Whether or not you journey regularly or are planning your first trip in a very long time, you may doubtless profit from having a number of journey bank cards.
These playing cards show you how to earn useful rewards that you could redeem to make your journey cheaper and extra cozy. Some journey bank cards additionally provide advantages and credit that may get monetary savings and make your journey expertise higher with issues like airport lounge entry, expedited safety screenings and extra.
One other bonus? Most journey bank cards do not cost overseas transaction charges, that means you are not incurring an additional as much as 3% charge for making purchases overseas.
The Capital One Enterprise Rewards Credit score Card was one of many very first journey bank cards I utilized for. Though I nonetheless have my Enterprise card, I’ve additionally added many different journey rewards playing cards — a few of which I focus on beneath — to my pockets because of their various advantages and rewards.
Rewards I’ve earned from journey bank cards have let me get pleasure from premium cabin flights and luxurious resorts for a fraction of the associated fee I might have paid with out these factors and miles. Factors and miles additionally let me journey regularly whereas staying inside my price range. Briefly, journey bank cards may be the important thing to touring extra and/or higher.
The perfect journey bank cards
Evaluating the most effective journey bank cards
This is a fast view of our picks for the most effective journey bank cards.
| Card | Greatest for | Welcome provide | Incomes charges | Annual charge |
|---|---|---|---|---|
| Chase Sapphire Most popular Card | Vacationers | Earn 100,000 factors after spending $5,000 on purchases within the first three months from account opening. |
|
$95 |
| Capital One Enterprise Rewards Credit score Card | Incomes miles on on a regular basis spending | Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening, plus obtain a one-time $250 Capital One Journey credit score to make use of in your first cardholder yr. |
|
$95 |
| The Platinum Card from American Categorical | Journey perks for shoppers | Earn 80,000 factors after spending $8,000 on purchases throughout the first six months of card membership. |
|
$695 (see charges and costs) |
| Capital One Enterprise X Rewards Credit score Card | Simplicity | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
|
$395 |
| The Enterprise Platinum Card from American Categorical | Journey perks for enterprise homeowners | Earn 150,000 factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with the airways or via American Categorical Journey within the first three months of card membership. You may earn certainly one of each of those presents. Provide ends June 30. |
Purchases eligible for a number of extra level bonuses will solely obtain the very best eligible bonus. Phrases apply. |
$695 (see charges and costs) |
| Ink Enterprise Most popular Credit score Card | Enterprise homeowners who journey | Earn 90,000 factors after spending $8,000 on purchases within the first three months after account opening. |
|
$95 |
| Delta SkyMiles Reserve American Categorical Card | Delta Sky Membership entry | Earn 70,000 miles after spending $5,000 on purchases in your first six months of card membership. |
|
$650 (see charges and costs) |
| Delta SkyMiles Gold American Categorical Card | Advantages when flying Delta | Earn 50,000 miles after spending $2,000 on purchases in your first six months of card membership. |
|
$0 introductory annual charge for the primary yr, then $150 (see charges and costs) |
| American Categorical Gold Card | Eating places and U.S. supermarkets | Earn 60,000 factors after spending $6,000 on purchases throughout the first six months of card membership. |
|
$325 (see charges and costs) |
| Capital One VentureOne Rewards Credit score Card | No annual charge | Earn 20,000 miles after spending $500 on purchases throughout the first three months from account opening. |
|
$0 |
Chase Sapphire Most popular Card
Welcome provide: Earn 100,000 factors after spending $5,000 on purchases within the first three months from account opening.
Annual charge: $95.
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Standout advantages: The Chase Sapphire Most popular Card is the cardboard I like to recommend most when talking with vacationers with good to wonderful credit score who’re on the lookout for a brand new journey bank card. The cardboard does not provide advantages like lounge entry or elite standing, but it surely presents bonus factors on spending in fashionable classes like eating, journey and on-line groceries.
Plus, it presents wonderful journey protections, together with journey delay reimbursement and first auto rental protection. After my sister-in-law paid for collision insurance coverage on just a few automobile leases — totaling greater than the Sapphire Most popular’s annual charge — my husband and I insisted she apply for the Chase Sapphire Most popular and use it when renting vehicles as a substitute of paying for the rental firm’s collision insurance coverage.
However my favourite perk is the flexibleness you will get when redeeming Chase Final Rewards factors. I usually joke that my Final Rewards factors are merely ready to grow to be World of Hyatt factors since I really like transferring Chase factors to Hyatt. You may get nice worth when reserving award nights via World of Hyatt for the reason that program nonetheless makes use of an award chart and Class 1 Hyatt motels begin at simply 3,500 factors per evening.
However Chase Sapphire Most popular Card members may switch factors to different companions or redeem factors towards journey booked via Chase Journey at a fee of 1.25 cents every.
To study extra, learn our Chase Sapphire Most popular Card evaluation.
Apply right here: Chase Sapphire Most popular Card
Capital One Enterprise Rewards Credit score Card
Welcome provide: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening, plus obtain a one-time $250 Capital One Journey credit score to make use of in your first cardholder yr.
Annual charge: $95.
Standout advantages: The first good thing about the Capital One Enterprise Rewards Credit score Card is its simplicity for incomes and redeeming. You may earn not less than 2 Capital One miles per greenback spent on purchases and may simply redeem miles for assertion credit to offset current journey purchases.
Nevertheless, I want to switch Capital One miles to Capital One switch companions after I’m able to e-book an award flight or lodge. For instance, I transferred rewards to Avianca LifeMiles to e-book Lufthansa top quality from Frankfurt to Mexico Metropolis final yr. Moreover, I am utilizing Alternative factors — which I might have earned through transferring Capital One miles to Alternative Privileges if I did not have already got sufficient in my account — to remain in Helsinki this April.
To study extra, try our Capital One Enterprise card evaluation and our information on maximizing Capital One miles.
Study extra: Capital One Enterprise Rewards Credit score Card
The Platinum Card from American Categorical
Welcome provide: Earn 80,000 factors after spending $8,000 on purchases throughout the first six months of card membership.
Annual charge: $695.
Standout advantages: The Amex Platinum is the final word shopper journey card. It presents broad lounge entry via its international lounge assortment, together with Centurion Lounges and Delta Sky Golf equipment (as much as 10 visits each Feb. 1 to Jan. 31). This lounge entry — plus the cardboard’s many assertion credit — gives sufficient worth for my husband to maintain this card in his pockets regardless of its hefty annual charge.
He will get as much as $200 again in assertion credit annually on pay as you go American Categorical Effective Lodges + Resorts or The Lodge Assortment bookings via American Categorical Journey (The Lodge Assortment requires a minimal two evening keep). We have used this credit score annually for stays at motels a bit nicer than we usually frequent, comparable to The St. Regis Kuala Lumpur in Malaysia and The Naka Island, a Luxurious Assortment Resort & Spa, Phuket in Thailand. We use our month-to-month as much as $20 digital leisure assertion credit score for Disney+, our as much as $50 biannual Saks assertion credit score for polo shirts and our month-to-month Uber Money for rides or eats within the U.S. (as much as $15 every month and a bonus $20 in December; your Amex Plat have to be added to your Uber account and you may redeem with any Amex card).
However actually, we preserve the cardboard to get him Centurion Lounge entry, as we benefit from the meals, drinks and workspace at these lounges.
Enrollment required for choose advantages.
Try our Amex Platinum Card evaluation to study extra.
Apply right here: The Platinum Card from American Categorical
Capital One Enterprise X Rewards Credit score Card
Welcome provide: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Annual charge: $395.
Standout advantages: As a Capital One Enterprise X cardmember, I obtain $300 in credit towards bookings made via Capital One Journey every account anniversary yr. I often use these credit when reserving flights via Capital One Journey, particularly for the reason that web site’s worth match and worth drop safety options have come in useful on a number of bookings.
I additionally get 10,000 bonus miles yearly, beginning on my first account anniversary. The Capital One Journey credit and bonus miles present me with extra worth annually than the cardboard’s $395 annual charge, so it is simple for me to justify paying the annual charge every time it posts to my account.
The Enterprise X presents a number of different perks I get pleasure from. For instance, I really like incomes not less than 2 miles per greenback spent on purchases, which makes the cardboard my default on a regular basis spending card. I additionally respect how the foods and drinks high quality within the Capital One Lounge at Dallas Fort Value Worldwide Airport (DFW) has remained at a excessive degree even because the lounge has grow to be extra crowded.
To study extra, learn our Capital One Enterprise X card evaluation.
Study extra: Capital One Enterprise X Rewards Credit score Card
The Enterprise Platinum Card from American Categorical
Welcome provide: Earn 150,000 factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with the airways or via American Categorical Journey within the first three months of card membership. You may earn certainly one of each of those presents. Provide ends June 30.
Annual charge: $695.
Standout advantages: Although my husband has the Amex Platinum, I utilized for The Enterprise Platinum Card from American Categorical in 2019. I’ve stored the cardboard ever since for its assertion credit and lounge entry. The lounge entry good thing about this card grew to become extra vital when Amex modified its Centurion Lounge visitor coverage in 2023, as since then, my husband and I’ve every used our personal Platinum Playing cards to get into the lounge.
As for assertion credit (lots of which require enrollment), I’ve loved the brand new as much as $50 per quarter assertion credit score for eligible purchases made with Hilton properties utilizing my card. I used my credit score within the first quarter of 2025 for a keep on the Hampton by Hilton Munich Metropolis Heart East and can use it within the second quarter on the Hilton Tallinn Park in Estonia. I joined the Hilton for Enterprise program to get entry to the $50 per quarter assertion credit and have since discovered this system presents some compelling charges.
I do not use all of the Amex Enterprise Platinum Card’s advantages. For instance, I have already got larger tiers of Marriott Bonvoy and Hilton Honors standing than the Gold standing offered as a perk of my Amex Enterprise Platinum Card. Sadly, my cell service supplier (Google Fi) is not eligible for the as much as $10 per 30 days in U.S. wi-fi phone assertion credit provided by the Amex Enterprise Platinum, and my enterprise does not use Adobe or Certainly (two different corporations for which cardmembers can get pleasure from assertion credit; as much as $150 yearly with Adobe and as much as $90 quarterly with Certainly).
I additionally hardly ever put spending on my Amex Enterprise Platinum Card. Besides, the cardboard’s efficient annual charge is price paying for the lounge entry I obtain since I take advantage of the as much as $200 airline charge assertion credit score every calendar yr for incidental charges with one airline (I select American Airways), the as much as $50 per quarter Hilton Honors assertion credit and the as much as $199 every calendar yr Clear Plus assertion credit score.
To study extra, learn our Amex Enterprise Platinum Card evaluation.
Apply right here: The Enterprise Platinum Card from American Categorical
Ink Enterprise Most popular Credit score Card
Welcome provide: Earn 90,000 factors after spending $8,000 on purchases within the first three months after account opening.
Annual charge: $95.
Standout advantages: The Ink Enterprise Most popular Credit score Card does not have flashy journey perks, but it surely presents 3 factors per greenback spent on the primary $150,000 spent in mixed purchases in choose classes every account anniversary yr. Journey is certainly one of these classes, making the Ink Enterprise Most popular my go-to journey bank card.
Whereas many different journey bank cards provide bonus earnings on flights, motels or when reserving via their journey portal, the journey class on the Ink Enterprise Most popular is broad. So, I can earn 3 factors per greenback on wide-ranging journey bills, together with motels, automobile leases, journey businesses, toll roads, trains and buses.
Plus, I often get nice worth when redeeming Chase Final Rewards factors. World of Hyatt is my most-used Final Rewards switch accomplice, however my husband and I lately transferred Final Rewards to United Airways to e-book a last-minute Aegean Airways flight from Athens, Greece, to Tirana, Albania, for simply 6,000 miles and $33 every.
To study extra, see our Ink Enterprise Most popular card evaluation.
Apply right here: Ink Enterprise Most popular Credit score Card
Delta SkyMiles Reserve American Categorical Card
Welcome provide: Earn 70,000 miles after spending $5,000 on purchases in your first six months of card membership.
Annual charge: $650.
Standout advantages: I’ve by no means critically thought-about making use of for the Delta SkyMiles Reserve American Categorical Card, but when I had been a frequent Delta flyer striving for a particular Delta Medallion standing tier, it will definitely be in my pockets.
Delta Reserve cardmembers get 2,500 Medallion Qualification {Dollars} every Medallion qualification yr. Plus, cardmembers earn 1 MQD per $10 of purchases made with their Delta Reserve card in a calendar yr. These two perks make it simpler to earn and keep Delta Medallion standing.
Cardmembers additionally get pleasure from 15 complimentary visits every Medallion yr to the Delta Sky Membership when flying Delta and may unlock limitless Delta Sky Membership entry via the tip of the subsequent Medallion yr after spending $75,000 on purchases with the Delta Reserve card throughout a calendar yr. Plus, Delta Reserve cardmembers get 4 one-time visitor passes every Medallion yr.
Assertion credit just like the as much as $240 Resy credit score (for purchases at U.S. Resy-affiliated eating places or different Resy purchases), the as much as $120 ride-hailing credit score (on U.S. ride-hailing purchases) and the as much as $200 Delta Stays credit score may present worth. Enrollment required for choose advantages.
The cardboard presents many extra perks, so try our Delta Reserve Amex Card evaluation to see if it is best for you.
Apply right here: Delta SkyMiles Reserve American Categorical Card
Delta SkyMiles Gold American Categorical Card
Welcome provide: Earn 50,000 miles after spending $2,000 on purchases in your first six months of card membership.
Annual charge: $0 introductory annual charge for the primary yr, then $150.
Standout advantages: In case you are paying checked bag charges or stressing about discovering overhead bin area when flying Delta, the Delta SkyMiles Gold American Categorical Card may help. It presents Zone 5 precedence boarding and a primary bag free on Delta flights for you and as much as eight different vacationers in your reservation.
The cardboard additionally presents varied different advantages that present worth. For instance, the TakeOff15 profit means you will routinely pay 15% fewer miles when redeeming for journey on Delta-operated flights. Plus, the cardboard presents a $100 Delta Stays credit score that offers you as much as $100 again per yr as a press release credit score after you employ your Delta Gold Amex to e-book pay as you go motels or trip leases via Delta Stays. In 2024, I used the Delta Stays credit score from one other Delta bank card for a $148 in a single day keep in Male, Maldives, earlier than heading to a personal island resort.
When you absolutely use the Delta Stays credit score annually, the annual charge on the Delta Gold Amex could also be price paying even should you solely use just a few of its different advantages sometimes. See our Delta Gold Amex Card evaluation for extra particulars.
Apply right here: Delta SkyMiles Gold American Categorical Card
American Categorical Gold Card
Welcome provide: Earn 60,000 factors after spending $6,000 on purchases throughout the first six months of card membership.
Annual charge: $325.
Standout advantages: The American Categorical Gold Card is fashionable with many shoppers because of its food-focused advantages and incomes charges.
On the incomes facet, Amex Gold Card members earn 4 factors per greenback spent at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback) and on groceries at U.S. supermarkets (on as much as $25,000 in purchases per calendar yr, then 1 level per greenback). These incomes charges are troublesome to beat, particularly contemplating the caps on incomes are comparatively excessive for many shoppers’ spending patterns.
On the advantages facet, Amex Gold Card members can get pleasure from as much as $10 in Uber Money for U.S. purchases every month (Amex Gold have to be added to your Uber account and you may redeem with any Amex card), as much as $7 in Dunkin’ assertion credit score every month (at U.S. Dunkin’ areas), as much as $10 in assertion credit score every month for purchases with Grubhub, The Cheesecake Manufacturing unit, Goldbelly, Wine.com or 5 Guys, and as much as $100 in assertion credit for U.S. Resy-affiliated and different eligible Resy purchases every calendar yr.
I haven’t got the Amex Gold since I spend important time outdoors the U.S. Though the Amex Gold may be helpful for vacationers, it turns into much less helpful should you spend a lot time overseas that you could’t get good worth from the month-to-month assertion credit (most of which you’ll be able to solely use throughout the U.S.).
Enrollment required for choose advantages.
Nevertheless, the cardboard is fashionable for a motive, so learn our Amex Gold Card evaluation for extra particulars.
Apply right here: American Categorical Gold Card
Capital One VentureOne Rewards Credit score Card
Welcome provide: Earn 20,000 miles after spending $500 on purchases throughout the first three months from account opening.
Annual charge: $0.
Standout advantages: The Capital One VentureOne Rewards Credit score Card enables you to earn transferable rewards with out paying an annual charge. You may earn not less than 1.25 miles per greenback spent on each buy, which is spectacular contemplating the cardboard does not carry an annual charge.
The cardboard presents a 0% introductory annual proportion fee for 15 months on purchases and stability transfers, with a 19.24% to 29.24% variable APR afterward. When you use this provide, make sure you can repay your stability in full by the tip of the introductory APR interval. In any case, the rewards you will earn with this card will not be worthwhile should you pay curiosity and costs.
You may redeem miles you earn along with your VentureOne card to cowl current journey purchases at a fee of 1 cent per mile. Nevertheless, you will doubtless get extra worth once you redeem miles by transferring them to pick airline and lodge loyalty packages.
To study extra, see our Capital One VentureOne card evaluation.
Study extra: Capital One VentureOne Rewards Credit score Card
What to think about when selecting a journey bank card
There’s quite a bit to think about when selecting a brand new journey bank card. Listed here are just a few of the highest elements to think about.
Most popular rewards
Maybe a very powerful facet to think about when selecting a journey bank card is the rewards you will earn. Most journey bank cards earn lodge factors, airline miles or transferable rewards.
Whereas one of the best ways to redeem lodge factors and airline miles is often with a particular program — for instance, one of the best ways to redeem Delta miles is for award flights booked via the Delta SkyMiles program — transferable rewards provide you with extra flexibility. You may often redeem versatile rewards at a set fee for assertion credit or journey reserving, however you too can switch your rewards to pick lodge and airline loyalty packages.
This capability to switch rewards comparable to Amex Membership Rewards factors, Capital One miles and Chase Final Rewards factors to different packages — usually at a 1:1 ratio — lets me keep away from devaluation in a particular program by ready till I wish to e-book a particular award flight or evening earlier than I switch my factors or miles.
Advantages
One other vital facet to think about when selecting a journey card is its advantages. For instance, I renew my Amex Enterprise Platinum Card annually not for the rewards I earn when making purchases with it however for the advantages it gives. Particularly, I get a variety of worth from the lounge entry I get pleasure from as a good thing about my varied journey playing cards.
Advantages may be notably compelling with lodge bank cards, lots of which provide elite standing and a free evening certificates annually once you renew. In lots of circumstances, the free evening certificates can provide extra worth than the cardboard’s annual charge. Likewise, airline bank cards often provide perks like a complimentary checked bag, earlier boarding and an elite standing increase.
Welcome bonus
If you are going to apply for a brand new journey bank card, it is price contemplating the welcome bonus. You may select a card primarily based on the presently out there welcome bonuses. Or, you would wait to use for a card when it is providing an elevated limited-time provide. You may additionally test CardMatch to see whether or not you are presently focused for particular presents.
Associated: The perfect bank card welcome bonuses
Spending habits
Take into account how properly a journey bank card’s bonus classes match your spending habits. Particularly, think about what kinds of purchases you would be placing on the cardboard should you had been to use. Additionally think about whether or not you’d be capable to spend sufficient on the cardboard throughout the first few months after you signal as much as meet the minimal spending necessities for the welcome bonus.
Annual charge
Lastly, you will doubtless additionally wish to think about the annual charge when selecting a journey bank card. Particularly, think about whether or not the earnings and advantages you will get will present extra worth than the price of the annual charge. When you do not imagine you will get sufficient worth from the advantages and earnings, then the cardboard doubtless is not match for you.
How we selected the most effective journey bank cards
TPG selected the most effective journey bank cards primarily based on a number of components, together with incomes charges, advantages, welcome bonuses and the general worth we anticipate a shopper can get hold of by having and utilizing the cardboard.
Try our evaluation methodology to study extra about how TPG selected playing cards to spotlight on this article and comparable articles.
Redemption choices for journey bank cards
Your redemption choices will rely in your particular journey bank card, however it’s best to often redeem lodge factors for lodge stays and airline miles for award flights.
Transferable rewards like Chase Final Rewards factors have extra redemption choices. I extremely advocate researching and understanding the other ways to redeem — and calculating the cents per level you’d get through every redemption methodology — earlier than redeeming any rewards. However know that, typically, you will wish to redeem transferable rewards by transferring them to airline or lodge companions. Check out TPG’s month-to-month valuations and intention to get not less than our valuation in worth when redeeming.
My go-to switch accomplice for Chase Final Rewards is World of Hyatt. I’ve transferred Chase factors to Hyatt to e-book aspiration stays at Miraval Austin, Alila Kothaifaru Maldives and Park Hyatt Maldives Hadahaa.
However I’ve gotten excessive redemption charges even when redeeming Hyatt factors for lower-category stays. For instance, I booked 5 off-peak nights on the Class 1 Story Lodge Signalfabriken in Sweden, which price $1,012 or 17,500 factors, giving me a redemption fee of 5.78 cents per level. I additionally booked 5 peak nights on the Class 1 Hyatt Regency Cape City, which price $2,086 or 32,500 factors, giving me a redemption fee of 6.42 cents per level.
Briefly, transferable factors can allow you to journey higher and/or with extra consolation with out paying more cash.
Backside line
Journey bank cards have let me unlock elite standing, perks and award redemptions that in any other case would not be potential. Take into account what perks or rewards foreign money you need when deciding which journey bank card to use for. Be sure you think about all of your redemption choices earlier than you redeem, retaining TPG’s valuations in thoughts to evaluate whether or not you are getting good worth out of your redemption.
Associated: Why transferable factors and miles are price greater than different rewards
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Enterprise Platinum Card, click on right here.
For charges and costs of the Delta Reserve Amex Card, click on right here.
For charges and costs of the Delta Gold Amex Card, click on right here.
For charges and costs of the Amex Gold Card, click on right here.