Benzinga

Best Credit Cards for Travel


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Contributor, Benzinga

Travel credit cards are highly rewarding if you live out of your suitcase or love to snag a free flight or upgrade.

Beyond keeping your wallet light of wads of cash, travel cards offer benefits such as cash back, discounts, hotel stays, airline miles, travel upgrades, airport lounge access and much more. Although these cards typically come with a joining or annual fee, the benefits often outweigh these charges.

Check out Benzinga’s review to find the best credit cards for travel.

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Best Credit Cards for Travel

Here are our top picks for the best credit cards for travel. Since specific deals often change seasonally, ensure you confirm specific rates, rewards and other terms before selecting your card.

Best for Premium Hotel Rewards: Hilton Honors American Express Card

If you love Hilton, the Hilton Honors card is a must-have. You can get 14 times the points on eligible Hilton purchases, 7 times points at U.S. restaurants, flights booked directly or through amextravel.com and car rentals booked with select companies. For all other purchases, you earn 3 times the points.

You can also enjoy complimentary Hilton Honors Silver status with your card. Or spend $20,000 on eligible purchases in a calendar year and earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. 

As a welcome bonus, you can get 75,000 points after you spend $1,000 in purchases on the card within your 1st 3 months.

  • Annual fee: $0
  • Regular APR: 15.74% to 24.74%
  • Welcome bonus: 75,000 bonus points

Best for Airline Rewards: United℠ Explorer Card

The United℠ Explorer Card is everything you want in a basic airline card with rewards and perks that more than make up for the annual fee. 

You start with a sign-up bonus of 40,000 miles after you spend $2,000 on purchases in the 1st 3 months. You can earn 2 miles per dollar if you use the card at restaurants, hotel stays and other United purchases like flight tickets and beverages. 

For other purchases, you earn 1 mile per dollar. You also get a free checked bag for you and a companion and save up to $140 per round trip. 

  • Annual fee: $95
  • Regular APR: 16.49% to 23.49%
  • Welcome bonus: 40,000 bonus miles

Best for No Annual Fee: Wells Fargo Propel American Express® Card

The Well Fargo Propel American Express card is best for the starter traveler looking for travel benefits without an annual fee. 

As a welcome bonus, you get 20,000 points on spending $1,000 in purchases during the 1st 3 months — a $200 cash redemption value. You also earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. 

  • Annual fee: $0
  • Regular APR: 14.49% to 24.99%
  • Welcome bonus: 20,000 bonus points

Best for Earning Miles: Capital One® Venture® Rewards Credit Card

The Venture® Rewards card from Capital One® makes it easy for you to earn miles. You can earn unlimited 2 times the miles per dollar on every purchase, every day. Plus, you can transfer your miles to multiple leading travel loyalty programs.

You can also use your rewards through Amazon t for your online purchases. There’s also no foreign transaction fee, so you won’t pay a transaction fee when making purchases outside the U.S.

  • Annual fee: $95
  • Regular APR: 17.24% to 24.49% 
  • Welcome bonus: 50,000 bonus miles

Best for Earning Points: Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® is 1 of the best all-round travel credit cards. You earn points on travel and dining or from airfare, hotels and fine dining.

Some other benefits of the Chase Sapphire Preferred®  include:

  • The ability to transfer your points to leading frequent travel programs at 1-to-1 value.
  • 5 times the points on Lyft rides through March 2022. That’s 3 times the points in addition to the 2 times points you already earn on travel.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
  • A welcome bonus of 60,000 points after you spend $4,000 on purchases in the 1st 3 months from account opening. That’s $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Annual fee: $95
  • Regular APR: 15.99% to 22.99%
  • Welcome bonus: 60,000 bonus points

Credit Card Responsibility

Credit cards must be used responsibly. Credit cards can allow you to: 

  • To make payments over time for items you need urgently
  • To make the most of the rewards and benefits
  • To build a positive credit history to boost your credit rating

Pick the card with benefits that suit your lifestyle and strategize your payment. Don’t get a credit card for a lifestyle you can’t afford. You may begin a dangerous path toward credit card debt.

Here are a few dangers of owning a credit card:

You tend to overspend

Let’s face it, we tend to spend more if we use a card instead of cash because it’s just a piece of plastic. Your credit limit can be deceptive as it might feel like you actually have that kind of money when you really don’t.

Improper use can tank your credit rating

Credit cards are designed to help you build credit rating. If you use a credit card carelessly, it can affect your credit score. A bad credit rating means that lenders won’t extend credit easily. It can then be difficult to get loans or your rates will be much higher. 

Debt

Debt is a result of not being able to repay your balances in full every month. If you don’t pay your balance in full, the remaining amount that you owe goes toward interest payments. This gets carried forward to the next month and the month after that — resulting in a snowball of debt.

How to Apply for a Credit Card

You can apply for a credit card in multiple ways — online, a paper application or by phone. There are typically 3 steps you should follow when you apply for a credit card.

  1. Check your credit score

Most credit cards can be categorized based on a qualifying credit score. If you know your credit score, you can apply for products and credit cards you’re likely to qualify for.

For example, if you have a bad credit score, you might want to choose a credit-building card that can help you achieve fair credit. Similarly, if you have a fair credit score, it may be difficult to get approval on a card that requires applicants with an excellent credit score.

  1. Choose the card you need

There is a range of credit card cards that you can choose from depending on your needs.

For example, if you’re a 1st-time applicant looking for a travel card, a card that does not require an annual fee would suit you best. But, if there’s a card that offers benefits you would certainly use which outweighs the annual fee, then that card would be a better fit. 

  1. Fill out an application

Whether you apply online or by paper, the information required by card issuers is the same — personal information, income information and details of the authorized user (if any).

Once you submit your application, your credit card company will review it. If you’re doing this online, you should find out the result within a few minutes. The results for a paper application will take much longer.

Choose a Travel Card Now

Travel credit cards can offer you valuable rewards. You can take advantage of temporary benefits or use a travel card for everyday expenses to build up points to redeem in the future. Start with our list of recommended travel credit cards to find your match today.

Luxury Card
apply now securely through Luxury Card’s website
More Details
Disclosure: Terms and Conditions apply*
Annual Fee
Annual Fee: $495 ($195 for each Authorized User added to the account). Terms and conditions apply*.
Regular APR
15.24% APR
1 Minute Review

There’s something uniquely satisfying about the crisp click a weighty credit card makes when you set it down on the counter to pay. It just feels like luxury.

Weighing in at 22 grams (the heaviest cards out there), Luxury Card’s heavy metal credit cards deliver a VIP experience to its cardholders 24/7. Unlike other executive-level cards, anyone can apply for 1 of its 3 cards instead of waiting for an invitation.

With premium rewards, industry-high airline and cash back value redemption, dedicated concierge-style customer service and more, the Luxury Card Mastercard® Gold Card, Mastercard® Black Card and Mastercard® Titanium Card will make you feel like a million bucks (even if you’re still working on that 1st million).

Terms and Conditions apply.*

Specs
  • Annual Fee: Annual Fee: $495 ($195 for each Authorized User added to the account). Terms and conditions apply*.
  • Regular APR: 15.24% APR
  • Minimum Deposit: N/A
  • One Time Fee: N/A
  • Intro APR: N/A
  • Rewards: N/A
  • Welcome Bonus: N/A
Pros
  • Earn one point for every dollar spent
  • Industry-high reward redemption values
  • Top-tier customer care with Luxury Card Concierge
  • Flexible rewards
Cons
  • Higher annual fees
Indigo Credit Card
apply now securely through Indigo Credit Card’s website
Milestone Gold Card
get started securely through Milestone Gold Card’s website
More Details
Annual Fee
$35 to $99 based on credit worthiness
Regular APR
24.90%
1 Minute Review

The Milestone Mastercard comes from Mastercard. Mastercard, located in New York, works to integrate new technology with banking. The APR rates are around 24.9% for credit lines of $300. However, the card has no stated rewards or bonuses and charges higher APR fees with limited benefits.

Specs
  • Annual Fee: $35 to $99 based on credit worthiness
  • Regular APR: 24.90%
  • Minimum Deposit: No security deposit
  • One Time Fee: None stated
  • Intro APR: None stated
  • Rewards: N/A
  • Welcome Bonus: N/A
Pros
  • Reports monthly statements to three different credit bureaus
  • Offers 24/7 account access
  • No minimum security deposit
  • Allows people to be pre-qualified
Cons
  • Annual fees
  • No rewards or bonuses

Methodology

Benzinga analyzed over 60 credit cards to determine the top 5 for travel. The most important factors in determining the best credit cards are APR, annual fee and rewards. The credit card also has to report to all 3 credit bureaus.

Related content: BEST CREDIT CARDS FOR HOTELS

Methodology 

Benzinga analyzed dozens of credit cards to determine the best. Factors included APR rates, expected minimum credit scores, potential annual fees and rewards. For example, APR fees for lower credit scores are around 20% to 29%. However, APR rates were not the only factor since some cards also included additional fees such as annual fees. Interest rates were generally lower than APRs because APRs often examine multiple factors. When looking at credit cards, Benzinga examined how secured and unsecured credit cards performed in terms of benefits, APR rates, potential fees and rewards. Secured cards tend to have security deposits that were equal to maximum credit lines, but some credit cards offered much lower security deposits when compared to the actual lines of available credit. Extra benefits such as auto-payment features, educational tools and whether a credit card was reported to multiple credit bureaus were also considered. Learn how Benzinga rates credit cards. 

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Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.”

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