7 Best Travel Credit Cards: Comparison and Review
- Written by:
- Arin Baghermian
7 Best Travel Credit Cards: Comparison and Review
- Written by:
- Arin Baghermian
Discover the world of travel credit cards with us as we delve into their benefits and provide valuable tips to help you select the perfect card for your adventures. By comparing various options, we aim to make your decision-making process a breeze, ensuring you maximize rewards and perks tailored to your travel preferences. So join us on this journey to find the ideal travel credit card that elevates your travel experience.
Benefits of Travel Credit Cards
Travel credit cards offer a range of benefits that can make traveling more affordable and enjoyable. Some of these benefits include:
- No foreign transaction fees: Many credit cards charge a fee for transactions made in foreign currencies. Travel credit cards, however, often waive these fees, which can save you a significant amount of money on your travels.
- Rewards points: Travel credit cards often offer rewards points for every dollar spent, which can be redeemed for travel-related expenses such as flights, hotels, and rental cars.
- Travel insurance: Some travel credit cards include travel insurance, which can cover expenses such as trip cancellation, lost luggage, and emergency medical expenses.
- Lounge access: Certain travel credit cards offer access to airport lounges, providing a comfortable and relaxing space to wait for your flight.
How to Choose the Right Travel Credit Card
With so many travel credit cards available, it can be challenging to know which one is right for you. Here are some factors to consider when choosing a travel credit card:
- Rewards: Look for a credit card that offers rewards that align with your travel goals. For example, if you want to earn points for flights, choose a card that offers airline rewards.
- Annual fee: Some travel credit cards come with an annual fee, so make sure to consider whether the rewards and benefits outweigh this cost.
- Sign-up bonus: Many travel credit cards offer a sign-up bonus, which can be a great way to earn rewards quickly. However, make sure to read the terms and conditions carefully, as some bonuses may require a minimum spending threshold.
- Travel benefits: Consider what travel benefits are important to you, such as lounge access, travel insurance, and concierge services.
Editor's Note:
The financial institution, credit card provider, or other promotional partner did not supply or sponsor this material. The views shared in this article are exclusively those of the author and have not undergone review, approval, or endorsement by the advertising party. This website may receive financial compensation from the bank, credit card issuer, or another advertiser.
What's New
Discover the world of travel credit cards with us as we delve into their benefits and provide valuable tips to help you select the perfect card for your adventures.
By comparing various options, we aim to make your decision-making process a breeze, ensuring you maximize rewards and perks tailored to your travel preferences. So join us on this journey to find the ideal travel credit card that elevates your travel experience.
Benefits of Travel Credit Cards
Travel credit cards offer a range of benefits that can make traveling more affordable and enjoyable. Some of these benefits include:
No foreign transaction fees
Many credit cards charge a fee for transactions made in foreign currencies. Travel credit cards, however, often waive these fees, which can save you a significant amount of money on your travels.
Rewards points
Travel credit cards often offer rewards points for every dollar spent, which can be redeemed for travel-related expenses such as flights, hotels, and rental cars.
Travel insurance
Some travel credit cards include travel insurance, which can cover expenses such as trip cancellation, lost luggage, and emergency medical expenses.
Lounge access
Certain travel credit cards offer access to airport lounges, providing a comfortable and relaxing space to wait for your flight.
How to Choose the Right Travel Credit Card
With so many travel credit cards available, it can be challenging to know which one is right for you. Here are some factors to consider when choosing a travel credit card:
Rewards
Look for a credit card that offers rewards that align with your travel goals. For example, if you want to earn points for flights, choose a card that offers airline rewards.
Sign-up bonus
Many travel credit cards offer a sign-up bonus, which can be a great way to earn rewards quickly. However, make sure to read the terms and conditions carefully, as some bonuses may require a minimum spending threshold.
Annual fee
Some travel credit cards come with an annual fee, so make sure to consider whether the rewards and benefits outweigh this cost.
Travel benefits
Consider what travel benefits are important to you, such as lounge access, travel insurance, and concierge services.
Editor's Note
The financial institution, credit card provider, or other promotional partner did not supply or sponsor this material. The views shared in this article are exclusively those of the author and have not undergone review, approval, or endorsement by the advertising party. This website may receive financial compensation from the bank, credit card issuer, or another advertiser.
Capital One Venture X Credit Card
Key Features
Generous sign on bonus Annual travel credit and bonus Airport lounge access
Capital One’s elite travel card comes with an abundance of features, placing it in direct competition with other high-end credit cards, all while boasting an annual fee that significantly undercuts its rivals.
| Intro Offer | 75,000 miles |
| Intro APR | N/A |
| Variable APR | 21.74%-28.74% |
| Annual Fee | $395 |
| Credit Requirement | Excellent |
10x Earn 10x miles on hotels & rental cars booked through Capital One Travel.
5x Earn 5x miles on flights booked through Capital One Travel.
2x Earn 2x miles on all other purchases, every day.
Rewards and Earning Rates
The Capital One Venture X Credit Card offers 2 miles per dollar spent on all purchases and 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel. This straightforward rewards structure makes it easy for cardholders to earn miles on a wide range of spending categories.
Sign-Up Bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual Fee
The Capital One Venture X Credit Card comes with a significant annual fee, which may be a consideration for potential applicants. However, the range of benefits and rewards offered by the card can help offset the fee for those who frequently travel and make use of the card’s features.
Travel Benefits
The card offers a suite of travel benefits, including:
- $300 annual travel credit, which can be used towards bookings made through Capital One Travel.
- Priority Pass Select membership, granting access to over 1,300 airport lounges worldwide.
- Global Entry or TSA PreCheck fee credit, which covers the application fee for either program every four years.
- Complimentary upgrades and benefits with participating hotel and rental car partners.
- No foreign transaction fees on purchases made outside the United States.
Additional Perks
The Capital One Venture X Credit Card also offers several additional benefits, such as:
- Travel and purchase protection, including trip cancellation and interruption insurance, baggage delay insurance, and extended warranty protection.
- 24/7 concierge service, providing assistance with travel bookings, restaurant reservations, and more.
- Cell phone protection, which covers eligible devices against theft or damage when the cardholder pays their monthly cell phone bill with the card.
Drawbacks
The main drawbacks of the Capital One Venture X Credit Card include the high annual fee and the fact that some premium travel benefits, such as airline-specific perks or hotel elite status, may be absent. Additionally, the rewards earning rate on everyday purchases may be lower compared to some other travel rewards cards.
Capital One Venture X Card
Capital One’s elite travel card comes with an abundance of features, placing it in direct competition with other high-end credit cards, all while boasting an annual fee that significantly undercuts its rivals.
Key Features
Generous sign on bonus Annual travel credit and bonus Airport lounge access
| Intro Offer | 75,000 miles |
| Intro APR | N/A |
| Variable APR | 19.49%-28.24% |
| Annual Fee | $395 |
| Credit Requirement | Excellent |
Rewards
10x
Earn 10x miles on hotels & rental cars booked through Capital One Travel.
5x
Earn 5x miles on flights booked through Capital One Travel.
2x
Earn 2x miles on all other purchases, every day.
Rewards and Earning Rates
The Capital One Venture X Credit Card offers 2 miles per dollar spent on all purchases and 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel. This straightforward rewards structure makes it easy for cardholders to earn miles on a wide range of spending categories.
Sign-Up Bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual Fee
The Capital One Venture X Credit Card comes with a significant annual fee, which may be a consideration for potential applicants. However, the range of benefits and rewards offered by the card can help offset the fee for those who frequently travel and make use of the card’s features.
Travel Benefits
The card offers a suite of travel benefits, including:
- $300 annual travel credit, which can be used towards bookings made through Capital One Travel.
- Priority Pass Select membership, granting access to over 1,300 airport lounges worldwide.
- Global Entry or TSA PreCheck fee credit, which covers the application fee for either program every four years.
- Complimentary upgrades and benefits with participating hotel and rental car partners.
- No foreign transaction fees on purchases made outside the United States.
Additional Perks
The Capital One Venture X Credit Card also offers several additional benefits, such as:
- Travel and purchase protection, including trip cancellation and interruption insurance, baggage delay insurance, and extended warranty protection.
- 24/7 concierge service, providing assistance with travel bookings, restaurant reservations, and more.
- Cell phone protection, which covers eligible devices against theft or damage when the cardholder pays their monthly cell phone bill with the card.
Drawbacks
The main drawbacks of the Capital One Venture X Credit Card include the high annual fee and the fact that some premium travel benefits, such as airline-specific perks or hotel elite status, may be absent. Additionally, the rewards earning rate on everyday purchases may be lower compared to some other travel rewards cards.
Chase Freedom Unlimited
Key Features
No annual fee Intro 0% APR Travel insurance
Consider the Chase Freedom Unlimited card if you’re looking for a travel rewards credit card with no annual fee. You’ll enjoy a 0% introductory APR, 1.5% cash back on all purchases, which can be converted to travel rewards, and a bonus of $200 after spending $500 within the first three months.
| Intro APR | 0% for 15 months |
| Variable APR | 19.49%-28.24% |
| Annual Fee | $0 |
| Intro Offer | $200 |
| Credit Requirement | Good - Excellent |
5% Earn 5% cash back on travel purchased through Chase Unlimited Rewards.
3% Earn 3% points on dining, including eligible delivery services and takeout.
3% Earn 3% cash back on drugstore purchases.
Rewards and Earning Rates
The Chase Freedom Unlimited Card offers 1.5% cashback on all purchases with no earning caps or category restrictions. This straightforward rewards structure makes it easy for cardholders to earn cashback on a wide range of spending categories without needing to track specific bonus categories.
Sign-Up Bonus
$200 bonus plus 5% grocery store offer – up to $800 total cash back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Annual Fee
The Chase Freedom Unlimited Card has no annual fee, which makes it an attractive option for those seeking a cashback credit card without the added cost of an annual fee.
Travel Benefits
While the card is primarily a cashback card, it does offer some basic travel benefits, including:
- Travel and emergency assistance services, providing help with medical and legal referrals, as well as other travel-related emergencies.
- Roadside assistance, which offers services such as towing, jump-starts, and tire changes for a flat fee per service call.
Additional Perks
The Chase Freedom Unlimited Card also offers several additional benefits, such as:
- Purchase protection, which covers eligible purchases against damage or theft for up to 120 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
Drawbacks
The main drawbacks of the Chase Freedom Unlimited Card include the lack of bonus categories that offer higher cashback rates and the absence of some premium travel benefits found on higher-tier credit cards. Additionally, the card charges foreign transaction fees, making it less suitable for international travel.
Chase Freedom Unlimited
Consider the Chase Freedom Unlimited card if you’re looking for a travel rewards credit card with no annual fee. You’ll enjoy a 0% introductory APR, 1.5% cash back on all purchases, which can be converted to travel rewards, and a bonus of $200 after spending $500 within the first three months.
Key Features
No annual fee Intro 0% APR Travel insurance
| Intro Offer | $200 |
| Intro APR | 0% for 15 months |
| Variable APR | 19.49%-28.24% |
| Annual Fee | $0 |
| Credit Requirement | Good - Excellent |
Rewards
5%
Earn 5% cash back on travel purchased through Chase Unlimited Rewards.
3%
Earn 3% points on dining, including eligible delivery services and takeout.
3%
Earn 3% cash back on drugstore purchases.
Rewards and Earning Rates
The Capital One Venture X Credit Card offers 2 miles per dollar spent on all purchases and 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel. This straightforward rewards structure makes it easy for cardholders to earn miles on a wide range of spending categories.
Sign-Up Bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual Fee
The Capital One Venture X Credit Card comes with a significant annual fee, which may be a consideration for potential applicants. However, the range of benefits and rewards offered by the card can help offset the fee for those who frequently travel and make use of the card’s features.
Travel Benefits
The card offers a suite of travel benefits, including:
- $300 annual travel credit, which can be used towards bookings made through Capital One Travel.
- Priority Pass Select membership, granting access to over 1,300 airport lounges worldwide.
- Global Entry or TSA PreCheck fee credit, which covers the application fee for either program every four years.
- Complimentary upgrades and benefits with participating hotel and rental car partners.
- No foreign transaction fees on purchases made outside the United States.
Additional Perks
The Capital One Venture X Credit Card also offers several additional benefits, such as:
- Travel and purchase protection, including trip cancellation and interruption insurance, baggage delay insurance, and extended warranty protection.
- 24/7 concierge service, providing assistance with travel bookings, restaurant reservations, and more.
- Cell phone protection, which covers eligible devices against theft or damage when the cardholder pays their monthly cell phone bill with the card.
Drawbacks
The main drawbacks of the Capital One Venture X Credit Card include the high annual fee and the fact that some premium travel benefits, such as airline-specific perks or hotel elite status, may be absent. Additionally, the rewards earning rate on everyday purchases may be lower compared to some other travel rewards cards.
American Express Platinum Credit Card
Key Features
Generous welcome offer Long list of travel benefits Annual travel credits No foreign transaction fees
The American Express Platinum credit card is a premium travel rewards card, offering a host of luxurious benefits and travel perks for cardholders willing to pay the high annual fee.
| Intro Offer | 80,000 miles |
| Intro APR | N/A |
| Variable APR | 20.74%-28.74% |
| Annual Fee | $695 |
| Credit Requirement | Good to Excellent |
5x Earn 5x membership Rewards on flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.
5x Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel.
1x Earn 1x on other purchases
Rewards and Earning Rates
The American Express Platinum credit card offers 5 Membership Rewards points per dollar spent on flights booked directly with airlines or through American Express Travel, as well as 5 points per dollar spent on prepaid hotels booked through amextravel.com. All other purchases earn 1 point per dollar spent. These competitive earning rates make the card ideal for frequent travelers looking to maximize their rewards.
Sign-Up Bonus
Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
The American Express Platinum credit card comes with a hefty annual fee, which may deter potential applicants. However, for those who can take full advantage of the card’s perks, the fee may be justified.
Travel Benefits
The card offers an impressive suite of travel benefits, including:
- Airport Lounge Access – Cardholders have access to over 1,300 airport lounges worldwide, including the prestigious Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs (when flying with Delta).
- $200 Airline Fee Credit – Each calendar year, cardholders can receive up to $200 in statement credits for incidental fees charged by a selected qualifying airline.
- Global Entry or TSA PreCheck Fee Credit – Cardholders are eligible for a statement credit to cover the application fee for either Global Entry or TSA PreCheck every four years.
- Hotel Status – The card offers automatic Gold status with both Marriott Bonvoy and Hilton Honors loyalty programs.
- Fine Hotels & Resorts – Cardholders enjoy exclusive perks, such as room upgrades, complimentary breakfast, and late check-out, when booking through American Express Fine Hotels & Resorts.
- No Foreign Transaction Fees – The card charges no foreign transaction fees on purchases made outside the United States.
Additional Perks
The American Express Platinum credit card also offers additional benefits, such as:
- $200 Annual Uber Credit – Cardholders receive up to $200 in annual Uber credits, divided into monthly allotments, which can be used for both rides and Uber Eats orders.
- $100 Annual Saks Fifth Avenue Credit – Cardholders receive up to $100 in statement credits annually for purchases made at Saks Fifth Avenue or saks.com, split into two $50 credits.
- Purchase Protection – The card offers protection on eligible purchases against damage or theft for up to 90 days from the date of purchase.
- Extended Warranty – Cardholders receive an extended warranty on eligible purchases, adding up to one additional year to the original manufacturer’s warranty.
Drawbacks
The primary drawbacks of the American Express Platinum credit card are the high annual fee and limited rewards earning potential on non-travel purchases. Additionally, not all merchants accept American Express, which could be inconvenient for some cardholders.
AMEX Platinum Credit Card
The American Express Platinum credit card is a premium travel rewards card, offering a host of luxurious benefits and travel perks for cardholders willing to pay the high annual fee.
Key Features
Generous welcome offer Long list of travel benefits Annual travel credits No foreign transaction fees
| Intro Offer | 80,000 miles |
| Intro APR | N/A |
| Variable APR | 20.74%-28.74% |
| Annual Fee | $695 |
| Credit Requirement | Good - Excellent |
Rewards
5x
Earn 5x membership Rewards on flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.
5x
Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel.
1x
Earn 1x Membership Rewards Points on other purchases.
Rewards and Earning Rates
The Capital One Venture X Credit Card offers 2 miles per dollar spent on all purchases and 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel. This straightforward rewards structure makes it easy for cardholders to earn miles on a wide range of spending categories.
Sign-Up Bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual Fee
The Capital One Venture X Credit Card comes with a significant annual fee, which may be a consideration for potential applicants. However, the range of benefits and rewards offered by the card can help offset the fee for those who frequently travel and make use of the card’s features.
Travel Benefits
The card offers a suite of travel benefits, including:
- $300 annual travel credit, which can be used towards bookings made through Capital One Travel.
- Priority Pass Select membership, granting access to over 1,300 airport lounges worldwide.
- Global Entry or TSA PreCheck fee credit, which covers the application fee for either program every four years.
- Complimentary upgrades and benefits with participating hotel and rental car partners.
- No foreign transaction fees on purchases made outside the United States.
Additional Perks
The Capital One Venture X Credit Card also offers several additional benefits, such as:
- Travel and purchase protection, including trip cancellation and interruption insurance, baggage delay insurance, and extended warranty protection.
- 24/7 concierge service, providing assistance with travel bookings, restaurant reservations, and more.
- Cell phone protection, which covers eligible devices against theft or damage when the cardholder pays their monthly cell phone bill with the card.
Drawbacks
The main drawbacks of the Capital One Venture X Credit Card include the high annual fee and the fact that some premium travel benefits, such as airline-specific perks or hotel elite status, may be absent. Additionally, the rewards earning rate on everyday purchases may be lower compared to some other travel rewards cards.
Chase Sapphire Preferred Card
Key Features
Lucrative rewards program Generous welcome offer Travel benefits and rewards No foreign transaction fees 
The Chase Sapphire Preferred is popular among travelers due to its big sign-up bonus, versatile rewards program, and travel perks.
| Intro Offer | 60,000 points |
| Intro APR | N/A |
| Variable APR | 20.74% to 27.74% |
| Annual Fee | $95 |
| Credit Requirement | Good to Excellent |
5x Earn 5x points on travel purchased through Chase Ultimate Rewards.
3x Earn 3x points on dining, including eligible delivery services and takeout.
2x Earn 2x points on all other travel purchases.
Rewards and Earning Rates
The Chase Sapphire Preferred Card offers 2 points per dollar spent on travel and dining purchases and 1 point per dollar spent on all other purchases. Additionally, cardholders receive a 25% bonus when redeeming points for travel through the Chase Ultimate Rewards portal, effectively increasing the value of the points earned.Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening*Opens Overlay — that’s $750 toward travel when you redeem through Chase Ultimate Rewards. This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.Annual Fee
The Chase Sapphire Preferred Card has a moderate annual fee, which may be a consideration for potential applicants. However, the benefits and rewards offered by the card can easily offset the fee for those who maximize their card usage.Travel Benefits
The card offers several travel benefits, including:- Primary rental car insurance, which provides coverage against theft and collision damage when the cardholder declines the rental company’s insurance.
- Baggage delay insurance, which covers essential purchases if the cardholder’s luggage is delayed by more than 6 hours.
- Trip delay reimbursement, which covers expenses incurred due to a delayed or canceled trip.
- Travel and emergency assistance services, providing help with medical and legal referrals, as well as other travel-related emergencies.
Additional Perks
The Chase Sapphire Preferred Card also offers a few additional benefits, such as:- Purchase protection, which covers eligible purchases against damage or theft for up to 120 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
Drawbacks
The primary drawbacks of the Chase Sapphire Preferred Card include the annual fee and the lack of some premium travel benefits found on higher-tier credit cards, such as airport lounge access or travel credits. Additionally, the rewards earning rates on non-travel and non-dining purchases are lower compared to some other rewards cards.Chase Sapphire Preferred Card
The Chase Sapphire Preferred is popular among travelers due to its big sign-up bonus, versatile rewards program, and travel perks.
Key Features
Lucrative rewards program Generous welcome offer Travel benefits and rewards No foreign transaction fees
| Intro Offer | 60,000 miles |
| Intro APR | N/A |
| Variable APR | 20.74%-27.49% |
| Annual Fee | $95 |
| Credit Requirement | Good - Excellent |
Rewards
5x
Earn 5x points on travel purchased through Chase Ultimate Rewards.
3x
Earn 3x points on dining, including eligible delivery services and takeout.
2x
Earn 2x points on all other travel purchases.
Rewards and Earning Rates
The Chase Sapphire Preferred Card offers 2 points per dollar spent on travel and dining purchases and 1 point per dollar spent on all other purchases. Additionally, cardholders receive a 25% bonus when redeeming points for travel through the Chase Ultimate Rewards portal, effectively increasing the value of the points earned.
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening*Opens Overlay — that’s $750 toward travel when you redeem through Chase Ultimate Rewards.
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.
Annual Fee
The Chase Sapphire Preferred Card has a moderate annual fee, which may be a consideration for potential applicants. However, the benefits and rewards offered by the card can easily offset the fee for those who maximize their card usage.
Travel Benefits
The card offers several travel benefits, including:
- Primary rental car insurance, which provides coverage against theft and collision damage when the cardholder declines the rental company’s insurance.
- Baggage delay insurance, which covers essential purchases if the cardholder’s luggage is delayed by more than 6 hours.
- Trip delay reimbursement, which covers expenses incurred due to a delayed or canceled trip.
- Travel and emergency assistance services, providing help with medical and legal referrals, as well as other travel-related emergencies.
Additional Perks
The Chase Sapphire Preferred Card also offers a few additional benefits, such as:
- Purchase protection, which covers eligible purchases against damage or theft for up to 120 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
Drawbacks
The primary drawbacks of the Chase Sapphire Preferred Card include the annual fee and the lack of some premium travel benefits found on higher-tier credit cards, such as airport lounge access or travel credits. Additionally, the rewards earning rates on non-travel and non-dining purchases are lower compared to some other rewards cards.
AMERICAN EXPRESS GOLD CARD
Key Features
Lucrative rewards program Generous welcome offer Travel benefits Flexible Redemption Options
The American Express Gold Card provides rewards for dining and grocery shopping, along with travel perks and a substantial sign-up bonus.
| Intro Offer | 60,000 points |
| Intro APR | N/A |
| Variable APR | 20.49%-27.49% |
| Annual Fee | $250 |
| Credit Requirement | Good to Excellent |
4x Earn 4x points at restaurants worldwide, plus delivery and takeout.
4x Earn 4x points on groceries at U.S. supermarkets.
3x Earn 3x points on flights booked directly with airlines on amextravel.com.
Rewards and Earning Rates
The American Express Gold Card offers 4 points per dollar spent at restaurants (including takeout and delivery) and U.S. supermarkets (on up to $25,000 per calendar year, then 1 point per dollar), 3 points per dollar spent on flights booked directly with airlines or through American Express Travel, and 1 point per dollar spent on all other purchases. This rewards structure makes the card particularly valuable for those who spend heavily on dining and groceries.
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 6 months from account opening.
Annual Fee
The American Express Gold Card comes with a moderate annual fee, which may be a consideration for potential applicants. However, the range of benefits and rewards offered by the card can help offset the fee for those who frequently spend on dining, groceries, and travel.
Travel Benefits
The card offers a suite of travel benefits, including:
- $100 annual airline fee credit, which can be used towards incidental fees, such as checked bags or in-flight refreshments, on a selected qualifying airline.
- $120 annual dining credit, which is provided in monthly $10 statement credits when the card is used at participating dining partners.
- Access to The Hotel Collection, which offers benefits such as room upgrades and on-property credits at participating properties.
- No foreign transaction fees on purchases made outside the United States.
Additional Perks
The American Express Gold Card also offers several additional benefits, such as:
- Purchase protection, which covers eligible purchases against damage or theft for up to 90 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
- Access to American Express Experiences, which provides exclusive access to ticket presales and member-only events.
Drawbacks
The main drawbacks of the American Express Gold Card include the annual fee and the fact that some premium travel benefits, such as airport lounge access or travel credits, may be absent. Additionally, the rewards earning rate on non-dining, non-grocery, and non-travel purchases may be lower compared to some other rewards cards.
AmeX Gold Card
The American Express Gold Card provides rewards for dining and grocery shopping, along with travel perks and a substantial sign-up bonus.
Key Features
Lucrative rewards program Generous welcome offer Travel benefits Flexible Redemption Options
| Intro Offer | 60,000 miles |
| Intro APR | N/A |
| Variable APR | 20.49%-28.49% |
| Annual Fee | $250 |
| Credit Requirement | Good - Excellent |
Rewards
4x
Earn 4x points at restaurants worldwide, plus delivery and takeout.
4x
Earn 4x points on groceries at U.S. supermarkets.
3x
Earn 3x points on flights booked directly with airlines on amextravel.com.
Rewards and Earning Rates
The Chase Sapphire Preferred Card offers 2 points per dollar spent on travel and dining purchases and 1 point per dollar spent on all other purchases. Additionally, cardholders receive a 25% bonus when redeeming points for travel through the Chase Ultimate Rewards portal, effectively increasing the value of the points earned.
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening*Opens Overlay — that’s $750 toward travel when you redeem through Chase Ultimate Rewards.
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.
Annual Fee
The Chase Sapphire Preferred Card has a moderate annual fee, which may be a consideration for potential applicants. However, the benefits and rewards offered by the card can easily offset the fee for those who maximize their card usage.
Travel Benefits
The card offers several travel benefits, including:
- Primary rental car insurance, which provides coverage against theft and collision damage when the cardholder declines the rental company’s insurance.
- Baggage delay insurance, which covers essential purchases if the cardholder’s luggage is delayed by more than 6 hours.
- Trip delay reimbursement, which covers expenses incurred due to a delayed or canceled trip.
- Travel and emergency assistance services, providing help with medical and legal referrals, as well as other travel-related emergencies.
Additional Perks
The Chase Sapphire Preferred Card also offers a few additional benefits, such as:
- Purchase protection, which covers eligible purchases against damage or theft for up to 120 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
Drawbacks
The primary drawbacks of the Chase Sapphire Preferred Card include the annual fee and the lack of some premium travel benefits found on higher-tier credit cards, such as airport lounge access or travel credits. Additionally, the rewards earning rates on non-travel and non-dining purchases are lower compared to some other rewards cards.
Bank of America Travel Rewards
Key Features
Intro APR of 0% No foreign transaction fees High rewards on every purchase No blackout on travel rewards
The Bank of America Travel Rewards Credit Card is a top choice for earning travel rewards without an annual fee. It provides unlimited 1.5 points per dollar on all purchases and has no foreign transaction fees.
| Intro Offer | 60,000 points |
| Intro APR | N/A |
| Variable APR | 18.24%-28.24% |
| Annual Fee | $0 |
| Credit Requirement | Excellent |
1.5x Earn 1.5 points per dollar spent on all purchases
Rewards and Earning Rates
The Bank of America Travel Rewards Credit Card offers a straightforward earning structure, with 1.5 points per dollar spent on all purchases. This simplicity makes it easy for cardholders to accumulate points without worrying about bonus categories or spending caps. Additionally, Bank of America Preferred Rewards members can earn 25% to 75% more points on every purchase, depending on their tier in the program.Sign-Up Bonus
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchasesAnnual Fee
One of the main attractions of the Bank of America Travel Rewards Credit Card is its $0 annual fee. This feature makes it an appealing option for those who want travel rewards without the burden of an ongoing fee.Travel Benefits
While the card doesn’t offer an extensive suite of travel benefits like some premium travel cards, it does provide some noteworthy features, including:- No Foreign Transaction Fees – The card charges no foreign transaction fees on purchases made outside the United States, making it an excellent option for international travelers.
- Travel Redemption Flexibility – Points can be redeemed for travel purchases, including flights, hotels, car rentals, and more, with no blackout dates or restrictions.
Additional Perks
The Bank of America Travel Rewards Credit Card also offers a few additional benefits, such as:- 0% Introductory APR – The card features a 0% introductory APR on purchases for the first 12 billing cycles, after which a variable APR will apply.
- Purchase Security – The card offers protection on eligible purchases against damage or theft for up to 90 days from the date of purchase.
- Extended Warranty – Cardholders receive an extended warranty on eligible purchases, adding up to one additional year to the original manufacturer’s warranty.
Drawbacks
The primary drawbacks of the Bank of America Travel Rewards Credit Card are its lack of premium travel benefits and its modest rewards earning rate. Cardholders who frequently travel or spend heavily in specific categories may find other travel rewards cards with higher earning potential and additional perks more suitable.Bank of America Travel Rewards
The Bank of America Travel Rewards Credit Card is a top choice for earning travel rewards without an annual fee. It provides unlimited 1.5 points per dollar on all purchases and has no foreign transaction fees.
Key Features
Intro APR of 0% No foreign transaction fees High rewards on every purchase No blackout on travel rewards
| Intro Offer | 60,000 miles |
| Intro APR | N/A |
| Variable APR | 18.24%-28.24% |
| Annual Fee | $0 |
| Credit Requirement | Excellent |
Rewards
1.5x Earn 1.5 points per dollar spent on all purchases
Rewards and Earning Rates
The Chase Sapphire Preferred Card offers 2 points per dollar spent on travel and dining purchases and 1 point per dollar spent on all other purchases. Additionally, cardholders receive a 25% bonus when redeeming points for travel through the Chase Ultimate Rewards portal, effectively increasing the value of the points earned.
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening*Opens Overlay — that’s $750 toward travel when you redeem through Chase Ultimate Rewards.
This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.
Annual Fee
The Chase Sapphire Preferred Card has a moderate annual fee, which may be a consideration for potential applicants. However, the benefits and rewards offered by the card can easily offset the fee for those who maximize their card usage.
Travel Benefits
The card offers several travel benefits, including:
- Primary rental car insurance, which provides coverage against theft and collision damage when the cardholder declines the rental company’s insurance.
- Baggage delay insurance, which covers essential purchases if the cardholder’s luggage is delayed by more than 6 hours.
- Trip delay reimbursement, which covers expenses incurred due to a delayed or canceled trip.
- Travel and emergency assistance services, providing help with medical and legal referrals, as well as other travel-related emergencies.
Additional Perks
The Chase Sapphire Preferred Card also offers a few additional benefits, such as:
- Purchase protection, which covers eligible purchases against damage or theft for up to 120 days from the date of purchase.
- Extended warranty, which adds up to one additional year to the original manufacturer’s warranty on eligible purchases.
Drawbacks
The primary drawbacks of the Chase Sapphire Preferred Card include the annual fee and the lack of some premium travel benefits found on higher-tier credit cards, such as airport lounge access or travel credits. Additionally, the rewards earning rates on non-travel and non-dining purchases are lower compared to some other rewards cards.
