weird news time travel

Do you believe in time travel? I’m a skeptic myself — but if these people’s stories about time travel are to be believed, then I am apparently wrong. Who knows? Maybe one day I’ll have to eat my words. In all honesty, that might not be so bad — because the tradeoff for being wrong in that case would be that time travel is real . That would be pretty rad if it were true.

Technically speaking time travel does exist right now — just not in the sci fi kind of way you’re probably thinking. According to a TED-Ed video by Colin Stuart, Russian cosmonaut Sergei Krikalev actually traveled 0.02 seconds into his own future due to time dilation during the time he spent on the International Space Station. For the curious, Krikalev has spent a total of 803 days, nine hours, and 39 minutes in space over the course of his career.

That said, though, many are convinced that time dilation isn’t the only kind of time travel that’s possible; some folks do also believe in time travel as depicted by everything from H. G. Wells’ The Time Machine to Back to the Future . It’s difficult to find stories online that are actual accounts from real people — many of them are either urban legends ( hi there, Philadelphia Experiment ) or stories that center around people that I’ve been unable to verify actually exist — but if you dig hard enough, sincere accounts can be found.

Are the stories true? Are they false? Are they examples of people who believe with all their heart that they’re true, even if they might not actually be? You be the judge. These seven tales are all excellent yarns, at any rate.

The Moberly–Jourdain Incident

In 1901, two Englishwomen, Anne Moberly and Eleanor Jourdain , took a vacation to France. While they were there, they visited the Palace of Versailles (because, y’know, that’s what one does when one visits France ). And while they were at Versailles, they visited what’s known as the Petit Trianon — a little chateau on the palace grounds that Louis XVI gave to Marie Antoinette as a private space for her to hang out and do whatever it was that a teenaged queen did when she was relaxing back then.

But while they were there, they claimed, they saw some… odd occurrences. They said they spotted people wearing anachronistic clothing, heard mysterious voices, and saw buildings and other structures that were no longer present — and, indeed, hadn’t existed since the late 1700s. Finally, they said, they caught sight of Marie Antoinette herself , drawing in a sketchbook.

They claimed to have fallen into a “time slip” and been briefly transported back more than 100 years before being jolted back to the present by a tour guide.

Did they really travel back in time? Probably not; various explanations include everything from a folie a deux (basically a joint delusion) to a simple misinterpretation of what they actually saw. But for what it’s worth, in 1911 — roughly 10 years after what they said they had experienced occurred — the two women published a book about the whole thing under the names Elizabeth Morison and Frances Lamont simply called An Adventure. These days, it’s available as The Ghosts of Trianon ; check it out, if you like.

The Mystery Of John Titor

John Titor is perhaps the most famous person who claims he’s time traveled; trouble is, no one has heard from him for almost 17 years. Also, he claimed he came from the future.

The story is long and involved, but the short version is this: In a thread begun in the fall of 2000 about time travel paradoxes on the online forum the Time Travel Institute — now known as Curious Cosmos — a user responded to a comment about how a time machine could theoretically be built with the following message:

“Wow! Paul is right on the money. I was just about to give up hope on anyone knowing who Tipler or Kerr was on this worldline.

“By the way, #2 is the correct answer and the basics for time travel start at CERN in about a year and end in 2034 with the first ‘time machine’ built by GE. Too bad we can’t post pictures or I’d show it to you.”

The implication, of course, was that the user, who was going by the name TimeTravel_0, came from a point in the future during which such a machine had already been invented.

Over the course of many messages spanning from that first thread all the way through the early spring of 2001, the user, who became known as John Titor, told his story. He said that he had been sent back to 1975 in order to bring an IBM 5100 computer to his own time; he was just stopping in 2000 for a brief rest on his way back home. The computer, he said, was needed to debug “various legacy computer programs in 2036” in order to combat a known problem similar to Y2K called the Year 2038 Problem . (John didn’t refer to it as such, but he said that UNIX was going to have an issue in 2038 — which is what we thought was going to happen back when the calendar ticked over from 1999 to 2000.)

Opinions are divided on whether John Titor was real ; some folks think he was the only real example of time travel we’ve ever seen, while others think it’s one of the most enduring hoaxes we’ve ever seen. I fall on the side of hoax, but that’s just me.

Project Pegasus And The Chrononauts

In 2011, Andrew D. Basiago and William Stillings stepped forward, claiming that they were former “chrononauts” who had worked with an alleged DARPA program called Project Pegasus. Project Pegasus, they said, had been developed in the 1970s; in 1980, they were taking a “Mars training class” at a community college in California (the college presumably functioning as a cover for the alleged program) when they were picked to go to Mars. The mode of transport? Teleportation.

It gets better, too. Basiago and Stillings also said that the then- 19-year-old Barack Obama , whom they claimed was going by the name “Barry Soetero” at the time, was also one of the students chosen to go to Mars. They said the teleportation occurred via something called a “jump room.”

The White House has denied that Obama has ever been to Mars . “Only if you count watching Marvin the Martian,” Tommy Vietor, then the spokesman for the National Security Council, told Wired’s Danger Room in 2012.

Victor Goddard’s Airfield Time Slip

Like Anne Moberly and Eleanor Jourdain, senior Royal Air Force commander Sir Robert Victor Goddard — widely known as Victor Goddard — claimed to have experienced a time slip.

In 1935, Goddard flew over what had been the RAF station Drem in Scotland on his way from Edinburgh to Andover, England. The Drem station was no longer in use; after demobilization efforts following WWI, it had mostly been left to its own devices. And, indeed, that’s what Goddard said he saw as he flew over it: A largely abandoned airfield.

On his return trip, though, things got… weird. He followed the same route he had on the way there, but during the flight, he got waylaid by a storm. As he struggled to regain control of his plane, however, he spotted the Drem airfield through a break in the clouds — and when he got closer to it, the bad weather suddenly dissipated. But the airfield… wasn’t abandoned this time. It was busy, with several planes on the runway and mechanics scurrying about.

Within seconds, though, the storm reappeared, and Goddard had to fight to keep his plane aloft again. He made it home just fine, and went on to live another 50 years — but the incident stuck with him; indeed, in 1975, he wrote a book called Flight Towards Reality which included discussion of the whole thing.

Here’s the really weird bit: In 1939, the Drem airfield was brought back to life. Did Goddard see a peek into the airfield's future via a time slip back in 1935? Who knows.

Space Barbie

I’ll be honest: I’m not totally sure what to do with thisone — but I’ll present it to you here, and then you can decide for yourself what you think about it. Here it is:

Valeria Lukyanova has made a name for herself as a “human Barbie doll” (who also has kind of scary opinions about some things ) — but a 2012 short documentary for Vice’s My Life Online series also posits that she believes she’s a time traveling space alien whose purpose on Earth is to aid us in moving “from the role of the ‘human consumer’ to the role of ‘human demi-god.’”

What I can’t quite figure out is whether this whole time traveling space alien thing is, like a piece of performance art created specifically for this Vice doc, or whether it’s what she actually thinks. I don’t believe she’s referenced it in many (or maybe even any) other interviews she’s given; the items I’ve found discussing Lukyanova and time travel specifically all point back to this video.

But, well… do with it all as you will. That’s the documentary up there; give it a watch and see what you think.

The Hipster Time Traveler

In the early 2010s, a photograph depicting the 1941 reopening of the South Fork Bridge in Gold Bridge, British Columbia in Canada went viral for seemingly depicting a man that looked… just a bit too modern to have been photographed in 1941. He looks, in fact, like a time traveling hipster : Graphic t-shirt, textured sweater, sunglasses, the works. The photo hadn’t been manipulated; the original can be seen here . So what the heck was going on?

Well, Snopes has plenty of reasonable explanations for the man’s appearance; each item he’s wearing, for example, could very easily have been acquired in 1941. Others have also backed up those facts. But the bottom line is that it’s never been definitively debunked, so the idea that this photograph could depict a man from our time who had traveled back to 1941 persists. What do you think?

Father Ernetti’s Chronovisor

According to two at least two books — Catholic priest Father Francois Brune’s 2002 book Le nouveau mystère du Vatican (in English, The Vatican’s New Mystery ) and Peter Krassa’s 2000 book Father Ernetti's Chronovisor : The Creation and Disappearance of the World's First Time Machine — Father Pellegrino Ernetti, who was a Catholic priest like Brune, invented a machine called a “chronovisor” that allowed him to view the past. Ernetti was real; however, the existence of the machine, or even whether he actually claimed to have invented it, has never been proven. Alas, he died in 1994, so we can’t ask him, either. I mean, if we were ever able to find his chronovisor, maybe we could… but at that point, wouldn’t we already have the information we need?

(I’m extremely skeptical of this story, by the way, but both Brune’s and Krassa’s books swear up, down, left, and right that it’s true, so…you be the judge.)

Although I'm fairly certain that these accounts and stories are either misinterpreted information or straight-up falsehoods, they're still entertaining to read about; after all, if you had access to a time machine, wouldn't you at least want to take it for a spin? Here's hoping that one day, science takes the idea from theory to reality. It's a big ol' universe out there.

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'Time traveller' reveals list of world-altering events due in 2023 - from tsunamis to alien visit

Eno Alaric 'from the year 2671' has made huge claims over huge scientific discoveries, natural disasters, and an alien visit

• 17:31, 13 MAR 2023

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A man who claims he is a time traveller from the year 2671 has listed a number of terrifying events that he foresees occurring in 2023.

From tsunamis to major scientific breakthroughs, this year looks set to be one filled with incredible events.

Eno Alaric has made huge claims over huge scientific discoveries due to be made after 8,000 people allegedly get chosen by an alien race to save the planet.

READ MORE: Ireland weather: Forecasters issue grim St. Patrick's Day update before big change

The social media user, known on TikTok as @theradianttimetraveler , also claims a tsunami may hit California, causing a huge number of casualties.

The self-proclaimed time traveller also mentioned that there might be some huge scientific discoveries, including scientists finding a way to use stem cells to grow replacement organs.

The creator, who has garnered over 26,000 followers from his warnings in short video clips, said in his latest video: "ATTENTION! To anyone who believes I am a fake time traveller, remember these major events in the rest of 2023.

"March 23: 8,000 people are chosen to save humanity by an alien known as the Champion. The Champion will bring these people to another habitable planet to save the species from another hostile alien race.

"May 15, 2023: A 750ft megatsunami hits San Francisco, CA, with over 200,000 casualties. June 12: A five-mile-deep trench opens from a 9.5 magnitude earthquake, releasing many species thought to be extinct.

"June 18: 7 people randomly fall from the sky to their passing, while nothing was even there. August 12: Scientists find a cure for skin cancer, using a pituitary gland from a squirrel.

"December 3, 2023: A large crystal is discovered deep in the Amazon, having the power to heal all ailments and injuries.

"December 29: Scientists find a way to use stem cells to grow replacement organs and new kinds of organs".

TikTok viewers were left divided over the clip as they didn't know whether they should believe it or not, as one user sarcastically wrote: "Oh, what an exciting year".

Another argued: "A real-time traveller would know that just informing us of things that happened in the future change the timeline, therefore, creating a new future".

One more person wrote: "I want to be among the 8,000".

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Time Travel Proof: The Mounting Evidence Of A Broken Timeline

Time traveling tourists & other things.

Evidence of time travel is not something to be ignored — these periodic blips of stories, pictures, and artifacts are nothing less than blatant signs that our universe is in peril. The space-time continuum is breaking apart!

Eight years ago, I shared the first batch of this evidence. A handful of photographs and video clips that many believed were proof that time travel not only existed, but that individuals from the future had already visited us. Some, it was claimed, had even journeyed back to ancient times.

But they left footprints. They dropped artifacts. They were mistakenly caught on camera. Others deliberately shared knowledge of their strange voyages.

Others, if their stories are to be believed, were not quite so deliberate — they were like you or me. Ordinary people caught in time slips, temporarily whisked away to other eras, or perhaps even other universes.

Who were these alleged time travelers? These are some of their stories…

• The 1917 Photograph

The Mummy’s Modern Boots

• Project Pegasus & Nikola Tesla’s Jump Room
• A Watch Found In A Chinese Tomb
• Time Traveler Bridge Photo
• Charlie Chaplin Time Traveler
• An 1800s CD Case
• The Time Slip Hotel
• A Mysterious Near-Miss

Time Traveler In 1917 Photograph

It’s an odd thing when something, or someone, doesn’t quite fit in. At first, you may not notice. But upon closer inspection, the anomaly becomes clear.

So is the case with this seemingly ordinary photograph taken in 1917 Canada, found in a 1974 book titled The Great History of Cape Scott . It shows a group of people sitting upon the rocks of a beach, but among the crowd is a man who appears suspiciously out of place.

Many believe his clothes do not match those of the other beach-goers. Wearing a tee shirt, shorts, and with a hair style that seems quite modern in comparison, the mysterious individual hits all the check boxes for a person displaced in time.

In the photo, others even appear to look at him, perhaps in confusion.

This particular time traveler is colloquially known as the “surfer dude.”

Others, however, raise incredible questions.

For some time now, many have wondered about the existence of the so-called “Adidas Mummy,” the preserved body of a 30 to 40-year-old woman discovered in the Altai mountains region of Mongolia in 2016. She had been buried there for about 1,100 years.

Those studying her found that she had likely died of a “blow to the head.” However, her feet drew the most attention.

She wore what looked uncannily like modern day shoes, perhaps resembling a pair of snowboarding boots, as the Daily Mail mused in 2017 . They were made of felt, with splashes of bright red, and “knee length” with leather soles.

Their unique design, likened to Adidas, led many to question if perhaps the ancient Mongolian woman was in fact a time traveler. Perhaps, even if the shoes themselves were not from current times, they were made, or possibly inspired, by someone from the future utilizing the same style.

Among her other belongings was what archaeologists described as a “beauty kit,” including a mirror, a comb, and a knife. However, scientists brushed off any claims that she was a time traveler, though they did say the style of the boots was “very modern.”

Nikola Tesla’s Jump Room

For years, Andrew Basiago has told the story of Project Pegasus, the alleged covert time travel initiative that was funded and maintained by the United States government throughout the 1960s and 70s. But perhaps the most interesting detail of his peculiar story is the existence of the so-called Jump Room.

It was in this room that Basiago claimed participants such as himself performed their secretive time travel experiments.

Built using designs by the late Nikola Tesla, recovered from his New York apartment shortly after his death, the room housed what some would call a teleportation machine. It consisted of a “shimmering curtain” made of “radiant energy,” a special, and allegedly as-yet-undisclosed, form of energy that is “latent and pervasive” throughout the cosmos. It is, if this story is to be believed, what makes time travel possible.

The curtain stood between two elliptical booms, and by passing through it, would-be travelers could journey across vast distances — and time itself. Basiago claims to have visited Gettysburg using the jump room, and that the experiments even took him as far as the planet Mars.

Beyond that, there are few other details about the mysterious Jump Room, and no physical proof remains. Did it really exist?

Evidence Of Time Travel In A Chinese Tomb?

A story from 2008, originally published by none other than the Daily Mail , claimed that Chinese archeologists found a watch in a 400-year-old Si Qing tomb in Shangsi County, China. This story then went extremely viral, after I shared my original article on it (“Are These Images Proof Of Real Time Travel,” published March 22, 2012). The images, which are still scattered around out there (source unknown), show a group of archeologists examining a stone block within a room, as well as the singular image of someone holding up a tiny piece of metal in the shape of a watch.

Allegedly, the timepiece was “frozen” at 10:06, with the word “Swiss” engraved on its back. However, the object looked much more like a sculpted piece of stone than an actual functioning watch, not to mention the fact that its circumference appeared smaller than that of a finger.

If I were charitable, I could say that perhaps 400 years ago some people carved this to look like a watch someone had seen, perhaps one worn by a visiting time traveler. That, or I’m incorrect and it is an actual watch and the time traveler was just very tiny. Maybe we all do shrink in the future, like the Shrinking Man Project suggests we should. You never know! Moving on!

Time Traveler Visits A Bridge?

A strange photo, once available at the Virtual Museum Of Canada (which has since been decommissioned), appeared to show a group of people attending the reopening of the South Fork Bridge in 1941. The bridge was located in Gold Bridge in British Columbia, Canada, and quite a few people showed up for it. But like the 1917 Canadian surfer dude mentioned earlier, someone in this photo seemingly doesn’t belong.

Who was this oddly out-of-place individual, wearing what looks like modern clothing all the way back in the 1940s? Who knows? The photo went absolutely viral some time around 2010, with the man in question becoming dubbed the “Time Traveling Hipster.”

What’s fun about this one is that, time traveler or not, it’s a real photo. The man certainly stands out from his cohorts – he’s wearing sunglasses, possibly a hoodie or light jacket, and what appears to be a branded t-shirt. He’s also holding a relatively small camera. Was he simply ahead of his time? Or out of it? We can’t be sure, but but the story of this photograph is one to remember. Next!

Lights! Camera! Action!

Next up we have two, count them two, short videos which many claim show time travelers unwittingly caught in the act of…talking on the phone!

Indeed, smartphones are the bane of any would-be time traveling tourist, as they seem like the most obvious thing to be spotted in photos, videos, and even paintings .

The above video, uploaded October 27, 2010, currently has over 4.3 million views, and contains a clip from a special feature found on the DVD edition of the Charlie Chaplin film The Circus. It’s of the movie’s premiere at Grauman’s Chinese Theatre in 1928.

But what’s so special about it? What’s worth 4.3 million views on YouTube? Well, you see that woman in the dark coat walking behind zebra? What’s she holding up to their ear? Is it a cellphone? Or was she just scratching her head, like the rest of us?

Meanwhile, from over in 1938 Massachusetts, we have the following video that some also suggest proves the existence of smartphones long before their time (or have at least mused about the possibility). A crowd of people exit a DuPont factory, and one woman is seen holding something to her ear.

Smartphones, brushes, other handheld rectangular objects of a dubious nature. Our universe is one filled with mystery, and some questions may forever remain unanswered. Onward!

A Compact Disc Case In The 1800s?

A painting from the 1800s appears to show a man holding what some have described as a fancy CD box. You can see another man depicted to be lifting up what looks like a square plastic “sleeve” that you’d place individual CDs into. The earliest form of plastic didn’t exist until the mid-1800s, and Compact Discs wouldn’t arrive on the scene until the 1980s.

Of course, it’s possibly this is just an ordinary box made for ordinary 1800s-era items.

Safety Not Guaranteed?

In 1997, an unusual classified ad appeared in Backwoods Home Magazine:

“WANTED: Somebody to go back in time with me. This is not a joke. P.O. Box 322, Oakview, CA 93022. You’ll get paid after we get back. Must bring your own weapons. Safety not guaranteed. I have only done this once before.”

As you can imagine, some people found that odd, and it naturally wound up on the Internet. In 2012, they even made a film based on it called, well, Safety Not Guaranteed .

The Time Slip Hotel: Proof That Even Buildings Time Travel?

It’s not unusual to, on occasion, find yourself at what you might describe as a “strange” place, especially if you happen to be in a country you’ve never visited before. Two couples who vacationed to Spain in the late 1970s know this all too well. In fact, their story has become something of a time slip legend.

In 1979, they were on their way to Spain, leaving England and venturing through France. While near Montelimar, they decided to stop and search for a hotel. Their original choices were packed, but eventually they did find one — an odd place, an old two-story building with the simple word “HOTEL” above the entrance.

They got a room, and stayed for the night, despite everything seeming particularly old-fashioned. The bed was hard, the place didn’t have a telephone, and there was no glass in the windows. Likely out of bemusement, they took a number of photographs.

When they went down to the dining room the next morning, they had a chance to see the hotel’s other customers. They too looked strangely out of place, dressed in outmoded clothing, two in old uniforms. Strangest of all was the bill for their stay — 19 francs, far less than they had anticipated.

All in all, it was a somewhat strange experience, but not unpleasant. They’d found a place to rest for the night, and continued on their way to Spain, where they presumably had a decent time. It wasn’t until they returned to France and looked for the hotel again that they knew something was truly amiss.

The hotel didn’t exist.

This wasn’t a matter of the hotel simply shutting down, or their being unable to find it again. It simply was not there. They even asked around in Montelimar, and no one had ever heard of it.

When they returned to England, the mystery deepened: Their photographs of the hotel were gone. Not only was there no proof that the hotel existed, but there was no proof that they’d ever been there at all.

Their odd tale was later featured on an episode of the television series Strange But True .

Is One Man’s Near Miss Proof of Time Travel?

In 2019, a very curious video from Turkey showed a man nearly meeting his fate, only to be saved in the strangest way by a mysterious passerby.

According to Demirören News Agency , the event happened in late February in the Turkish city of Adana. Serdar Binici was standing outside of his store when another man, who happened to be walking by, tapped his left shoulder.

Binici, for reasons even he claims to not understand, instinctively looked over to his right, and in that moment a truck drove by, and its rear metal door swung open toward his head. Binici was able to move out of the way just in time.

The story was featured by news outlets in Turkey, and was eventually shared on Reddit .

During a follow-up interview, Binici questioned how and why the events played out as they did. Why did he look over his opposite shoulder, and not the one he’d been tapped on? Why did the stranger tap his shoulder at all? Binici supposes the stranger may not, himself, know why any of this happened. Perhaps, he thinks, it was all some kind of divine intervention.

However, the peculiarity of this video has led many to speculate that the passing stranger wasn’t just some random person, but actually a time traveler — possibly one on a mission from the future, striving to put right what once went wrong. Could this incident be yet more proof of real time travel?

Somewhere In Time

Even if these stories and strange photographs are not evidence of anything, these tales are part of our shared paranormal folklore, and have become online urban legends. Some, like the tale of Rudolph Fentz, date back decades. And while others are easily disproved, they stand as fun little anecdotes that do make you wonder, what if?

At the end of the day, it’s all just a bunch of wibbly-wobbly, timey-wimey…stuff. Best not to take it too seriously. Still, if you’re looking for more on possible time travelers, consider checking out the following:

• Rudolph Fentz , an accidental time traveler from a series of short stories
• John Titor , the alleged time traveler from 2036
• The HDR , an alleged time traveling device powered by crystals
• A Wormhole Under A Kitchen Sink?

Rob Schwarz

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Scientists spot more Milky Way-like galaxies in early universe

The study advances our understanding of how galaxies were formed..

University of Missouri scientists are peering into the past and uncovering new clues about the early universe. Since light takes a long time to travel through space, they are now able to see how galaxies looked billions of years ago.

In a new study, the Mizzou researchers have discovered that spiral galaxies were more common in the early universe than previously thought.

"Scientists formerly believed most spiral galaxies developed around 6 to 7 billion years after the universe formed," said Yicheng Guo, an associate professor in Mizzou's Department of Physics and Astronomy and co-author on the study. "However, our study shows spiral galaxies were already prevalent as early as 2 billion years afterward. This means galaxy formation happened more rapidly than we previously thought."

This insight could help scientists develop a better understanding of how spiral galaxies such as the Milky Way, Earth's home galaxy, formed over time.

"Knowing when spiral galaxies formed in the universe has been a popular question in astronomy because it helps us understand the evolution and history of the cosmos," said Vicki Kuhn, a graduate student in Mizzou's Department of Physics and Astronomy who led the study. "Many theoretical ideas exist about how spiral arms are formed, but the formation mechanisms can vary amongst different types of spiral galaxies. This new information helps us better match the physical properties of galaxies with theories -- creating a more comprehensive cosmic timeline."

Using recent images from NASA's James Webb Space Telescope (JWST), the scientists found that nearly 30% of galaxies have a spiral structure about 2 billion years after the universe formed. The discovery provides a significant update to the universe's origin story as previously told using data from NASA's Hubble Space Telescope.

Studying distant galaxies with JWST gives Guo, Kuhn and other scientists an opportunity to solve a cosmic puzzle by determining the meaning of each clue.

"Using advanced instruments such as JWST allows us to study more distant galaxies with greater detail than ever before," Guo said. "A galaxy's spiral arms are a fundamental feature used by astronomers to categorize galaxies and understand how they form over time. Even though we still have many questions about the universe's past, analyzing this data helps us uncover additional clues and deepens our understanding of the physics that shaped the nature of our universe."

"JWST Reveals a Surprisingly High Fraction of Galaxies Being Spiral-like at 0.5 ≤ z ≤ 4," was published in The Astrophysical Journal Letters. Additional co-authors are Alec Martin, Julianna Bayless, Ellie Gates and AJ Puleo. This project was supported by University of Missouri Research Council grants and the Missouri Space Grant Consortium.

This study was presented by Kuhn at the 244th meeting of the American Astronomical Society in Madison, Wisconsin.

• Astrophysics
• Space Telescopes
• Space Exploration
• Large-scale structure of the cosmos
• Spitzer space telescope
• Galaxy formation and evolution
• Hubble Deep Field
• Shape of the Universe
• Edwin Hubble

Story Source:

Materials provided by University of Missouri-Columbia . Note: Content may be edited for style and length.

Related Multimedia :

• Some of the spiral galaxies studied

Journal Reference :

• Vicki Kuhn, Yicheng Guo, Alec Martin, Julianna Bayless, Ellie Gates, AJ Puleo. JWST Reveals a Surprisingly High Fraction of Galaxies Being Spiral-like at 0.5 ≤ z ≤ 4 . The Astrophysical Journal Letters , 2024; 968 (2): L15 DOI: 10.3847/2041-8213/ad43eb

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'Weird' new planet retains atmosphere despite nearby star's relentless radiation

by Johns Hopkins University

A rare exoplanet that should have been stripped down to bare rock by its nearby host star's intense radiation somehow grew a puffy atmosphere instead—the latest in a string of discoveries forcing scientists to rethink theories about how planets age and die in extreme environments.

Nicknamed "Phoenix" for its ability to survive its red giant star's radiant energy, the newly discovered planet illustrates the vast diversity of solar systems and the complexity of planetary evolution—especially at the end of stars' lives.

The findings are published in The Astronomical Journal .

"This planet isn't evolving the way we thought it would, it appears to have a much bigger, less dense atmosphere than we expected for these systems," said Sam Grunblatt, a Johns Hopkins University astrophysicist who led the research. "How it held on to that atmosphere despite being so close to such a large host star is the big question."

The new planet belongs to a category of rare worlds called "hot Neptunes" because they share many similarities with the solar system's outermost, frozen giant despite being far closer to their host stars and far hotter.

Officially named TIC365102760 b, the latest puffy planet is surprisingly smaller, older, and hotter than scientists thought possible. It is 6.2 times bigger than Earth, completes an orbit around its parent star every 4.2 days, and is about six times closer to its star than Mercury is to the sun.

Because of Phoenix's age and scorching temperatures, coupled with its unexpectedly low density , the process of stripping its atmosphere must have occurred at a slower pace than scientists thought possible, the scientists concluded. They also estimated that the planet is 60 times less dense than the densest "hot Neptune" discovered to date, and that it won't survive more than 100 million years before it begins dying by spiraling into its giant star.

"It's the smallest planet we've ever found around one of these red giants, and probably the lowest mass planet orbiting a [red] giant star we've ever seen," Grunblatt said. "That's why it looks really weird. We don't know why it still has an atmosphere when other 'hot Neptunes' that are much smaller and much denser seem to be losing their atmospheres in much less extreme environments."

Grunblatt and his team were able to gain such insights by devising a new method for fine-tuning data from NASA's Transiting Exoplanet Survey Satellite. The satellite's telescope can spot low-density planets as they dim the brightness of their host stars when passing in front of them. But Grunblatt's team filtered out unwanted light in the images and then combined them with additional measurements from the W.M. Keck Observatory on Hawaii's Maunakea volcano, a facility that tracks the tiny wobbles of stars caused by their orbiting planets.

The findings could help scientists better understand how atmospheres like Earth's might evolve, Grunblatt said. Scientists predict that in a few billion years the sun will expand into a red giant star that will swell up and engulf Earth and the other inner planets.

"We don't understand the late-stage evolution of planetary systems very well," Grunblatt said. "This is telling us that maybe Earth's atmosphere won't evolve exactly how we thought it would."

Puffy planets are often composed of gases, ice, or other lighter materials that make them overall less dense than any planet in the solar system. They are so rare that scientists believe only about 1% of stars have them.

Exoplanets like Phoenix are not as commonly discovered because their smaller sizes make them harder to spot than bigger, denser ones, Grunblatt said. That's why his team is searching for more of these smaller worlds. They already have found a dozen potential candidates with their new technique.

"We still have a long way to go in understanding how planetary atmospheres evolve over time," Grunblatt said.

Journal information: Astrophysical Journal , Astronomical Journal

Provided by Johns Hopkins University

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Unconventional Sex Let Anglerfish Conquer the Deep Ocean

During a chaotic period some 50 million years ago, the strange deep-sea creatures left the ocean bottom and thrived by clamping onto their mates.

A female anglerfish, with a bioluminescent lure, in waters off Hawaii. Credit... Doug Perrine/Alamy

Supported by

By William J. Broad

• May 30, 2024

How did the ghoulish creatures known as anglerfish pull off the evolutionary feat that let them essentially take over the ocean’s sunless depths?

It took peculiar sex — extremely peculiar sex.

Scientists at Yale University have discovered that a burst of anglerfish diversification began some 50 million years ago as the ancestral line developed a bizarre strategy to ensure successful reproduction in the dark wilderness.

To mate, tiny males would clamp with sharp teeth onto the bellies of much larger females. Some males would let go after mating while others would permanently fuse into the females. The males that stayed attached became permanent organs for sperm production.

“We found that a cascade of traits, including those required for sexual parasitism, allowed anglerfishes to invade the deep sea,” Chase D. Brownstein , a graduate student in the ecology and evolutionary biology department at Yale who was the study’s lead author, said in a news release.

Today, there are more than 300 species of anglerfish, which makes them the most varied family of vertebrates in the ocean’s lightless zone. The region starts about 1,000 feet down — just beneath the photic zone, which gets enough sunlight to support photosynthesis and most of the sea’s plants — and descends for miles. The team’s study was published last week in the journal Current Biology.

Finding a mate in the deep sea can be extremely difficult because of the environment’s incomprehensibly vast size. By some estimates, the dark zone amounts to more than 97 percent of the planetary space inhabited by living things, mainly because the ocean plunges to a maximum depth of nearly seven miles. In contrast, land habitats make up less than 1 percent of the planet’s biosphere because the band of life is so narrow, making its volume quite small.

The anglerfish’s bizarre mating routine is seen as counteracting the otherwise slim chances of finding a mate in the world’s largest ecosystem. It is the only known vertebrate that employs sexual parasitism, and that gave it an evolutionary edge.

Over time, the male can physically fuse with the female, connecting to her skin and bloodstream. Eventually, he loses his eyes and all internal organs except for his testes. A female can carry several males on her body.

The Yale team documented how immune systems that attack foreign threats changed over time so the female hosts would not reject the parasitic males.

Anglerfish get their name from how females use rodlike appendages with glowing tips to lure prey into their needlelike teeth. They’re fish that fish . Their mouths are so large and their bodies so flexible that they can swallow prey up to twice their size.

The Yale team used fossils and genetic data from more than 100 living anglerfish species to determine that the burst of diversification came during a major global heat spike between 50 million and 35 million years ago. The world’s oceans were thrown into turmoil, and the bottom-walking ancestors of the anglerfish began to explore the wider oceanic world.

“It happened in the blink of an evolutionary eye about 50 million years ago,” Mr. Brownstein said in an interview. “It was like whales going back into the ocean. It was amazing.”

The team found that, simultaneously, the fish developed their unusual reproductive skills. It was unable to determine which came first — temporary or permanent attachment.

Some female anglerfish can grow quite large, reaching more than three feet in length, but most are smaller. The free-swimming males typically are a few inches long.

How do they find the females in the perpetual darkness of the deep sea?

Mr. Brownstein said the males have enlarged nasal organs that are thought to let them follow faint trails of female pheromones through the darkness in order to find their partner.

“You sniff out your mate, literally,” he said.

William J. Broad has reported on science at The Times since 1983. He is based in New York. More about William J. Broad

Explore the Animal Kingdom

A selection of quirky, intriguing and surprising discoveries about animal life..

Scientists expect the large, brightly colored joro spider to arrive in the Northeast sometime this year. Here’s what to know about these spider invaders .

Wombats build extensive burrow networks  and don’t seem to mind when other woodland creatures use them as flameproof bunkers, offering a possible way for other animals to survive wildfires.

An analysis of elephant calls using an A.I. tool suggests that the animals may use and respond to individualized rumbles .

How did the ghoulish creatures known as anglerfish pull off the evolutionary feat that let them essentially take over the ocean’s sunless depths? It took extremely peculiar sex .

The Lord Howe Island stick insect vanished from its home, but an effort at zoos in San Diego and Melbourne highlights the possibilities and challenges  of conserving invertebrate animals.

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Film review: ‘tuesday,’ with julia louis-dreyfus, is strange, emotional and fiercely original.

• By Lindsey Bahr / AP

Death has taken many forms in cinema. It’s been Bengt Ekerot. Ian McKellen. John Cleese. Even Brad Pitt with blonde highlights. But in Tuesday, filmmaker Daina O. Pusic’s bold, fantastical and affecting debut, death looks like a lot like a macaw that’s seen better days.

Covered in a thick layer of grime and oil with patches of feathers missing, Tuesday’s Death can be as big as a room or as small as an ear canal. Its booming, gravelly voice (that of actor Arinze Kene) sounds ancient and otherworldly. And it all adds up to something profoundly unsettling. Not exactly a comforting welcome into the afterlife, or whatever comes next.

Tuesday is about death and acceptance, between a mother and her dying daughter. But this is no Hallmark affair fitting for a sympathy card. It is prickly, wry, somewhat unsentimental, a bit gritty and awfully painful at times. Or maybe it’s just uniquely British. And you may just find yourself in a puddle of your own tears as a result.

Lola Petticrew in a scene from Tuesday.

Now, in terms of cinematic emotional blackmail, a parent coming to terms with a child’s imminent death is pretty much in the red zone. That sort of setup could produce involuntary tears from an audience regardless of the level of talent involved. Thankfully for us, there is immense creativity and vision both in front of and behind the camera, including not just the writer-director but the special effects experts responsible for Death as well as the haunting and innovative sound design.

Lola Petticrew plays the titular Tuesday, a teen with a “Breathless” pixie cut, a love of jokes and rap music and a terminal illness that has bound her to an oxygen tank and the use of a wheelchair. Her mother, Zora ( Julia Louis-Dreyfus ), has entirely disconnected from the situation. She tiptoes around the house waiting for the nurse, Billie (a lovely Leah Harvey), to do the caretaking. She stays out all day, pawning household items for cash to pay for the care, ignoring Tuesday’s calls and occasionally falling asleep on park benches. At home, she doesn’t want to talk to Tuesday about anything real — the death, her job, their precarious financial position — it’s all been deeply repressed and compartmentalized and is making everyone crazy.

The day we meet Zora and Tuesday is the day Death arrives. Billie has left Tuesday on the patio for just a minute to start a bath. All of a sudden, the girl who was just joking around is having an episode, gasping for air, when the macaw lands by her side. Death is actually the first character introduced, in an unnerving series of deaths setting an ominous tone that will loom throughout. Some are ready to go, begging for relief. Some are just scared. And all have the same outcome once he’s put his wing around them.

Lola Petticrew, left, and Julia Louis-Dreyfus in a scene from Tuesday.

Tuesday, however, decides to tell a joke. This disarms Death (who bursts out laughing) and suddenly they’re in conversation together. She gives him a bath, puts on some music and asks a favor: She’d like to say goodbye to her mom first. Death obliges.

Of course the story both is and isn’t that simple. Tuesday becomes some strange combination of body horror, fairy tale, domestic drama and apocalypse thriller. It is weird and transfixing — never predictable and never boring. Louis-Dreyfus is both chilling and deeply empathetic as this woman who has been paralyzed by grief even before it’s happened. She seems to be preparing for her own death in a way, unable and unwilling to process a life without her daughter who, at this point, doesn’t even realize that her mother still loves her. Petticrew holds her own, going head-to-head with Louis-Dreyfus at her cruelest, exhibiting a wisdom beyond her years and fitting of a person who’s had to grow up and face death far too early.

Tuesday is ultimately a cathartic affair, whether death is top of mind at the moment or not. And it announces the arrival of a daring filmmaker worth following.

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'Time traveller' returns from 2671 to warn of 'disasters' - including one this weekend

"Time traveller" Eno Alaric, who is also known as @radianttimetraveller on TikTok, claims to have returned from the year 2671 and is warning the world of pending disasters including one this weekend

• 13:06, 12 Feb 2024
• Updated 14:11, 12 Feb 2024

A self-proclaimed “time traveller” claims to have returned from the year 2671 to warn of us of pending disasters including one this weekend.

Eno Alaric, who is also known as @radianttimetraveller on TikTok , has built up a following of more than 826,000 followers as he tells of looming catastrophes that are set to affect the world.

The social media user has previously issued warnings about twin planets colliding with Earth, alien visitors and even the start of World War 3. And this time he is advising of further bizarre and sometimes horrific events that he claims will happen including an earthquake and a “Pandora’s Box” that will take people to another universe.

But before that the time traveller is saying that there will be a devastating tornado, the first ever force six, that will hit Houston in Texas and will be the worst ever to affect humans.

He starts off by stating: “Attention, yes I am a real time traveller, these are major events to come in the rest of 2024.” And then he leads into the events: “Part 1. February 17: The first ever f6 tornado occurs, hitting Houston, Texas. It destroys almost the entire city, making it the worst tornado in history of mankind.

“March 28: An ancient artifact is found, when touched, it sends you to another universe. It’s called ‘Pandora’s Box’, the universes can be very similar, or completely different, like people being dorito shaped. April 2: A 9.8 magnitude earthquake, called Big John, occurs on the San Andreas fault. Soon after this, a 750ft high tsunami hits the California coastline, many large cities are in ruins, including San Francisco.

“May 15: An alien lands on Earth known as ‘The Champion’, he is here to take 10000 people to another habitable planet. He was here once before and has returned to try to save us from The 47, they will be chosen randomly.

His predictions have gone viral with more than 39,000 likes and 2,237 people commenting on them. Many have referred to his warning for the hurricane to hit Houston with one person writing: “I live in Houston and do not approve of this message,” and another said: “I don’t think you have any idea of how big Houston really is.”

There have been plenty of skeptics with one comment: “Please make a video of all your predictions that have come to pass” and a further said “They only share bad things. Why not share some positive.” And another added: “How come no time traveller can ever share the winning lottery numbers?”

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Best travel credit cards of June 2024

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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 for luxury hotel perks: 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 savers: 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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• Expert advice on travel cards

How we assess the best travel credit cards

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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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

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

21.49% - 28.49% Variable

• 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

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

Earn 75,000 miles

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

19.99% - 29.99% (Variable)

• 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 80,000 points

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.

See Pay Over Time APR

• 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

20,000 miles

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.

60,000 Membership Rewards® Points

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

70,000 bonus points

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.

21.24% - 29.24% (Variable)

• 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.

25,000 points

• 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.

19.24% - 29.24% Variable APR on purchases and balance transfers

• 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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.

22.49% - 29.49% Variable

• 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

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

75,000 miles

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.

Up to $300 cash back

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

20.49% - 29.24% Variable

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

21.24%, 26.24%, or 29.99% Variable APR

• 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 70,000 points

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.

20.99%-29.99% Variable

• 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 for luxury hotel perks

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 95,000 Marriott Bonvoy bonus points

• 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.
• 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.

20,000 bonus points

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

20.24%, 25.24%, or 29.99% Variable APR

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

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

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

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

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

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

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

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• Enjoy your first checked bag free on Delta flights.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

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

Earn 85,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

• You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
• Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
• Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
• It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

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

60,000 points

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.

21.24% - 29.24% Variable APR on purchases and balance transfers

• 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.

Discover Match®

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

18.24% - 28.24% Variable APR

• 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.

29.74% Variable

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

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

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

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

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

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

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

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

Pros and cons of travel credit cards

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

Tips on choosing the best travel credit card for you

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

How to choose a travel credit card

1. know how you prefer to travel.

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

2. Prioritize redemption value

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

3. Match your card to your spending habits

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

4. Note what's worth the extra money

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

5. Look toward your next trip abroad

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

Co-branded travel cards vs. general travel cards

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

• Co-branded cards
• General travel cards

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

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

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

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

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

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

Who should get a travel credit card?

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

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

Frequent travelers

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

Travel beginners

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

Brand loyalists

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

Business travelers

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

International travelers

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

Luxury travelers

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

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

Here’s how a Bankrate editor chose his travel card

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

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

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

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

Travel insurance

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

Travel credits

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

In-flight perks

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

Free hotel award nights

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

Airport lounge access

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

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

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

What people say about travel credit cards perks

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

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

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

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

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

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

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

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

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

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

What are your points and miles worth?

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

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

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

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

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

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

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

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

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

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

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

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

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

When to use rewards vs. cash

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

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

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

Bankrate experts share their advice on using travel credit cards

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

Combine cards to maximize rewards

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

Expert Insight:

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

Maximize your rewards value with transfer partners and issuer travel

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

Expert Insight

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

Make the most of your travel perks

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

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

Plan for the sign-up bonus

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

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

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

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

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

Track your spending and rewards each account statement

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

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

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

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

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

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

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

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

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

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

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

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

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

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

This includes the following spending by category:

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

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

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

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

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

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

Reasonable rates and fees

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

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

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

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

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

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

Redemption flexibility

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

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

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

Valuable perks

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

We break down these tiers as follows:

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

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

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

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

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

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

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

Do travel miles or points expire?

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

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

Are points or miles better on a credit card?

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

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

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

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

Contributor, Personal Finance

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

Contributor, Credit Cards

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

Article sources

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

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

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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.