular hotel brand, status with that brand will be valuable. You’ll be entitled to room upgrades, resort credits, early check-in, late checkout and more. If you’re not loyal, it won’t. The same goes for elite status with an airline — you’ll get lounge access, upgrades, increased baggage allowance, etc. When comparing the perks of various cards like elite status, be realistic about which ones you will and won’t use.

One of the coveted perks of premium travel credit cards is complimentary airport lounge access. Many premium travel credit cards come with Priority Pass lounge access , a membership that allows access to airport lounges across the world. These lounges are a great place to relax before your flight or have a snack during a long layover. Amenities will vary between lounges but most lounges provide wifi, private seating and refreshments. Be sure to check the priority pass guest policy as many lounges allow you to bring a complimentary guest (or guests).

TSA PreCheck and Global Entry are both expedited screening programs for travelers. TSA PreCheck is reserved for expedited security screening for domestic flights and Global Entry provides expedited customs screening for international travelers when entering the United States. 

The application fee for TSA PreCheck is up to $85 and $100 for Global Entry. If you are approved for the program, the membership is valid for 5 years. Many travel credit cards will offer statement credit for the application . 

What TPG readers have to say about their favorite travel credit cards

Fan favorites among top travel credit cards include those that earn both points and miles. In addition to helping offset the cost of travel — whether it’s for rental cars, hotel stays or flights — some TPG readers love that travel cards also offer travel insurance (including protections for things like delayed or lost baggage). We asked our readers which credit card has made the biggest impact when they travel and why — here are their responses.

Note: Responses have not been edited.

“Allowed me to justify staying at nicer hotels and just overall leveling up with how I travel.” — Jackie C via Facebook  

“ Venture X for me - lounge access and my first long haul biz [sic] class flight on points! Changing my travel game for the better!” — Lauren R via Facebook

“Can't beat the flexibility of the $300 travel credit from the Chase Sapphire Reserve .” — Armando S via Facebook

• Awards vs cash calculator Compare the cost in points or miles to cash.
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Earn the welcome bonus

One of the best ways to maximize your travel credit cards is to earn the welcome bonus . Most travel credit cards will offer a welcome or sign-up bonus that allows cardmembers to earn points or miles that would otherwise require a very high spend. Welcome bonuses are a crucial part of a card’s value, so before you apply for your next travel card, be sure to plan for how you will meet the spending requirement. Ideally, you would align large purchases with your card opening so that you don’t need to spend frivolously to earn that lucrative welcome bonus .

Use a travel card that matches your travel style

There is a travel credit card for everyone, but not every travel card is the best fit for your wallet . Consider what type of traveler you are, whether you have any brand loyalty and what perks you are looking for from your next credit card. If you travel often and in luxury, consider premium cards like The Platinum Card® from American Express or Chase Sapphire Reserve® . These cards are loaded with tons of luxury perks like lounge access and automatic elite status . 

Alternatively, if you’re a more thrifty traveler who likes to maximize your travel earnings, consider a mid-tier travel card like the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card . These cards allow you to earn points on your travel, and while they don’t come with a long list of luxury perks, they’re much more cost-effective for a traveler on a budget .

And even beginners don’t have to veer away from travel cards, since many products out there offer an introduction to the travel rewards world without incurring an annual fee.

It’s important to consider where you’re looking to go when you book trips, as certain cards are especially useful for international travel . Plus, if you’re someone who frequents the skies (such as a digital nomad), there are certain credit cards best for long-term travelers .

Knowing what your travel style is like will help you determine what type of travel card you need.

Use loyalty programs to stack your rewards

You don’t have to limit your earnings to just travel credit cards . Many airlines and hotel chains have loyalty programs that can be used in conjunction with your travel card to unlock added perks when doing business with a specific brand. In addition, many travel credit cards allow you to transfer points from your card to your eligible loyalty programs . This can open up nearly endless redemption options, including award chart sweet spots that can get you the most maximized redemptions for your points and miles.

• 1 Sign-up bonus Choosing a card with a healthy sign-up bonus will help jumpstart the possibility of unlocking elite status across different areas, including airline and hotel loyalty programs.
• 2 Annual fee Premium travel credit cards typically feature higher annual fees. Double-check that the card you choose suits your spending habits and travel needs before applying.
• 3 Bonus categories It also helps to check which bonus categories a card offers to ensure that they align with your spending, whether it’s at restaurants, at grocery stores or on streaming subscriptions.

What's your favorite travel credit card — and why?

• Using credit cards responsibly can help build your credit score
• Travel credit cards can earn cash back, points or miles on every dollar you spend.
• Travel credit cards can provide purchase, theft and fraud protection.
• Travel credit cards provide perks like travel insurance, complimentary hotel stays and more.
• Credit cards can encourage overspending.
• Carrying a balance and using your card irresponsibly can damage your credit score
• The cost of borrowing on credit cards is higher than traditional loans
• Having too many card applications can negatively affect your credit score
• Travel credit cards may be too complicated (or expensive) for those who aren’t frequent travelers.

Generally speaking, you need at least a very good credit score in order to get many popular travel credit cards. According to FICO, the scoring model used by most lenders, this is a score of at least 740. However, there’s no hard-and-fast rule, as each individual credit card issuer looks at a variety of factors in addition to your credit score when deciding whether to approve or decline your application.

Thankfully, there are a number of ways to check your credit score for free , so you can get an idea of where you stand before wasting an application (and a hard inquiry on your credit report) for a card for which you’re unlikely to qualify.

Points and miles are simply two different ways to describe the same thing: the rewards you earn on a credit card. As an example, many popular Capital One credit cards earn miles, whereas cards that participate in Chase Ultimate Rewards accrue points. There’s no appreciable difference between the two words.

This gets a little more complicated when you begin discussing cash-back credit cards. Some of these show earnings with a dollar amount, while others show cash-back rewards in points. However, here too there’s no significant difference. It’s simply how the card issuer chooses to describe the rewards you’re earning.

It depends entirely on your typical travel habits. Many popular travel credit cards feature rewards, benefits and redemption options that only come into play when you’re actually on the road. This includes perks like airport lounge access,  rental car insurance  or statement credits for certain travel purchases. Ultimately, you should look at how much value you expect to get out of a given travel card in one year. Then, compare that to the card’s annual fee to make sure you’re getting at least that much value.

It depends. Generally speaking, you should aim to use your rewards from travel credit cards for travel-related purchases – like flights or hotel rooms. However, everyone has a different version of what “value” looks like here. Some travelers are perfectly content redeeming 25,000 miles for a $250 economy flight. Others would rather save up and use 100,000 miles for a $5,000 business-class ticket. The important thing is to avoid redemptions like gift cards or merchandise, since those typically offer poor value for your points and miles.

Ultimately, it’s up to you to determine whether you want to keep cash in your pocket by using rewards for a particular purchase instead.

Many of the luxury travel cards on this list offer hundreds of dollars in annual travel statement credits. However, not all annual travel statements are created equal. While some cards feature easy redemptions, other cards feature redemptions that come with more restrictions. 

Out of the various cards that offer annual travel credits, the Chase Sapphire Reserve has the easiest redemption process for travel credits . The Chase Sapphire Reserve's travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more. Additionally, the travel does not have to be booked through Chase’s travel portal, and the statement credit will automatically post when you make an eligible purchase. 

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Best travel credit cards of June 2024

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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

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Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate,  focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

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

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

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

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Bankrate's Best Travel Credit Cards of June 2024

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

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How do credit card points and miles work.

• Expert advice on travel cards

How we assess the best travel credit cards

• Frequently asked questions
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Best starter travel card

Chase Sapphire Preferred® Card

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

Intro offer

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

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

Rewards rate

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

Regular APR

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

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

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

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

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

2 Miles - 5 Miles

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

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

• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
• Zero foreign transaction fees make this an excellent choice for international travelers.
• You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
• The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

The Platinum Card® from American Express

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

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

• 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
• 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

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

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

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

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

1.25 Miles - 5 Miles

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

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

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

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

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

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

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

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

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

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

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

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

Best for intro APR

Bank of America® Travel Rewards credit card

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

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

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Chase Sapphire Reserve®

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

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

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

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

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Capital One Venture X Rewards Credit Card

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

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

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

• 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best luxury hotel card

Marriott Bonvoy Brilliant® American Express® Card

• Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases

• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
• Enjoy your first checked bag free on Delta flights.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site Earn 5x points on eligible travel, dining, and gas Earn 1x points on all other purchases

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion and Delta Sky lounge access but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here are some of the key factors that we considered:

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

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

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Personal Finance

Best no annual fee travel credit cards for june 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Travelers are back in the skies and on the roads, airplanes are taking off full, and there is likely a good chance you’re planning to travel this year or thinking about it. Whether you’re heading off on a much-deserved vacation or just getting away for a weekend, you may be looking to earn rewards on your travel spending.

But most travel credit cards come with an annual fee. That might make sense for road-warrior business travelers who are on a first-name basis with the airport check-in agent, but what if you don’t travel as often? If you’re an occasional traveler, paying an annual fee might not make sense .

In this article, we’ll cover the best travel credit cards with no annual fee.

Best No Annual Fee Travel Credit Cards: Summary

Best for thankyou points: citi rewards+® card, best for cash back on travel: card_name, best for hilton stays: card_name, best for united miles: card_name.

• Best for American miles: American Airlines AAdvantage® Mile Up® Mastercard®

Best for Delta miles: card_name

Our recommendations.

Citi Rewards+® Card

(Rates & Fees)

The Citi Rewards+® Card wouldn’t normally make a list of great travel cards, but it currently offers bonus points on some travel. Cardmembers can earn a total of five ThankYou Points on hotel, car rentals, and attractions booked through the Citi Travel portal through December 31, 2025.

If you’re invested in the Citi ThankYou Points ecosystem, the card is a must-have, not for its travel benefits, but for its point bonus on redemptions. The card offers a 10% rebate on point redemptions when you redeem your ThankYou Points. If you hold multiple ThankYou Point-earning cards and combine your ThankYou Points accounts, you get this rebate on any redemption, up to 100,000 points redeemed per year.

Here are the details of the Citi Rewards+® Card :

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Special offer: Earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025 (airfare is not included).
• 2 ThankYou Points per dollar on the first $6,000 spent per year at supermarkets and gas stations for first $6,000 per year and then 1X Points thereafter.
• 1 ThankYou Point per dollar on all other purchases.
• ‌ foreign_transaction_fee foreign transaction fee.
• ‌ $0 (Rates & Fees) annual fee.

Costco Anywhere Visa® Card by Citi

If you want a no-annual-fee card that offers cash back on travel and are a Costco member, the card_name simply can’t be beat. The Costco Anywhere Visa offers 3% cash back on travel categories including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. You must be a Costco member to get this card, but if you’re looking for cash back on travel, few other cards offer as much cash back on as many travel categories as the Costco Anywhere Visa.

The one quirk of the rewards earned by the Costco Anywhere Visa Credit Card is that you earn your rewards as Costco Cash. Costco Cash rewards get distributed once your February billing statement closes in the form of a credit card reward certificate. This certificate must be redeemed at Costco for merchandise or cash.

Here are the details of the Costco Anywhere Visa Card:

• 4% cash back on the first $7,000 spent each year on eligible gas and EV charging purchases worldwide and then 1% thereafter.
• 3% cash back at restaurants worldwide.
• 3% cash back on eligible travel purchases.
• 2% cash back on all other purchases at Costco and at Costco.com.
• 1% cash back on all other purchases.
• ‌ annual_fees annual fee.

Hilton Honors Card from American Express

If your travel plans have you staying within Hilton’s family of hotel brands, consider picking up the card_name . The card earns seven Hilton Honors Bonus Points per dollar spent at hotel properties within the Hilton portfolio. And you’ll get Hilton points for your everyday purchases like gas and groceries. The card earns five Hilton Honors bonus points per dollar spent at U.S. restaurants and U.S. gas stations as well. The card is also a great choice if you’re planning to travel abroad as it does not charge foreign transaction fees.

Here are the details of the Hilton Honors American Express Card:

• 7 Hilton Honors bonus points per dollar spent at any participating hotel within the Hilton portfolio.
• 5 Hilton Honors bonus points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• 3 Hilton Honors bonus points per dollar on all other eligible purchases.
• foreign_transaction_fee foreign transaction fee ( Rates & Fees ).
• annual_fees annual fee ( Rates & Fees ).

United Gateway℠ Card

Why we like it:.

United MileagePlus aficionados wanting to pad their mileage balances without paying an annual fee should take a look at the card_name . The card earns two United miles per dollar spent on United Airlines purchases, at gas stations, and on local transit and commuting.

The benefits of the card_name don’t stop with earning miles. The card also offers 25% back on United inflight and United Club premium drink purchases. And the card offers essential travel insurance coverage such as auto rental collision damage waiver, trip cancellation/interruption insurance, and purchase protection.

Here are the details of the United Gateway Card:

• 2 United miles per dollar spent on United purchases.
• 2 United miles per dollar spent at gas stations.
• 2 United miles per dollar spent on local transit and commuting.
• 1 United mile per dollar spent on all other purchases.
• foreign_transaction_fee foreign transaction fees.
• annual_fees annual fee.
• Member FDIC.

Best for American miles: card_name

Citibusiness® / aadvantage® platinum select® mastercard®.

If you want to earn American Airlines miles on your purchases with the airline, there may be no better card than the American Airlines AAdvantage® Mile Up® Mastercard® . The card earns two miles per dollar spent with American Airlines—an earning rate that matches even the airline’s most premium card_name , which carries a annual_fees annual fee. In addition to miles on American Airlines purchases, the card earns two miles per dollar spent at grocery stores.

The card_name has a unique feature among airline cards with no annual fee: The card can help you earn elite status with American Airlines. You earn one loyalty point for every one dollar you spend on purchases. Earning just 15,000 loyalty points in a year gets you Group 5 boarding privileges and a handful of preferred seat coupons. Once you earn 40,000 loyalty points in a year, you get AAdvantage Gold status, giving you access to complimentary upgrades.

Here are the details of the card_name :

• 2 AAdvantage miles per dollar spent on eligible American Airlines purchases.
• 2 AAdvantage miles per dollar spent at grocery stores, including grocery delivery services.
• 1 AAdvantage mile per dollar spent everywhere else.
• Earn 1 loyalty point for every AAdvantage mile earned from purchases.

Delta SkyMilesR Blue American Express Card

Delta Air Lines flyers can earn SkyMiles without paying an annual fee if they hold the card_name . The card_name offers two SkyMiles per dollar spent on Delta purchases and at restaurants, plus a 20% rebate on in-flight purchases. The card does not levy a foreign transaction fee ( Rates & Fees ), making it a solid option for international travelers who prefer SkyTeam.

Here are the details of the Delta SkyMiles Blue American Express Card:

• 2 Delta SkyMiles per dollar spent on Delta purchases.
• 2 Delta SkyMiles per dollar spent at restaurants.
• 1 mile per dollar spent on all other purchases.

Best No Annual Fee Travel Credit Cards Comparison Chart

Our methodology.

To find the best travel credit cards with no annual fee, we looked at the offerings from banks, U.S.-based airlines, and the major hotel chains. To be included in our list, cash back cards had to earn greater than 2% cash rewards on travel. Co-branded hotel and airline cards needed to earn at least two points per dollar on purchases with the brand. In most cases, we found that holding the no-annual-fee card that aligns with your travel brand preferences will earn you the most miles and points.

TIME Stamp: Brand loyalty can be rewarding

If you are a Costco member, the card_name offers the best travel rewards across a variety of travel purchases. If you’re not a Costco member and want a travel credit card that offers the best rewards with no annual fee, go with the entry-level card of your most used travel brand.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Find the best credit card for you

Best family travel credit cards of 2024, unlock award flights, hotel stays and airport lounge access with the top family travel credit cards..

Family travel is a rewarding but complicated endeavor, and every family member you add to the trip increases the cost. However, planning ahead and using the right travel credit card can save you money and make your trips more comfortable.

The best family travel credit cards earn valuable points, miles or cash-back and offer benefits like airport lounge access that the whole family can enjoy. Here are CNBC Select's top picks for families looking to upgrade their next vacation. (See our methodology for more information on how we choose the best travel credit cards for families.)

Best family travel credit cards

• Best for no annual fee: Wells Fargo Autograph℠ Card
• Best for domestic flights: Southwest Rapid Rewards® Priority Credit Card
• Best for lodging:   Chase Sapphire Preferred® Card
• Best for airport lounge access: Capital One Venture X Rewards Credit Card
• Best for fair credit: Citi Double Cash® Card

Best for no annual fee

Wells fargo autograph℠ card.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Welcome bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

$0 annual fee

0% intro APR for 12 months from account opening on purchases

Regular APR

20.24%, 25.24%, or 29.99% variable APR

Balance transfer fee

Up to 5%, min: $5 

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• No annual fee
• Solid rewards on broad spending categories
• 0% intro APR offer
• Get up to $600 cell phone protection (subject to a $25 deductible)
• Valuable welcome offer
• Access to My Wells Fargo Deals to earn cash back in the form of an account credit when shopping, dining
• No balance transfer offer

Who's this for?  The Wells Fargo Autograph℠ Card stands out for those seeking a no-annual-fee travel credit card as it has a long list of 3X bonus categories and earns transferrable points.

Standout benefits: The points earned with this card can be transferred to a growing list of airline and hotel partner programs, including British Airways Executive Club, Avianca LifeMiles and Air France/KLM Flying Blue. Having these various redemption options increases the value of your points as it allows you to take advantage of sweet spots with different programs.

[ Jump to more details ]

Best for domestic flights

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

21.49% - 28.49% variable

5%, minimum $5

Foreign transaction fees

Terms apply.

• Southwest upgraded boarding on up to 4 tickets per year
• 7,500 bonus points on each account anniversary
• $75 Southwest annual travel credit
• 4 upgraded boardings per year when available
• $149 annual fee
• No special financing offers

Who's this for?  With free checked bags for all passengers and a family-friendly seating policy, Southwest is great for families, and the Southwest Rapid Rewards® Priority Credit Card can help you save on your trips.

Standout benefits: This card can help families earn the Southwest Companion Pass more easily as the points from its welcome bonus count toward the 135,000-point threshold. Cardholders also receive a 10,000-qualifying-point boost every calendar year. The Southwest Companion Pass is valuable for families as it allows you to bring along a guest on any Southwest flight for the cost of taxes and fees.

Best for lodging

Chase sapphire preferred® card.

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, and $50 annual Chase Travel Hotel Credit, plus more.

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

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Read our Chase Sapphire Preferred® Card review .

• Points are worth 25% more when redeemed for travel via Chase Travel℠
• Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
• Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
• No fee charged on purchases made outside the U.S.
• $95 annual fee
• No introductory 0% APR

Who's this for?  The Chase Sapphire Preferred® Card is an amazing all-around travel card, but can be especially valuable for booking your hotel stays and other lodgings.

Standout benefits: The points earned with this card can help you book everything from an Airbnb to a suite in a luxury hotel. At a minimum, Chase Ultimate® Rewards points are worth one cent for statement credits and gift cards. However, your points are automatically worth 25% more when redeemed through the Chase Travel SM portal and potentially more when transferred to one of Chase's airline or hotel partners.

Best for airport lounge access

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is great if you're looking for a premium credit card with easy-to-use benefits.

Standout benefits:  This card offers generous airport lounge access, including unlimited access to Capital One Lounges , Priority Pass Lounges and Plaza Premium lounges. You can bring up to two guests to Capital One and Plaza Premium lounges and unlimited guests to Priority Pass Lounges. Better yet, airport lounge access benefits extend to authorized u sers on your card, and you can add up to four for no additional fee.

Best for fair credit

Citi double cash® card.

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

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.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is perfect for families with less-than-perfect credit who don't want to bother with a complicated rewards program.

Standout benefits: Most cash-back credit cards and rewards credit cards earn 1% back or 1X points on purchases that fall outside of special bonus categories. With the Citi Double Cash , you get double the return: 1% cash back when you buy and 1% cash back when you pay. Over time this adds up and there is no limit to how much cash back you can earn.

More on our top credit cards for family travel

The Wells Fargo Autograph℠ Card is a rare no-annual-fee card that earns transferrable travel rewards.

• 3X points at restaurants
• 3X points on travel
• 3X points on gas
• 3X points on transit
• 3X points on popular streaming services
• 3X points on phone plans
• 1X points on all other purchases

Earn 20,000 bonus points after spending $1,000 on purchases with the card in the first three months of account opening.

Notable perks

One of the best features of this card is its ability to transfer points to travel partners. You can transfer Wells Fargo rewards to these airline and hotel programs:

• Aer Lingus AerClub
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Iberia Plus
• Choice Hotels

If you prefer simplicity, you can still redeem your points for one cent each for statement credits, gift cards and travel booked through the Wells Fargo rewards site.

When you pay your monthly phone bill with the card, you'll not only earn 3X points but also qualify for cell phone protection . This coverage will reimburse you for up to $600 per claim with a $25 deductible (up to two claims per 12 months). It also has no foreign transaction fee, roadside dispatch, travel and emergency assistance and rental car collision coverage (secondary in the U.S.).

New cardholders also receive an intro 0% APR on purchases for the first 12 months, then a variable 20.24%, 25.24% or 29.99% applies.

[ Return to card summary ]

The Southwest Rapid Rewards® Priority Credit Card is a family-friendly airline card with more than enough benefits to justify its annual fee.

• 3X points on Southwest purchases
• 2X points on hotel and rental cars booked through Southwest
• 2X points on local transit
• 2X points on internet, cable and phone services

Earn 50,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

The points you earn from this card's welcome offer and spending on the card can help you earn a Southwest Companion Pass. On top of that, you also receive a 10,000-qualifying-point boost every calendar year. Anyone pursuing Southwest elite status will appreciate the opportunity to earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend annually with no cap on the number of TQPs you can earn.

Every year, you'll receive two benefits that can offset the annual fee alone: A $75 Southwest travel credit and 7,500 bonus points. Experts value Southwest points at around 1.3 cents per point , which makes the annual bonus points worth roughly $97.50 in Southwest flights.

Every Southwest ticket comes with two free checked bags , no cancellation fees and no change fees, and with this card, you'll get reimbursed for up to four upgraded boardings per year. Southwest doesn't have assigned seats, so upgraded boarding becomes more valuable, especially for families that need to sit together. If you don't want to pack snacks for the trip, you'll receive 25% back on inflight purchases when you use this card.

The Chase Sapphire Preferred® Card is a popular travel rewards card with useful benefits and a lucrative welcome bonus, all for an annual fee under $100 .

• 5X points per dollar on travel purchased through Chase Travel℠
• 5X points per dollar on Lyft rides through Mar. 31, 2025
• 5X points on Peloton equipment and accessory purchases over $150 (through March 31, 2025; max of 25,000 total points)
• 3X points per dollar on dining
• 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
• 3X points per dollar on select streaming services
• 2X points per dollar on all other travel purchases
• 1X points per dollar on all other purchases

Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

The Chase Sapphire Preferred comes with many valuable protections, including  primary rental car insurance , trip cancellation and interruption insurance, purchase protection , extended warranty protection and baggage and trip delay insurance. On top of that, you pay no foreign transaction fee and for every card anniversary you'll receive a 10% points bonus based on how many points you earned the previous year.

You'll also have access to several statement credits, including up to $50 hotel credit for bookings you make through Chase's travel site. Cardholders can also register to receive six months of free Instacart+ membership (activate by July 31, 2024) and up to $15 back each quarter for Instacart purchases (through July 2024). You can also enroll to receive a complimentary DashPass membership for a minimum of one year when you activate by December 31, 2024.

Perhaps the best feature of this card is that it unlocks the ability to transfer Chase Ultimate Rewards points to 14 airline and hotel partners. Chase has a long list of valuable partners including United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, World of Hyatt Hyatt and more. You'll also receive a 25% bonus when you pay for travel you book through the Ultimate Rewards site, which means you'll get a value of 1.25 cents per point. Occasionally, Chase offers discounts on gift card redemptions and you may be able to pick up Airbnb gift cards for 1.1 cents per point.

The Capital One Venture X Rewards Credit Card is a top-rated travel credit card offering premium perks for a significantly lower annual fee than luxury cards with similar benefits. 

• 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
• 5X miles per dollar on flights booked via the Capital One Travel portal
• 2X miles on all other eligible purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

The Venture X's annual fee is one of the easiest premium credit card fees to justify thanks to its straightforward benefits. Every year cardholders receive up to $300 in Capital One Travel credit and 10,000 anniversary bonus miles, which are worth at least $100 in travel.

On top of that, when you apply for Global Entry or TSA PreCheck® you'll receive an application fee credit of up to $100. Once through security, enjoy unlimited access to Priority Pass airport lounges, Plaza Premium Lounges and Capital One Lounges. You can add up to four authorized users for no additional fee and each authorized user receives the same airport lounge access for themselves and guests.

Eligible purchases are covered by the following travel and purchase protections:

• Rental car damage and theft insurance (primary)
• Cell phone protection
• Purchase security
• Return protection
• Extended warranty protection
• Trip delay reimbursement
• Trip cancellation and interruption insurance
• Lost luggage reimbursement
• Travel accident insurance
• Travel and emergency assistance services

You can transfer the Capital One miles you earn with this card to partners like Air Canada Aeroplan, Avianca LifeMiles, Wyndham Rewards, Emirates Skywards and many more.

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

The Citi Double Cash® Card is a no annual fee cash-back credit card with a straightforward rewards structure and useful intro APR offer for balance transfers.

• 5% total cash back on hotels, rental cars and attractions you book through Citi Travel (through Dec. 31, 2024)
• 2% cash back on all other purchases (1% cash back when you buy and 1% cash back when you pay)

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. 

The Citi Double Cash is an excellent option for balance transfers because new card members receive an intro 0% APR on eligible balance transfers for the first 18 months, then a variable 19.24% - 29.24% APR applies. There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for the first four months, after that the balance transfer fee is 5% of each transfer ($5 minimum).

While this is technically a cash-back card, it earns cash back in the form of Citi ThankYou® points . You can redeem these points at a value of one cent each for statement credits, gift cards, travel and more. You also have access to a limited number of Citi's travel partners and can transfer the points you earn with this card to Wyndham Rewards, Choice Hotels or JetBlue TrueBlue.

How do I choose the best travel credit card for my family?

The best travel credit card for your family depends heavily on where you want to go and what you want to use credit card rewards and benefits for. Some cards are great for airline redemptions, while others are better for hotel stays or cash-back rewards. Knowing your travel goals can help you hone in on the right choice for your situation.

Can you add family members to a credit card?

You can add family members to your credit cards as authorized users. However, it's important to understand the fine print because there can be an additional fee for adding authorized users and authorized user card benefits may be limited.

Is it better to use Visa or Mastercard in Europe?

Visa and Mastercard are both widely accepted in Europe and beyond. Both of these payment networks tend to be more universally accepted in Europe than Discover or American Express.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards for families.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which cards offer the best value for family travel, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data f orecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best family travel credit cards, we focused on cards that offer perks or rewards that make sense for families. 

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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.

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14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

• Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
• The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
• Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

• 46 travel credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

• Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
• Bilt Mastercard® – Best no-annual-fee travel card for paying rent
• Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
• Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
• Discover it® Miles – Best no-annual-fee travel card for simple rewards
• Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

• Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
• Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

• American Express® Gold Card – Best travel card for dining
• Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
• Chase Sapphire Reserve® – Best premium travel credit card
• The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

• The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

• United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

• No annual fee
• No foreign transaction fees
• Earns 1.5x points on all purchases
• No bonus category for travel
• Few benefits compared to other cards
• Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

• No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
• Use it to pay your rent and earn rewards without incurring any processing fees
• You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
• Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
• No welcome bonus or introductory APR period
• Points redeemed for statement credits are worth 0.55 cents each
• You must make at least five transactions in a statement period to earn points
• Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

• Can transfer your miles to 16 travel partners
• Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
• Doesn't earn bonus points on airfare
• No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

• Includes trip cancellation/interruption and car rental insurance
• Features a high flat cash back rate combined and popular bonus categories
• 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

• No annual or foreign transaction fees
• Discover matches the total miles you earned at the end of the first year
• Earns 1.5x miles on all purchases
• See your FICO score on the Discover mobile app, online and on statements
• Few benefits compared to other travel cards
• Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

• Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
• Includes cell phone protection plan
• No airline or hotel transfer partners
• Doesn't include travel insurance
• Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

• Earn 2x miles per dollar on most purchases
• Up to $100 credit for Global Entry or TSA PreCheck(R)
• Includes travel accident and car rental insurance
• Fewer bonus categories than other cards with a similar annual fee ($95)
• Doesn't offer travel rewards for flights
• Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

• Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
• Receive a point bonus each account anniversary
• Includes primary rental car insurance
• Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
• $95 annual fee
• Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

• Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
• Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
• Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
• Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
• High annual fee ($250)
• Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

• Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
• Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
• $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
• Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

• 10,000 bonus miles every year
• Statement credit of up to $300 for bookings made through Capital One Travel
• Up to a $100 credit on Global Entry or TSA PreCheck(R)
• Skip the line and get car upgrades when renting a car with Hertz
• High annual fee ($395)
• Fewer bonus categories than other premium cards
• No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

• 10,000 bonus miles every year (starting on your first anniversary)
• $300 annual credit for bookings through Capital One Travel
• Up to a $100 credit for Global Entry or TSA PreCheck®
• Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
• Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

• Up to $300 in statement credits each anniversary year to cover travel purchases
• Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
• Points worth 50% more when redeemed for travel expenses through Chase TravelSM
• Comprehensive travel insurance coverage, including emergency dental insurance
• High annual fee ($550)
• Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

• $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
• Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
• Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

• Access to the widest network of airport lounges of any card
• Complimentary elite status in the Marriott and Hilton hotel loyalty programs
• Hundreds of dollars in annual statement credits for travel, dining and more
• High annual fee ($695)
• Doesn't include baggage delay, travel accident and primary rental car insurance
• Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

• Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
• Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
• $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
• Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
• Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• Around $1,000 in yearly statement credits for select business purchases
• Access to a wide network of airport lounges (terms apply)
• Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
• Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

• Free first checked bag for you and a companion
• Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
• 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
• Complimentary priority boarding for you and companions traveling on the same reservation
• $95 annual fee (after the first year)
• No intro APR period
• Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

• Two one-time passes for United Club℠ airport lounges each account anniversary year
• 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
• Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
• Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

• Some cards offer up to 10x points per dollar on travel purchases.
• Many have additional bonus categories for dining, grocery shopping and more.
• They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
• Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
• Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
• They might not offer high rewards on spending outside of the travel category.
• Some of the best ones can have steep annual fees and require good to excellent credit
• Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

• Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
• Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
• Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
• General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
• Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
• Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
• Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
• Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

• Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
• Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
• If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
• Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
• If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

• Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

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.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: 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.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, 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.

Car Rental Loss & Damage Insurance: 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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