ama travel credit

Don’t Get Tripped Up by a Trip Cancellation

It’s the night before you and your best friend are to depart on a dream vacation: a 10-day African safari. She calls you but her voice is quivering on the other end of the phone line. Sadly, her father has had a heart attack; she can’t go on the trip. You understandably want to stay back too: Your friend needs your support, and it wouldn’t be much of a vacation without her.

“A family member’s death or medical emergency is one of the main reasons people cancel travel plans,” says Pam Murray, insurance sales manager at AMA Travel. It’s the sort of scenario that trip cancellation and interruption insurance was designed for—whether you buy a policy through a travel agent or use coverage that’s built into your credit card.

But here’s the thing: It wasn’t your family member who had the heart attack. That’s where insurance from AMA Travel* goes above and beyond. It covers for the illness, injury or death of a large part of your family tree as well as your travelling companion’s immediate family. Credit card policies, on the other hand, typically have a much more limited scope.

MORE TO READ How AMA Travel provides seamless assistance if your vacation plans change

If you do cancel, AMA Travel covers non-refundable costs up to the amount of insurance coverage you’ve purchased. So if you insured your African trip for $10,000, you’ll be reimbursed up to that amount—minus any refunds from the safari tour operator. Many credit cards set their max payout much lower, often at just $1,000.

Here’s another scenario: You’ve booked a Caribbean cruise with flights from Edmonton to Miami, via Toronto. Your departure from Edmonton is delayed due to a snowstorm in Toronto and you won’t make it to Florida in time to board the ship. But once you do get to Miami, AMA Travel’s insurance will cover the costs of catching up to the ship at its next port, and your missed day of the cruise.

You could also contact your experienced AMA Travel counsellor, who may be able to book you on a new flight and get you to your destination on time. “Our interruption and delay benefits provide up to $2,500 for things like plane tickets, hotel rooms and meals,” Murray says. “That coverage amount opens up more options for travellers. You don’t have to be worried about what you can afford.”

MORE TO READ What you need to know about Canada’s proposed air-passenger rights

Family medical emergencies and flight delays are just two of the 30-plus scenarios covered with AMA Travel. Others include government-issued travel advisories, a disaster at your home (like a fire or break-in), loss of employment and even jury duty. The number of situations most credit cards cover? Usually about a dozen—which means you have more than 20 additional reasons for trusting AMA Travel to protect your next trip of a lifetime.

AMA TRAVEL VS. CREDIT CARDS What you get with AMA Travel over typical credit card policies:

Who’s “family”? Cards : Spouse, dependent children, family members who live in the same household AMA Travel : From grandparents to grandchildren, out to but not including cousins

Cancellation coverage Cards : Reimburses non-refundable costs, to a maximum that can be as low as $1,000 AMA Travel : Reimburses non-refundable costs up to the amount your trip is insured for

Interruption/delay coverage Cards : $250 per day, to a maximum of $500 for delay AMA Travel : Up to $2,500 to get you home or to catch up with your tour due to a delay

GET A QUOTE Get a travel insurance quote in two minutes at AMATravel.ca/TravelInsurance

*AMA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. Subject to certain terms, conditions and limitations.

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Annual Travel Credit How will you spend yours?

If your American Express® Card is eligible for an Annual Travel Credit*,

you can use your credit towards eligible bookings for flights, hotels

or even car rentals at American Express Travel Online .

How to use your Annual Travel Credit

Step 1: Log in

Log in to your American Express account. If eligible & unused, your available Annual Travel Credit amount is in the top right corner of the page along with the Terms and Conditions and Policies

Step 2: Search

Begin your travel search through the American Express Travel Online website. Your available payment options will be displayed in the results.

Step 3: Apply Credit

On the checkout page, redeem your Annual Travel Credit by selecting the ‘$$$ Annual Travel Credit’ button on the checkout page. Your credit can only be used in one single booking. Minimum spend required. Terms apply.

Step 4: Book Trip

Book your trip using a combination of your Annual Travel Credit, American Express Membership Rewards points, and your American Express Card.

See where your Annual Travel Credit

can take you

More about your Annual Travel Credit

If eligible, your Annual Travel Credit is issued each year based on your Cardmembership anniversary date. It must be redeemed within the same anniversary year, and it cannot be carried forward to any subsequent year.

Your Annual Travel Credit can be used towards a single travel booking equal to or more than the value of your Travel Credit.

When you use your Annual Travel Credit, the full dollar amount will be charged to your American Express Card at the time of booking and it will take 2 business days for the credit to appear on your account.

Your Annual Travel Credit can be used towards flights (including the International Airline Program), hotels (including Fine Hotel + Resorts and The Hotel Collection bookings) and car rentals.

Why book with Amex Travel?

Rediscover local getaways

Frequently Asked Questions

When will my Travel Credit expire?

Please log on to your American Express online account to check the expiry date for your Travel Credit.

Can I redeem my Travel Credit for a booking of less than the value of Travel Credit?

No, you will not be able to redeem your Travel Credit for a booking of less than the value of the Travel Credit.

Is there an additional fee or charge for using my Membership Rewards points and/or Travel Credit to book travel?

No, there is no additional fee to redeem points or Travel Credit for travel booked on American Express Travel Online.

Can I pay for my booking using my Travel Credit and my Membership Rewards points?

Yes, to use your Travel Credit you must be logged on to your American Express online account. On the checkout page, redeem your Annual Travel Credit by selecting the ‘$$$ Annual Travel Credit’ button, and make sure that your payment amount on your Card is equal to or more than the total value of your Travel Credit (for example, you can use a $200 Annual Travel Credit towards a single travel booking of $200 or more). You may also use your Membership Rewards points by dragging the slider to the amount of points that you want to redeem.

Can I redeem multiple Travel Credits for a single booking?

No, you can only use one Travel Credit per booking.

What happens if I use my Travel Credit to make a booking, and then cancel that booking?

Once the Travel Credit has been applied toward a booking, it counts as a one-time redemption.

Can I use my Membership Rewards points and/or my Travel Credit to purchase travel for my family and friends?

You will need to log on to your American Express online account in order to use Membership Rewards points and/or Travel Credit to purchase travel for your family and friends.

Can I use my Annual Travel Credit on Fine Hotels + Resorts and/or The Hotel Collection bookings?

Yes, your Annual Travel Credit can be used towards Fine Hotels + Resorts and/or The Hotel Collection bookings.

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Reservations and tickets – FAQs

Book and manage your trip.

You can change or cancel your trip online in just a few steps.

Change your trip

Find your trip using your confirmation code or log in to your AAdvantage ® account.
Click 'Change trip' in the menu.
Choose a new flight that works for you. You can change your departure or arrival airport, your departure or arrival date, or both.
Review and confirm your changes.
Check your email for a confirmation of your new flight.

Find your trip

Important information

Basic Economy tickets cannot be changed.*
Travel must be completed within 1 year of the original ticket date.
A difference in ticket price may apply.

*Changes for trips that begin in Europe are allowed with a fee (excludes Finland, Estonia, Latvia and Lithuania).

Cancel your trip

Click 'Cancel trip' in the menu. You'll be prompted to confirm the cancellation.
Click 'Cancel trip' to confirm.
Check your email for your trip cancellation information.
You have up to 24 hours from the time you first buy your ticket for a refund if you booked at least 2 days prior to departure.
Keep the cancellation email if you’re issued a travel credit. It contains the ticket number and original confirmation code you’ll use to rebook a future flight.
If you paid for seats or bags, they are non-refundable if you cancel your flight.

To check your travel credit balance, follow these steps:

AAdvantage® members

Log in to your AAdvantage® account.
Click ‘Travel credit’ in the account summary menu.
View your available travel credit and number available.
Click ‘View details’ for your travel credit balance.

Non-AAdvantage® members

Before you start, you’ll need your confirmation code (also known as a 'Record Locator') or 13-digit ticket number, which begins with '001'.

If you don't know your confirmation code or ticket number, check the email we sent you when you booked your trip, your cancellation email or your credit card statement. Keep in mind that there are separate ticket numbers for add-ons like seats, upgrades and bags.

Go to 'Manage trips / Check-in' on the homepage.
Select 'View travel credits'.
Enter your last name and confirmation code or 13-digit credit / ticket number.
Click the 'Find your trip' button.
View your available travel credit and balance.
Find your travel credit

When you’re ready to book a trip follow these steps.

Find your travel credit or log in to your AAdvantage ® account.
Copy your Trip Credit or Flight Credit ticket number.
Search and choose a flight on aa.com or the American app.
On the payment screen, choose the type of travel credit and follow the steps.

Keep in mind, travel credit can’t be used for extras like seats, upgrades or bags.

Book a trip
Learn more about travel credit

To find your ticket number, check the email we sent you when you booked your trip, your cancellation email, or your credit card statement.

Your ticket number is a unique 13-digit number that identifies your reservation. The first 3 digits of your ticket number are the airline code, which is always ‘001’ for American Airlines.

Example ticket number: 001234567890

When you book a trip on American, you’ll receive a unique 6-digit confirmation code made up of letters. It's also known as a record locator.

Example confirmation code: JCQNHD

You can find your confirmation code on your confirmation email or boarding pass. If you’re an AAdvantage® member, log in to your account and click 'Your trips' from the menu.

Use your confirmation code to:

Manage your trip
Check in for your flight
Get your boarding pass and check bags
Make changes to your flight

You can book a flight up to 2 hours before departure on aa.com or the American app.

If the flight leaves in less than 2 hours, please go to the ticket counter at the airport.

You can book a flight up to 331 days before departure on aa.com or the American app.

You can book up to 9 passengers in one reservation on aa.com or the American app. For groups of 10 or more, contact Group & Meeting Travel. They offer special fares and discounts for group travel.

Learn about Group & Meeting Travel

You will not pay an extra fee to change a reservation made by a travel agency or another website if you change it on aa.com. Once you make changes, any future changes will need to be made on aa.com or through American Reservations.

Learn about reservation service charges

Revenue tickets on partner airlines booked on aa.com or the American app are only available on request because they must be confirmed with the other airline. This can take 24 hours or more. Some airlines may also require you to reconfirm your reservation after booking it on aa.com.

Please check with the airline operating your flight for more information.

Same-day flight change and standby

Learn about same-day flight changes and standby

Same-day flight change allows you to confirm a seat on a different flight on your day of departure on any American Airlines or American Eagle ® flight where eligible seats are available. Your new flight:

Must have the same departure and arrival airports
Can only be confirmed within 24 hours of departure of the desired flight

You can change your trip on aa.com or at the airport.

If you still want to try for a different flight, same-day standby lets you stand by for an earlier American or American Eagle ® flight (with the same route on your day of departure). Unlike same-day flight change, same-day standby doesn’t guarantee a seat on a flight.

Same-day standby allows you to fly on an earlier American or American Eagle ® flight on your day of departure if seats are available. You can request to be added to the standby list on aa.com or at an airport kiosk. Same-day standby does not guarantee a seat on a flight.

If you’re standing by for an earlier flight on your departure day, you'll stay on your original flight until you're confirmed on the earlier flight.

You can guarantee a seat on a different flight if same-day flight change is available. If it’s not available, you may be able to stand by for an earlier flight with same-day standby.

The standby policy applies to travel within and between the U.S., Puerto Rico, U.S. Virgin Islands, the Caribbean or Canada on American or American Eagle ® .

Customers who receive complimentary confirmed same-day flight changes

Request same-day flight changes on aa.com or at the airport.

To stand by for an earlier flight, make your request on aa.com or at a kiosk.

Learn about holding your trip

In select markets you can hold your trip up to 24 hours for free if you're booking your trip 7 days or more before departure.

In select markets look for the “hold” option on the review and pay page when you book an American or codeshare flight on aa.com.

If you held your trip on aa.com, choose “Travel information” at the top of aa.com, then click “Your trips" on the right.

If you're logged in – Select the trip and then choose “Pay for trip” to enter your credit card information.
If you're not logged in – Go to “Manage trips / Check-in” and enter your confirmation code.

No. You may not hold multiple trips to one or more destinations or around the same date or time. We will cancel duplicate trips that are on hold.

No. Trips with an aa.com promotion code are "instant purchase" only.

Customers in Latin America and the Caribbean can hold reservations using express ticket service on aa.com/espanol. Call your local American Airlines Reservations to complete and pay for your ticket.

Learn about express ticket service

See all payment options available
Travel credit
Products and programs FAQs

We accept most major credit and debit cards and a variety of other payment methods. Only one card can be used when you book on aa.com (but you can use multiple gift cards).

See all payment options

If you aren't an AAdvantage ® member, use the homepage dropdown menu to choose the country where your credit card was issued, as we might use local currency, applicable fares, and available space on flights from that specific country.

If you're an AAdvantage ® member using a credit card issued in the same country registered in your account profile, log in from the home page.

If you're an AAdvantage ® member using a credit card not issued in the same country as registered in your account profile, log in after choosing your flights.

Fares for countries not listed will be in USD.

Brazil (BRL)
Canada (CAD)
Colombia (COP)
Chile (CLP)
Mexico (MXN)

Fly Now Payment Plan

Visit the Fly Now Payment Plan for information

You can use PayPal for all travel except award tickets on aa.com or the American Airlines app if you reside in the U.S. or the United Kingdom. PayPal charges a cross border fee to residents of other countries.

Learn more about paying with PayPal

In the U.S., PayPal can be combined with an American Airlines gift card or eVoucher.

You can get a refund for tickets bought with PayPal from our refunds site.

Request a refund Opens another site in a new window that may not meet accessibility guidelines

Flight discount

Check your American Airlines flight discount balance Opens another site in a new window that may not meet accessibility guidelines
AAdvantage ® flight discount terms & conditions
Business Extra ® flight discount terms & conditions Opens another site in a new window that may not meet accessibility guidelines

Visit aa.com to book travel on flights that originate in the U.S. (including Puerto Rico and the U.S. Virgin Islands) that are operated by American or American Eagle or any one world ® partner. You can also use your flight discount to travel on codeshares (flights with an American flight number that are operated by another airline).

We're sorry, we don't offer emergency or bereavement fares.

We do offer government or military fares in some markets.

Contact Reservations for more information

Wholly unrestricted fares are fully refundable and do not have advance purchase requirements. If you purchase a ticket that is an unrestricted fare, you can make changes to your flight with no change fee (based on seat availability). However, an additional collection of fare may apply.

Reservations placed on hold on aa.com will be guaranteed for 24 hours or until midnight the following day, whichever gives you more time. In the event that your reservation is canceled during that period due to advance booking requirements, please contact Reservations.

Learn about holding your reservation on aa.com
Contact Reservations

Trip insurance

Learn about trip insurance

Residents of the U.S., Canada and Mexico can buy trip insurance during the flight purchase on aa.com. Residents of the U.S. can also purchase trip insurance on Allianz Global Assistance’s site.

Allianz Global Assistance trip insurance Opens another site in a new window that may not meet accessibility guidelines.

Yes, you will receive a confirmation email that contains your trip insurance details.

If you’re a U.S. resident, you can also visit the Allianz Global Assistance site to get your policy. Residents outside the U.S. can contact the insurance provider directly:

Canada - [email protected]
Mexico - [email protected]

Allianz Global Assistance trip insurance for U.S. residents Opens another site in a new window that may not meet accessibility guidelines.

It’s possible the confirmation email may be in your SPAM folder, please check for an email from these applicable addresses:

U.S. - Allianz Global Assistance US [email protected]
Canada - Allianz Global Assistance [email protected]
Mexico - Allianz Travel Mexico [email protected]

U.S. residents may also visit the Allianz Global Assistance site or call 800-628-5404 for additional assistance.

Visit Allianz Global Assistance trip insurance Opens another site in a new window that may not meet accessibility guidelines.

Trip insurance products are sold by third-party insurance providers, not American, so you’ll receive a separate confirmation. All policy documentation will be sent directly to you from the insurance provider.

U.S. residents can modify or cancel a policy online by visiting the Allianz Global Assistance site to Manage Your Policy. Non-U.S. residents should contact the applicable trip insurance provider as cancellation policies vary by country of residence. You may incur additional costs for changes to your policy.

Visit Allianz Global Assistance trip insurance Opens another site in a new window that may not meet accessibility guidelines

No. Trip cancellation coverage will only refund prepaid, non-refundable payments if you have to cancel for an unexpected covered reason. Reasons may include a covered illness or injury for you, a family member or travel companion, jury duty, a traffic accident on the way to the airport and much more. Please see the Certificate of Insurance/policy for complete details. Terms, conditions and exclusions apply.

No. Please contact the applicable trip insurance provider as soon as possible to make any changes and/or cancellations to your trip insurance.

In many instances, credit cards and conventional insurance such as auto, homeowners and health do not cover prepaid or added expenses associated with changes, interruptions and cancellations to your travel plans, and filing a claim could increase your premium cost. Most U.S. health insurance benefits are also reduced when traveling out of network, and may not cover the cost for overseas health care. In addition, medical transportation back home could be costly. Trip insurance can help protect your trip investment and may cover gaps left by other plans. Terms, conditions and exclusions apply.

Learn about different seat options in the Main Cabin

When you book a flight operated by American, you'll see the seat map after you choose your flights.

Go to “My trips/check-in” from the homepage and enter your name and record. From there, you can choose seats. If seats are unavailable, check back later or you can change seats when you check in.

If you're unable to choose seats when you book, check back closer to departure or we'll assign you a seat when you check in.

American Airlines withholds some seats until the day of departure to allow our airport personnel to accommodate passenger needs. If you are unable to reserve a seat at the time of booking, you may get your seat when you check in for your flight.

Seats may become available closer to the day of departure; you can visit aa.com frequently to check the available seats for your flight.

American makes every effort to reseat passengers in the same seats. When this isn’t possible, we’ll attempt to seat you in a like seat. We appreciate your cooperation when special circumstances won’t allow us to reseat you in your original assigned seat.

Preferred seats are standard legroom seats that are more favorably located throughout the Main Cabin.

Preferred seats are complimentary for:

AAdvantage Executive Platinum, Platinum and Gold members
AirPass ticket customers when traveling on your AirPass
one world ® Emerald, Sapphire and Ruby members and companions traveling on the same reservation
Full-fare customers*
Active U.S. military passengers traveling on a military fare
AAdvantage AAnytime and Business Extra award ticket holders

*For travel ticketed in booking code Y on or after August 30, 2017, you'll no longer get complimentary Main Cabin Extra or Preferred seats. This includes AAnytime awards booked in Main Cabin.

Voluntary changes to paid seats are not refundable.

Learn more about refunds

Travel Alert Advisory

AmaWaterways-flexibility-and-peace-of-mind

TRAVEL ADVISORY
HEALTH AND SAFETY PROTOCOLS
TRAVEL ENTRY REQUIREMENTS

TRAVEL WAIVER PLUS

PEACE OF MIND

FLEXIBILITY AND PEACE OF MIND

With AmaWaterways

Enjoy the excitement of reserving your river journey before our most lucrative offers expire. Combine any offer with our most flexible limited-time travel policies as well as our Cruise Protection Plan. Below you will find more details on options that will enable you the most flexibility on your next river cruise with us.

Protect all of your AmaWaterways Purchased Services

With 2024 Travel Waiver Plus

Protect additional services for only $80 per person on Europe, Mekong and Colombia sailings embarking from January 1 - December 31, 2024 with purchase of AmaWaterways Cruise Protection Plan
Cancel for any reason up to 31 days prior to the start of your AmaWaterways purchased services

AmaWaterways 2024 Travel Waiver Plus provides cancellation for any reason, up to 31 days prior to the start of your AmaWaterways purchased services (cruise, pre/post-cruise land packages, air etc.). It is applicable to European and Mekong river cruises sailing from January 1 to December 31, 2024 . Travel Waiver Plus can only be added at time of deposit and requires the purchase of the AmaWaterways Cruise Protection Plan .

Should you decide to cancel your 2024 river cruise for any reason, you will have the following options based on date of cancellation:

Cancellation received up to 31 days prior to start of AmaWaterways services: Future Cruise Credit** covering cancellation penalties and the balance will be monetary refund calculated based on our standard cancellation policy for services purchased through AmaWaterways.
Cancellation received less than 31 days prior to start of AmaWaterways services: A Future Cruise Credit will not be given and the penalties for the entire booking will be lost and not replaced.
$80 per person – with required purchase of AmaWaterways Cruise Protection Plan*

To purchase AmaWaterways 2024 Travel Waiver Plus , contact your Travel Advisor or AmaWaterways at 1.800.626.0126.

AmaWaterways’ Travel Waiver Plus 2024 is only applicable to FIT and Group bookings; can only be added at time of deposit and requires the purchase of the AmaWaterways Cruise Protection Plan. Travel Waiver Plus cannot be purchased by residents of Quebec, Canada. After deposit, Travel Waiver Plus can no longer be added. This offer is only applicable to reservations sailing from January 1, 2024 - December 31, 2024. Travel Waiver Plus is not applicable to any Africa Safaris & Wildlife Cruises, Secrets of Egypt & the Nile, or Seven River Journeys. Travel Waiver Plus allows guests to cancel 31 days (or more) prior to the start of their AmaWaterways purchased services and covers cancellation penalties in the form of a Future Cruise Credit** for services purchased through AmaWaterways. Travel Waiver Plus does not cover custom services or Cruise Protection Plan premium. Travel Waiver Plus does not include any additional benefits; additional insurance coverage is recommended.

CRUISE PROTECTION PLAN

Enhance your Coverage Today

Cruise Protection Plan is available for U.S. Residents for:

Trip cancellation or interruption, emergency medical expenses and Covid-related conditions, emergency evacuation, trip delay and baggage delay

For more details, visit our Travel Protection Page .

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15 Best Travel Credit Cards of May 2024

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

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

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

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

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

Objective comprehensive ratings rubrics ( Methodology )

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

Show summary

NerdWallet's Best Travel Credit Cards of May 2024

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

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

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

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

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

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

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

Ink Business Preferred® Credit Card : Best for Business travelers

Citi Premier® Card : Best for Triple points on multiple categories

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

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

World of Hyatt Credit Card : Best for Best hotel card

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

United℠ Explorer Card : Best for Best airline card

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

Best Travel Credit Cards

Find the right credit card for you..

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

Max flexibility + big bonus

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

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

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

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

Bank of America® Travel Rewards credit card

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

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

Chase Sapphire Reserve®

Our pick for: Bonus rewards + high-end perks

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

Chase Sapphire Preferred® Card

Our pick for: Max flexibility + big bonus

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

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

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

Citi Premier® Card

Our pick for: Triple points in multiple categories

The Citi Premier® Card earns bonus points on airfare, hotels, supermarkets, dining and gas stations. There's a solid sign-up bonus as well. Read our review.

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

Our pick for: Road trips

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

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

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

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

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

The Platinum Card® from American Express

Our pick for: Luxury travel perks

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

American Express® Gold Card

Our pick for: Big rewards on everyday spending

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

Bilt World Elite Mastercard® Credit Card

Our pick for: Travel rewards on rent payments

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

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

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

United℠ Explorer Card

Our pick for: B est airline card

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

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

World of Hyatt Credit Card

Our pick for: Best hotel card

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

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

Ink Business Preferred® Credit Card

Our pick for: Business travelers

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

Are you in Canada?

See NerdWallet's best travel cards for Canada.

OTHER RESOURCES

How travel rewards work.

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

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

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

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

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

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

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

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

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

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

HOW TO CHOOSE A TRAVEL CREDIT CARD

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

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

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

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

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

Travel cards are for travelers

Travel cards vs. cash-back cards.

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

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

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

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

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

Evaluating general travel credit cards

What you get with a general travel card.

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

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

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

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

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

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

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

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

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

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

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

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

Points programs

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

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

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

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

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

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

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

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

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

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

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

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

» MORE: NerdWallet's best airline credit cards

Choosing an airline

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

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

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

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

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

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

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

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

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

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

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

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

HOW TO COMPARE TRAVEL CREDIT CARDS

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

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

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

Rewards rate

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

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

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

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

Sign-up bonus

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

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

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

Foreign transaction fees

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

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

International acceptance

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

Travel protections

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

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

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

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

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

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

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

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

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

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

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

Cons: Why a travel card might not be for you

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

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

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

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

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

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

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

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

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

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

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

OTHER CARDS TO CONSIDER

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

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

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

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

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

NerdWallet's Sam Kemmis contributed to this article.

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

Last updated on May 6 , 2024

Methodology

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

Frequently asked questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

About the author

Sara Rathner

Travel Insurance
AMA Travel Insurance Review

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AMA Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:45am

Reviewed By

The Canadian Automobile Association (CAA) has nine regional clubs across Canada, including the Alberta Motor Association or AMA. For over 35 years, AMA Travel has been providing travel medical insurance to Albertans. Today, globetrotters can select one of four plans offering basic to premium coverage. A major upside to this insurance is that some plans have no age limits. However, if you’re booking some adventurous travel, this plan is probably not suited to you.

Pre-existing conditions rider
Optional medical deductible
CFAR reimbursement at 50%
No age limits on some plans
Only available to Alberta residents
Medical questionnaire required at age 60
Discounts only available to AMA members
Maximum emergency medical is $5 million

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Founded in 1926, and now with 16 agencies across Alberta, the Alberta Motor Association (AMA) is the largest travel agency in the province with almost one million members. Besides offering roadside assistance, AMA also offers comprehensive travel booking, including flights, hotels, packaged vacations and rental cars, as well as travel insurance. It’s worth noting that you must be an Alberta resident to purchase AMA Travel Insurance.

AMA is part of a federation of clubs that includes the Canadian Automobile Association (CAA) in Ontario, the American Automobile Association (AAA) in the U.S. and the Federation Internationale de l’Automobile in Quebec.

AMA Travel Insurance is underwritten by Orion Travel Insurance Company.

Here are the key types of travel insurance coverage offered in typical AMA Travel insurance plans:

Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs. AMA Travel provides reimbursement for 36 unexpected situations that may cause you to cancel your trip before departure, such as if you or your travelling companion gets sick, your airline goes on strike or you lose your job.
Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays.
Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

AMA offers four travel insurance plans for trips outside of Canada: The Premium Medical Package, the Medical Plan, the Non-Medical Premium Package and standalone Trip Cancellation and Trip Interruption Insurance.

Premium Medical Package (medical and travel coverage): This is the most comprehensive plan offered by AMA, which includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident and baggage loss, damage and delay.

Emergency medical treatment includes:

Hospital accommodation up to a semi-private room
Physicians’ fees
Laboratory tests and X-rays
Private duty nursing
Ground ambulance service
Prescription drugs
Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist
Emergency dental treatment due to a blow to the face)
Emergency dental treatment due to illness, excluding roots canals or damage to dentures (maximum $500)
Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours (up to $50 per day to a maximum of $2,000)

Medical Plan: If you’re only worried about medical emergencies while travelling, this plan offers all of the medical coverage options of the Premium Medical Package plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Non-Medical Premium Package: If you have medical coverage elsewhere, the Non-Medical Premium Package plan covers trip cancellation insurance, trip interruption, misconnection & delay insurance, baggage insurance and flight & travel accident insurance. You can also add Cancel for Any Other Reason insurance.

Trip Cancellation and Trip Interruption: This coverage provides reimbursement if you need to cancel your trip before departure, as well as expenses such as hotels, meals and taxi fares due to an unexpected trip delay. You can also add Cancel for Any Other Reason insurance.

There’s also an option for Family Coverage that covers you, your spouse and child(ren) if you’re travelling together. AMA Travel takes the age of the oldest person on the plan, calculates their premium and then multiplies it by 2.25. Family coverage usually offers better savings if the oldest person in the family is under age 60 and does not have any medical conditions, such as diabetes.

We’ve highlighted key benefits of AMA Travel Insurance to help you identify which plan is the best fit for you.

Here’s a comparison of the four plans to see how much maximum coverage you’ll get.

The price of an AMA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for AMA Travel Insurance single trip plans for healthy travellers based in Alberta. AMA members get 10% off of travel medical insurance.

With your emergency medical coverage you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium by up to 45%.

World Nomads

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000

Related: World Nomads Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

AMA Travel offers the following optional riders or add-ons:

Pre-Existing Conditions Rider is available on any emergency medical plan and can reduce your stability period for pre-existing conditions to seven days. Under this coverage, you’ll be reimbursed for a maximum of $200,000 for eligible hospital and medical expenses for sickness or injury due to a pre-existing medical condition.
BounceBack Insurance provides up to $2,000 in round-trip transportation to fly home before your return date and then return to your trip destination at a later date. Two circumstances can trigger this coverage: 1) An immediate family member is admitted to hospital or dies, and 2) A disaster causes your home to be uninhabitable after you leave for your trip.
Rental Vehicle Damage insurance provides up to $80,000 for physical damage or loss for a rental car.

AMA members get 10% off of travel medical insurance and BounceBack insurance. The discount does not apply to premium plans or trip cancellation, interruption or delay insurance, or rental vehicle damage insurance.

Here’s an example for the Medical only plan:

Yes. You can buy multi-trip insurance if you travel more than once a year for multiple individual trips. AMA Travel’s Multi-Trip Annual Plans offer medical only coverage for four, eight, 15, 30 or 60 days and premium medical + travel coverage for nine, 16 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. Multi-trip premium insurance is not available for travellers over age 59.

Here’s how the prices between single trip and multi-trip insurance compare:

AMA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:

Directing you to an appropriate physician or hospital at your trip destination.
Providing multilingual interpreters to communicate with physicians and hospitals.
Monitoring your care and ensuring only appropriate and medically necessary treatment is given.
Communicating on your behalf to your family and physician.
Paying hospitals, physicians and medical providers whenever possible.
Arranging necessary transportation, such as an air ambulance, whenever necessary.
Informing you of any expenses not covered by your policy.

When you call AMA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency.

If you don’t contact AMA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses, to a maximum of $25,000. AMA Assistance must also approve certain benefits, such as MRIs, CAT scans, ultrasounds or biopsies, in advance. If you receive treatment prior to approval, you may be reimbursed on the basis of “reasonable and customary charges” that may be different from the actual charges.

Your standard trip cancellation insurance with AMA Travel covers 36 unexpected situations that could cause your trip to be cancelled before you leave. These include:

You or your travel companion gets sick, injured or dies
A close friend dies within 10 days of leaving for your trip
You, your spouse or your travelling companion experience pregnancy complications in the first 31 weeks and have been advised not to travel
You or your travelling companion’s house or business is burglarized within seven days of leaving for your trip
You, your spouse, your travelling companion or his/her spouse loses a job

AMA Travel also offers Cancel For Any Other Reason insurance that allows you to cancel up to three hours before departure and receive a 50% refund, if you purchase your travel arrangements with AMA Travel, CAA Travel or amatravel.ca and purchase the policy within 72 hours of booking that trip.

While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.

Trip interruption insurance covers issues, such as:

A missed connection due to bad weather, road delays or a road accident
A medical emergency back home

AMA Travel also offers Interruption For Any Other Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:

50% reimbursement of your unused nonrefundable arrangements if your travel is booked through AMA Travel, CAA Travel or amatravel.ca
Up to $1,000 for the extra cost of a one-way economy airfare to return home or any fees incurred to change the date of your original return ticket.

These benefits kick in only if your trip is interrupted 48 hours or more after your arrival.

For travellers under age 59, AMA Travel will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.

For travellers under age 59 and under, AMA Travel will also not cover any lung condition if in the three months prior to your departure date you received treatment with prednisone. For travellers aged 69 and under, the time period is three months before your effective date and for travellers aged 70 to 84, the time period is six months before your effective date.

If you’re concerned about a pre-existing condition, you can purchase the Pre-Existing Conditions Rider on any emergency medical plan and reduce your stability period to seven days. Under this coverage, you’ll be reimbursed for a maximum of $200,000 for eligible hospital and medical expenses for sickness or injury due to a pre-existing medical condition.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

A claim against an unstable pre-existing medical condition. AMA defines a condition as unstable if you have sought medical treatment for that condition, if new or existing symptoms appear or there has been a change in medication or the dose you take.
For insured children under two years old, any sickness or medical condition related to a birth defect
Injury or illness as a result of alcohol or drug abuse
Travelling to get medical treatment, included diagnosis, surgery, investigation, palliative care or alternative therapy
Complications from pregnancy nine weeks before or after the expected date of delivery
Claims related to a child born on the trip
Death or injury due to activities related to being in the air, including planes, balloons, kite balloons, airship, glider, hang glider, paraglider, parasail, parachute, kite and wingsuits
Death or injury while participating in a professional sport or any motorized speed contests
Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care or rehabilitation
The replacement cost of an existing prescription, contact lenses or prosthetic teeth or limbs
Cataract surgery or services provided by a naturopath
Travelling against medical advice or not following medical advice in regards to treatment.
Any loss resulting from an act of terrorism
A travel visa not issued in time due to a late application

If any of the following conditions or situations applies, you will be considered ineligible for any coverage under a policy with AMA Travel, except for rental vehicle damage insurance:

You have been diagnosed with a terminal illness and given six months to live.
You have been advised by a physician not to travel.
You require kidney dialysis.
You have ever had an organ transplant, except for a cornea transplant.
You have been diagnosed with or received treatment for metastatic cancer within the last five years.
You have been prescribed home oxygen for a lung condition in the last 12 months.

You can file a claim online 24/7 by visiting the AMA Travel website and accessing the appropriate claim form(s). Depending on the kind of claim, you will also need to provide supporting documentation.

For example, for accidental dental expenses you will need to provide an accident report from the physician or dentist. For a Trip Cancellation claim due to medical reasons, you’ll need to provide a medical certificate by your doctor stating why travel was not possible as well as your entire medical file.

AMA Travel Insurance FAQs

Does ama travel insurance pay for medical costs upfront.

Yes, in most cases AMA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that there may be some “incidental expenses” that you will need to pay out of pocket and that you should keep your original receipts to submit for reimbursement. For example, as part of your emergency medical coverage you are entitled to a hospital allowance of up to $50 per day to a maximum of $2,000, which will be reimbursed to you as a lump sum after your release from hospital.

Does AMA Travel Insurance cover COVID-19?

Yes. Emergency medical plans with AMA Travel provide coverage for COVID-19-related illnesses when Canadian government travel advisories are at Level 2 (Exercise a high degree of caution) or Level 1 (Exercise normal security precautions). AMA Travel Insurance also provides up to $2.5 million coverage if you are partially vaccinated or up to $5 million if you are fully vaccinated for COVID-related illnesses that occur when travelling during a Level 3 travel advisory (Avoid non-essential travel).

Does AMA Travel Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for five days starting on the final day of your trip due to carrier delays, weather, vehicle breakdown or accidents. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does AMA Travel Insurance require a medical questionnaire?

Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Has it been more than 18 months since your last medical check-up, have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions?

If it’s discovered that you did not answer the questions truthfully or there are any errors, you’ll be responsible for the first $5,000 of any claim and the additional premium required will be evaluated on the accurate answers.

Does AMA Travel have any age restrictions?

Yes. The single trip premium package (that includes medical and trip coverage) is available to travellers age 84 and under. The medical only plan, non-medical premium package and trip cancellation and trip interruption plan have no maximum age.

When does my coverage with AMA Travel begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with AMA Travel?

Single trip medical plans and top-ups are fully refundable before the effective date. Partial refunds are possible as long as there is no claim made on the policy and you can provide proof of early return.

Does AMA Travel offer a free look period?

Yes. AMA Travel offers a 10-day “Right To Examine” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress, or that you haven’t experienced a potentially covered event (such as becoming sick).

Can I book my trip with points and then make a claim on my travel insurance?

No. AMA Travel does not insure or reimburse the monetary value of any travel costs that have been booked and paid for with points, miles or any other travel rewards program.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Pros and cons of putting travel expenses on a credit card for vacation

Reporter: Kristine Lazar

LOS ANGELES (CBS) - The summer travel season kicks off at the end of the month. Millions of Americans are making vacation plans and figuring out how to pay for those trips.

Deanna Peart is returning from a trip and will be headed out again this summer for a cruise.

"I'm excited but I'm dreading paying for my ticket," said Deanna Peart who's taking a summer vacation.

She saved up but admits the vacation will cost a little more than she has and that extra will be debt on a credit card.

"I want to enjoy my life therefore we have to have vacations to enjoy time," shared Deanna. "Yeah, it's worth it."

Others also believe it's worth it.

In a Bankrate survey, 36 percent of people say they're willing to go into debt for their vacation, and many plan to put it on a credit card.

"I don't want to tell people they can't have any fun, but I do worry about the high cost of credit card debt," expressed Ted Rossman, Bankrate.

Bankrate's Ted Rossman said that's because people who don't pay off the card face interest rates of around 20 percent. According to TransUnion, the average American is carrying more than $6,000 in credit card debt.

"If you're only making minimum payments towards the average balance at the average interest rate you're already gonna be in debt for more than 18 years and pay close to $10,000 in interest," stated Rossman.

Ben Cohen and Emily Fishman are traveling for work and don't have plans to take a personal trip this summer. The two are avoiding debt by staying local.

"We just kind of like get our joy from, you know, what we have right in front of us as much as we can," said Emily Fishman who's planning a staycation.

They're not alone. 12 percent of people surveyed tell Bankrate they too are planning a staycation this summer.

28 percent of Americans say they're not taking a summer vacation because they can't afford it.

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Your go-to credit card

Aaa travel advantage visa signature ® credit card.

Two girs sitting in the back of an electric vehicle waiting for charge

Meet your go-to credit card for everywhere you go. Using your AAA Travel Advantage Visa Signature ® Credit Card , you can take advantage of cash back on a wide range of purchases and experiences.

With purchases, earn $100 statement credit when you spend $1,000 within the first 90 days of opening. 3

Use the AAA Travel Advantage card to start earning:

5% cash back on gas purchases and electric vehicle-charging stations 1
3% cash back on travel, restaurants, grocery store, and purchases at AAA 1
1% cash back on all other purchases 2
No annual fee and no foreign transaction fees 4

With the AAA Travel Advantage Visa Signature ® Credit Card you can earn 5% cash back on the first $7,000 spent on gas & electric vehicle-charging purchases in a calendar year, then 1% thereafter.

Credit card offers are subject to credit approval.

AAA Travel Advantage Visa Signature ® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

1 Offer is exclusive to AAA Travel Advantage Visa Signature ® Credit Card holders enrolled in the AAA Travel Advantage program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. Maximum of $350 USD in cash back in a calendar year on the 5% category, and earn 1% cash back on all net eligible purchases thereafter. Excludes third-party insurance and offers, automobile extended warranties, and trip insurance. Cash back can be redeemed as statement credits, direct deposit, rewards and qualifying purchases at participating AAA locations. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see AAA.com/AdvantageTravelTerms.

2 Offer is exclusive to AAA Travel Advantage Visa Signature ® Credit Card holders enrolled in the AAA Travel Advantage program. Cash Back can be redeemed as Statement Credits, Direct Deposit, Rewards and qualifying purchases at participating AAA locations.

3 Valid one time only. Offer is exclusive to AAA Travel Advantage Visa Signature ® Credit Card holders enrolled in the AAA Travel Advantage program. Maximum of $100 statement credit per account.

4 For new accounts, as of January 2024: Variable Purchase APR of 19.24% to 33.24% based on your credit worthiness at the time of account opening and the Prime Rate. Balance Transfer APR of 26.99%. Variable Cash Advance APR of 34.24%, based on Prime Rate. Minimum Interest Charge is $2. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.

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The Moscow Metro Museum of Art: 10 Must-See Stations

There are few times one can claim having been on the subway all afternoon and loving it, but the Moscow Metro provides just that opportunity. While many cities boast famous public transport systems—New York’s subway, London’s underground, San Salvador’s chicken buses—few warrant hours of exploration. Moscow is different: Take one ride on the Metro, and you’ll find out that this network of railways can be so much more than point A to B drudgery.

The Metro began operating in 1935 with just thirteen stations, covering less than seven miles, but it has since grown into the world’s third busiest transit system ( Tokyo is first ), spanning about 200 miles and offering over 180 stops along the way. The construction of the Metro began under Joseph Stalin’s command, and being one of the USSR’s most ambitious building projects, the iron-fisted leader instructed designers to create a place full of svet (radiance) and svetloe budushchee (a radiant future), a palace for the people and a tribute to the Mother nation.

Consequently, the Metro is among the most memorable attractions in Moscow. The stations provide a unique collection of public art, comparable to anything the city’s galleries have to offer and providing a sense of the Soviet era, which is absent from the State National History Museum. Even better, touring the Metro delivers palpable, experiential moments, which many of us don’t get standing in front of painting or a case of coins.

Though tours are available , discovering the Moscow Metro on your own provides a much more comprehensive, truer experience, something much less sterile than following a guide. What better place is there to see the “real” Moscow than on mass transit: A few hours will expose you to characters and caricatures you’ll be hard-pressed to find dining near the Bolshoi Theater. You become part of the attraction, hear it in the screech of the train, feel it as hurried commuters brush by: The Metro sucks you beneath the city and churns you into the mix.

With the recommendations of our born-and-bred Muscovite students, my wife Emma and I have just taken a self-guided tour of what some locals consider the top ten stations of the Moscow Metro. What most satisfied me about our Metro tour was the sense of adventure . I loved following our route on the maps of the wagon walls as we circled the city, plotting out the course to the subsequent stops; having the weird sensation of being underground for nearly four hours; and discovering the next cavern of treasures, playing Indiana Jones for the afternoon, piecing together fragments of Russia’s mysterious history. It’s the ultimate interactive museum.

Top Ten Stations (In order of appearance)

Kievskaya station.

Kievskaya Station went public in March of 1937, the rails between it and Park Kultury Station being the first to cross the Moscow River. Kievskaya is full of mosaics depicting aristocratic scenes of Russian life, with great cameo appearances by Lenin, Trotsky, and Stalin. Each work has a Cyrillic title/explanation etched in the marble beneath it; however, if your Russian is rusty, you can just appreciate seeing familiar revolutionary dates like 1905 ( the Russian Revolution ) and 1917 ( the October Revolution ).

Mayakovskaya Station

Mayakovskaya Station ranks in my top three most notable Metro stations. Mayakovskaya just feels right, done Art Deco but no sense of gaudiness or pretention. The arches are adorned with rounded chrome piping and create feeling of being in a jukebox, but the roof’s expansive mosaics of the sky are the real showstopper. Subjects cleverly range from looking up at a high jumper, workers atop a building, spires of Orthodox cathedrals, to nimble aircraft humming by, a fleet of prop planes spelling out CCCP in the bluest of skies.

Novoslobodskaya Station

Novoslobodskaya is the Metro’s unique stained glass station. Each column has its own distinctive panels of colorful glass, most of them with a floral theme, some of them capturing the odd sailor, musician, artist, gardener, or stenographer in action. The glass is framed in Art Deco metalwork, and there is the lovely aspect of discovering panels in the less frequented haunches of the hall (on the trackside, between the incoming staircases). Novosblod is, I’ve been told, the favorite amongst out-of-town visitors.

Komsomolskaya Station

Komsomolskaya Station is one of palatial grandeur. It seems both magnificent and obligatory, like the presidential palace of a colonial city. The yellow ceiling has leafy, white concrete garland and a series of golden military mosaics accenting the tile mosaics of glorified Russian life. Switching lines here, the hallway has an Alice-in-Wonderland feel, impossibly long with decorative tile walls, culminating in a very old station left in a remarkable state of disrepair, offering a really tangible glimpse behind the palace walls.

Dostoevskaya Station

Dostoevskaya is a tribute to the late, great hero of Russian literature . The station at first glance seems bare and unimpressive, a stark marble platform without a whiff of reassembled chips of tile. However, two columns have eerie stone inlay collages of scenes from Dostoevsky’s work, including The Idiot , The Brothers Karamazov , and Crime and Punishment. Then, standing at the center of the platform, the marble creates a kaleidoscope of reflections. At the entrance, there is a large, inlay portrait of the author.

Chkalovskaya Station

Chkalovskaya does space Art Deco style (yet again). Chrome borders all. Passageways with curvy overhangs create the illusion of walking through the belly of a chic, new-age spacecraft. There are two (kos)mosaics, one at each end, with planetary subjects. Transferring here brings you above ground, where some rather elaborate metalwork is on display. By name similarity only, I’d expected Komsolskaya Station to deliver some kosmonaut décor; instead, it was Chkalovskaya that took us up to the space station.

Elektrozavodskaya Station

Elektrozavodskaya is full of marble reliefs of workers, men and women, laboring through the different stages of industry. The superhuman figures are round with muscles, Hollywood fit, and seemingly undeterred by each Herculean task they respectively perform. The station is chocked with brass, from hammer and sickle light fixtures to beautiful, angular framework up the innards of the columns. The station’s art pieces are less clever or extravagant than others, but identifying the different stages of industry is entertaining.

Baumanskaya Statio

Baumanskaya Station is the only stop that wasn’t suggested by the students. Pulling in, the network of statues was just too enticing: Out of half-circle depressions in the platform’s columns, the USSR’s proud and powerful labor force again flaunts its success. Pilots, blacksmiths, politicians, and artists have all congregated, posing amongst more Art Deco framing. At the far end, a massive Soviet flag dons the face of Lenin and banners for ’05, ’17, and ‘45. Standing in front of the flag, you can play with the echoing roof.

Ploshchad Revolutsii Station

Novokuznetskaya Station

Novokuznetskaya Station finishes off this tour, more or less, where it started: beautiful mosaics. This station recalls the skyward-facing pieces from Mayakovskaya (Station #2), only with a little larger pictures in a more cramped, very trafficked area. Due to a line of street lamps in the center of the platform, it has the atmosphere of a bustling market. The more inventive sky scenes include a man on a ladder, women picking fruit, and a tank-dozer being craned in. The station’s also has a handsome black-and-white stone mural.

Here is a map and a brief description of our route:

Start at (1)Kievskaya on the “ring line” (look for the squares at the bottom of the platform signs to help you navigate—the ring line is #5, brown line) and go north to Belorusskaya, make a quick switch to the Dark Green/#2 line, and go south one stop to (2)Mayakovskaya. Backtrack to the ring line—Brown/#5—and continue north, getting off at (3)Novosblodskaya and (4)Komsolskaya. At Komsolskaya Station, transfer to the Red/#1 line, go south for two stops to Chistye Prudy, and get on the Light Green/#10 line going north. Take a look at (5)Dostoevskaya Station on the northern segment of Light Green/#10 line then change directions and head south to (6)Chkalovskaya, which offers a transfer to the Dark Blue/#3 line, going west, away from the city center. Have a look (7)Elektroskaya Station before backtracking into the center of Moscow, stopping off at (8)Baumskaya, getting off the Dark Blue/#3 line at (9)Ploschad Revolyutsii. Change to the Dark Green/#2 line and go south one stop to see (10)Novokuznetskaya Station.

Check out our new Moscow Indie Travel Guide , book a flight to Moscow and read 10 Bars with Views Worth Blowing the Budget For

Jonathon Engels, formerly a patron saint of misadventure, has been stumbling his way across cultural borders since 2005 and is currently volunteering in the mountains outside of Antigua, Guatemala. For more of his work, visit his website and blog .

Photo credits: SergeyRod , all others courtesy of the author and may not be used without permission

14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

46 travel credit cards evaluated
10+ data points used, including ongoing fees, reward programs and welcome offers
100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
Bilt Mastercard® – Best no-annual-fee travel card for paying rent
Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
Discover it® Miles – Best no-annual-fee travel card for simple rewards
Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

American Express® Gold Card – Best travel card for dining
Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
Chase Sapphire Reserve® – Best premium travel credit card
The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

No annual fee
No foreign transaction fees
Earns 1.5x points on all purchases
No bonus category for travel
Few benefits compared to other cards
Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
Use it to pay your rent and earn rewards without incurring any processing fees
You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
No welcome bonus or introductory APR period
Points redeemed for statement credits are worth 0.55 cents each
You must make at least five transactions in a statement period to earn points
Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

Can transfer your miles to 16 travel partners
Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
Doesn't earn bonus points on airfare
No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

Includes trip cancellation/interruption and car rental insurance
Features a high flat cash back rate combined and popular bonus categories
3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

No annual or foreign transaction fees
Discover matches the total miles you earned at the end of the first year
Earns 1.5x miles on all purchases
See your FICO score on the Discover mobile app, online and on statements
Few benefits compared to other travel cards
Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
Includes cell phone protection plan
No airline or hotel transfer partners
Doesn't include travel insurance
Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

Earn 2x miles per dollar on most purchases
Up to $100 credit for Global Entry or TSA PreCheck(R)
Includes travel accident and car rental insurance
Fewer bonus categories than other cards with a similar annual fee ($95)
Doesn't offer travel rewards for flights
Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
Receive a point bonus each account anniversary
Includes primary rental car insurance
Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
$95 annual fee
Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
High annual fee ($250)
Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
$100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

10,000 bonus miles every year
Statement credit of up to $300 for bookings made through Capital One Travel
Up to a $100 credit on Global Entry or TSA PreCheck(R)
Skip the line and get car upgrades when renting a car with Hertz
High annual fee ($395)
Fewer bonus categories than other premium cards
No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

10,000 bonus miles every year (starting on your first anniversary)
$300 annual credit for bookings through Capital One Travel
Up to a $100 credit for Global Entry or TSA PreCheck®
Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

Up to $300 in statement credits each anniversary year to cover travel purchases
Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
Points worth 50% more when redeemed for travel expenses through Chase TravelSM
Comprehensive travel insurance coverage, including emergency dental insurance
High annual fee ($550)
Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

$300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

Access to the widest network of airport lounges of any card
Complimentary elite status in the Marriott and Hilton hotel loyalty programs
Hundreds of dollars in annual statement credits for travel, dining and more
High annual fee ($695)
Doesn't include baggage delay, travel accident and primary rental car insurance
Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
$200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

5X points on flights and prepaid hotels booked through AmexTravel.com
Around $1,000 in yearly statement credits for select business purchases
Access to a wide network of airport lounges (terms apply)
Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

Free first checked bag for you and a companion
Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
Complimentary priority boarding for you and companions traveling on the same reservation
$95 annual fee (after the first year)
No intro APR period
Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

Two one-time passes for United Club℠ airport lounges each account anniversary year
25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

Some cards offer up to 10x points per dollar on travel purchases.
Many have additional bonus categories for dining, grocery shopping and more.
They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
They might not offer high rewards on spending outside of the travel category.
Some of the best ones can have steep annual fees and require good to excellent credit
Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

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

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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