citibank travel miles credit card

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CITI TRAVEL with Booking.com

Introducing citi travel℠: your first stop to your next destination.

Earn ThankYou ® Points when you pay for part, or all, of your trip with your eligible Citi Card through the Citi Travel portal. Plus, you can redeem your points towards even more adventures through the Citi Travel portal. With customizable options and booking right from your Citi Mobile ® App for eligible cardholders, the way to go is now way easier.

Earn More ThankYou ® Points on Select Bookings Through the Citi Travel portal

10x the fun with citi strata premier℠.

Earn a total of 10x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. 1

5X the Fun with Rewards+ ®

Earn a total of 5x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires December 31, 2025. 2

More Points, More Fun with Double Cash ®

Earn a total of 5 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires December 31, 2024. 3

Offer provides 3 additional points on top of the 1 point per dollar on purchases and 1 point per dollar for payments on purchases

Earn More Points with Custom Cash ®

Earn an unlimited additional 4 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires June 30, 2025. 4

Additional Citi Travel Portal Benefits

The citi travel portal offers perks to make your travel booking experience easier and more convenient., access to over 1.4 million hotel and resort options, competitive prices when booking flights, hotels, cars and attractions, 24/7 customer service support for your booking needs.

ThankYou ® Cards Make Every Day More Rewarding

It's easy to earn ThankYou ® Points with Citi credit cards. Find the one that helps you earn the most on your daily spending.

Citi Travel: Frequently Asked Questions

What is the citi travel portal.

Citi Travel is a travel booking portal that gives eligible Citi card members access to book flights, hotels, rental cars, and attractions at competitive prices, along with 24/7 customer support. Additionally, when you book through the Citi Travel portal using ThankYou ® rewards cards, you can earn ThankYou ® points on your travel spending which can then be redeemed to be used on your next journey.

How do I book through the Citi Travel portal?

To book through the Citi Travel portal:

• Login into your Citi Mobile App or directly into the Citi Travel portal using your Citi Online User ID and password.
• After that, search for the flights, hotels, car rentals or attractions you want to book and enter the necessary information (such as number of guests or passengers, travel dates, etc.)
• Confirm your booking and choose whether you want to pay with card, points, or a combination of these purchase options.ns.

Can I use any Citi ® card to book through Citi Travel?

All Citi ThankYou ® Rewards Credit Cards

Citi Travel℠ is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

1 You will earn 10 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Premier Card to book them through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY: 711). For bookings made with a combination of points and your Citi Strata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

2 Earn a total of 5 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM 12/31/2025. You earn 1 ThankYou ® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM 12/31/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+ ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your Citi Rewards+ ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

3 Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024. You earn 1 ThankYou Point per $1 spent on the Citi Travel portal bookings and an additional 1 ThankYou Point per $1 paid on Eligible Payments (as defined in the Citi ThankYou ® Rewards Terms and Conditions for Citi Double Cash ® Card Accounts) made to your Citi Double Cash card account. You will earn an additional 3 bonus ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM Eastern Time (ET) 12/31/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi Double Cash card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

4 Earn an additional 4 Thank You Points per $1 spent on hotel, car rental, and attractions excluding air travel through the Citi Travel℠ portal or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM Eastern Time (ET) 6/30/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Custom Cash ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

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Miles Ahead with Citi PremierMiles Card

Miles ahead with citi premiermiles card -->, accelerate your holiday plans with up to 4 citi miles^^ per s$1 on qualifying foreign currency spend when you are overseas., start your travel adventure with welcome miles of up to 30,000 bonus citi miles * ..

Take flight to

Explore more of what you love with a welcome gift of up to 30,000 bonus Citi Miles*.

Earn 3 Citi Miles* on eligible travel bookings

Spend your way with 45,000 Citi Miles*

Welcome gift of up to 30,000 bonus Citi Miles

Receive up to 30,000 bonus Citi Miles when you spend S$800 in the first 2 months.

Earn bonus miles on your next overseas vacation

From now until 31 January 2024, earn up to 4 Citi Miles^^ per S$1 on qualifying foreign currency spend charged to your Citi PremierMiles Card while overseas.

Simply follow these steps:

Step 1: Enrol now by sending an SMS in the prescribed format CITIPMCFX<space>last 4 digits of your Citi PremierMiles Card number (e.g., CITIPMCFX 1234) to 72484.

Step 2: Make a min. of S$5,000 spend (can be in local and/or foreign currency) on your Citi PremierMiles Card per calendar month between 1 November 2023 and 31 January 2024.

Step 3: While overseas, charge your qualifying foreign currency spend at Point-of-Sale to your Citi PremierMiles Card.

Step 4: Earn up to 4 Citi Miles^^ per S$1 on qualifying foreign currency spend charged to your Citi PremierMiles Card, capped at the first S$5,000* of qualifying foreign currency spend per calendar month, from the month of enrolment between 1 November 2023 and 31 January 2024. *i.e. the maximum Bonus Miles that an Eligible Cardmember will receive under this Promotion is 10,000 Citi Miles each calendar month.

Promotion Terms and Conditions

PLEASE SELECT AN OFFER

Already have a Citi Credit Card?

Why citi premiermiles card.

1.2 Citi Miles # per S$1 local spend 2 Citi Miles # per S$1 foreign currency spend 2 Citi Miles ^^ per S$1 qualifying foreign currency spend while overseas between 1 November 2023 and 31 January 2024. Click here for T&Cs. --> Renewal bonus of 10,000 Citi Miles ^ on your card anniversary

Citi Miles never expire so you can use them whenever you want

Airport Lounge Access

2 complimentary visits** every year to airport lounges worldwide. For more information: Citi PremierMiles Mastercard - Register online for membership. Citi PremierMiles Visa Card - Register online for membership. .

Turn big payments into big rewards with Citi PayAll. Click here to find out more

Travel safely.

Up to S$1 million in insurance coverage when you charge your travel tickets to Citi PremierMiles + .

Use anywhere.

Enjoy the freedom of redeeming your miles with Citi Pay with Points or redeem for cash rebate through SMS

Enjoy maximum freedom on your rewards redemption through Citi ThankYou ™ Rewards. Choose to redeem for Pay with Miles to offset your purchases or redeem attractive vouchers from our Redemption Catalogue via Citi Mobile ® App.

PremierMiles promo

Earn miles faster

From now until 30 June 2023, earn up to 4 Citi Miles^^ per S$1 on qualifying foreign currency spend charged to your Citi PremierMiles Card while overseas.

Simply follow these steps: Step 1: Enrol now by sending an SMS in the prescribed format CITIPMFX<space>last 4 digits of your Citi PremierMiles Card number (e.g., CITIPMFX 1234) to 72484. Step 2: Make a min. of S$5,000 spend (can be in local and/or foreign currency) on your Citi PremierMiles Card per calendar month between 1 March and 30 June 2023. Step 3: While overseas, charge your qualifying foreign currency spend at Point-of-Sale to your Citi PremierMiles Card. Step 4: Earn up to 4 Citi Miles per S$1 on qualifying foreign currency spend charged to your Citi PremierMiles Card, capped at the first S$5,000 * of qualifying foreign currency spend per calendar month, from the month of enrolment between 1 March and 30 June 2023. * i.e. the maximum Bonus Miles that an Eligible Cardmember will receive under this Promotion is 10,000 Citi Miles each calendar month.

Great Giveaways

Download or log in to the Citi Mobile ® App now.

Citi PremierMiles Card Promotions

Spend & Get Promotion

Earn up to 4 Citi Miles^ per S$1 eligible spend ^Terms & Conditions Apply Valid till 31 December 2020 Show Details

Earn up to 4 Citi Miles* per S$1 of Eligible Spend Promotion from now until 31 December 2020. Terms and Conditions apply.

SMS to enroll now!

To enrol in this exclusive promotion, SMS PMSPEND <space><last 4 digits of your Citi PremierMiles Card> to 72484.

If you are overseas and wish to enrol, SMS PMSPEND <space><last 4 digits of your Citi PremierMiles Card> to +65 96572484.

*Promotion Terms and Conditions

Earn up to 4 Citi Miles^^ per S$1 on qualifying foreign currency spend when you are overseas Valid from 1 November 2023 to 31 January 2024. T&Cs apply Find out more

Citi ThankYou SM Rewards Promotion

From now until 29 Feb 2024, enjoy 25% off * when you use Pay with Points to offset your purchases or redeem attractive vouchers from our Redemption Catalogue this Lunar New Year. T&Cs apply * .

Earn 10 Citi Miles per S$1 spent on kaligo.com/bonus-miles Valid till 31 December 2024. T&Cs apply Book now Book Now -->

· Earn 10 Citi Miles per S$1 spent on Kaligo.com. Valid till 31 December 2023. Promotion Terms & Conditions

Book at www.kaligo.com/bonus-miles

Earn up to 7 Citi Miles per S$1 spent on hotel bookings worldwide on agoda.com/bonusmiles Valid for bookings made now till 31 December 2024 and for stays until 30 April 2025. T&Cs apply Book now Book Now -->

Travel Deals

Enjoy exclusive hotel, flight and other travel privileges when you plan the perfect unforgettable holiday with Citi PremierMiles Card.

UEFA Champions League 2024

Stand a chance to win a 4-day, 3-night all-inclusive trip to watch the UEFA Champions League Final 2024! T&Cs apply. Tickets courtesy of Mastercard, Official Sponsor of the UEFA Champions League. Learn More

Food Delivery & Home Entertainment

Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment from now until 31 August 2021. Show Details

Enjoy additional rewards on your daily spend!

Be it online or in-store purchases, we’re making your daily spend even more rewarding with Citi Credit Cards. SMS to enrol and get up to 4 Citi Miles* at selected merchants from now until 30 June!

*Terms & Conditions Apply. Click here for promotion details .

3 Citi Miles on Travel Spend

Earn 3 Citi Miles* per S$1 local spend on airline, hotel, cruise and travel bookings Valid till 31 December 2021 Show Details

Earn 3 Citi Miles* per S$1 local spend on airline, hotel, cruise and travel bookings

Spend a min. of S$2,000 per calendar month of Nov and Dec 2021 and charge eligible travel-related bookings in the same calendar month to earn 3 Citi Miles* per S$1 local spend! To participate, SMS PM3MILES<space><last 4 digits of your Citi PremierMiles Card> to 72484 (e.g. PM3MILES 1234). Promotion Terms and Conditions

Get 10% off hotel bookings *Terms & Conditions Apply Show Details

Accelerated Rewards at Expedia on Flights and Hotels • 3 Citi Miles per S$1 spent on www.expedia.com.sg/bonusrewards • Valid till 31 May 2019 Click here for details

10% off hotel bookings on www.expedia.com.sg/citibank • Valid till 31 December 2019 Promo code: CITIEXPSG Click here for details

Top Citi PremierMiles Credit Card Features

Top 6 miles credit card features, citi pay with miles, use your citi miles to pay for any purchase, citi thankyou rewards, redeem and manage your citi miles as you wish, get deals and discounts locally, citi paylite, turn big purchases into small payments with citi premiermiles card, citi flexibill, turn statements into small payments, citi quickcash, instant cash to get things done right away, already a citi credit cardmember.

Get up to S$1,050 Bonus Cash for successful referrals!

Freedom to do more with the new Citi Mobile ® App

Everything at a glance

Activate a new card

Secure your transaction

Lock and unlock your card

Powerful features on demand

See your Citi Miles balance

Calculate your Citi Miles

Where are you going next.

Above destinations are for illustration purposes only. Actual Citi Miles required may differ at time of redemption and actual destinations can be varied depending on frequent flyer programmes of each airline.

Your world of Citi Miles in less than 10 minutes

Get a new Citi PremierMiles credit card from your mobile phone or computer in an easy, paperless signup process

Basic fee of S$196.20 inclusive of 9% GST

Min. income S$30,000 (Singaporean/PR) or S$42,000 (Foreigner) a year

Age 21 or older

Welcome gift of up to 30,000 bonus Citi Miles *

Documents required to apply for a Citi PremierMiles Card

• Documents for Singaporean/PR
• Documents for Foreigner

Salaried employee

• A copy of your NRIC/passport
• Latest original computerized payslip or Tax Notice of Assessment or last 12 months' CPF statements
• Click here to submit your CPF statement online

Self-employed

• Last 2 years’ Income Tax Notice of Assessment
• Last 3 months’ bank statements
• A copy of your passport and work permit (with minimum 6 months validity)
• A copy of utility/telephone bill or bank statement with your name and address
• Income Tax Notice of Assessment and latest original computerized payslip

*Terms & Conditions Apply. For new customer only.

Already a Citi Cardmember?

Refer a friend and get up to S$1,050 Bonus Cash for successful referrals!

Terms and Conditions

• ## Click here for the full terms and conditions of the Citi Great Giveaways contest.

• ^^ Click here to view Citi PremierMiles Card Foreign Currency Spend Promotion Terms & Conditions.

• * Welcome offer eligible for new Citi Cardmembers only with S$800 qualifying spend in the first 2 months. Promotion valid till 31 October 2024. Click here to view the Citi PremierMiles Card 8,000 bonus Citi Miles Welcome Gift Promotion Terms and Conditions.

• * Welcome offer eligible for new Citi Cardmembers only with S$800 qualifying spend in the first 2 months. Promotion valid till 31 October 2024. Click here to view the Citi PremierMiles Card 30,000 bonus Citi Miles Welcome Gift Promotion Terms and Conditions.

• ** Priority Pass membership is on application basis and is reserved for the Principal cardmember only, limited to 2 complimentary visits per calendar year. Every accompanying guest will be considered as 1 visit. Thereafter, US$35 per person per visit (or at the prevailing rate) will be charged to the Citi PremierMiles Card account.(Note: Priority Pass airport lounge charge of US$35 per person per visit may also be charged in a different currency equivalent to US$35 per person per visit.)

• + Up to S$1,000,000 coverage in the event of death or permanent disablement, arising from an accident in a common carrier. For full set of policy terms and exclusions please  click here . (For claims, call HL Assurance Claims at (65) 6922 6003 or email [email protected]).

• ^ upon renewal of your annual membership and payment of the annual fee (S$196.20 inclusive of 9% GST)

• Click here to view the Cardmember's Agreement.

• Click here to view the Cardmember's Agreement. (effective 1 January 2024)

• Click here to view the Cardmember's Agreement (effective 24 July 2023).

• Click here to view the Information Sheet

• Click here to view the Cardmember's Agreement (effective from 12 September 2024)

• Click here to view the Information Sheet. (effective 1 January 2024)

• Click here to view the ABS Credit Card Guide

• Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution

• # Click here for the list of merchants and/or Merchant Category Codes (“MCC”) which will not earn Citi Miles.

•Click here to view interest rates, fees and charges.

Welcome offer of up to 30,000 bonus Citi Miles *

• TERMS & CONDITIONS
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16 Best Travel Credit Cards of September 2024

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.

400+ credit cards reviewed by our team of experts ( See our top picks )

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

27,000+ hours spent researching and reviewing financial products in the last 12 months

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 September 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 Strata Premier℠ Card : Best for Triple points on multiple categories

Capital One VentureOne Rewards Credit Card - Miles Boost : 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

Wells Fargo Autograph Journey℠ Card : Best for Booking directly with airlines/hotels

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, booking directly with airlines/hotels, 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.

Capital One VentureOne Rewards Credit Card - Miles Boost

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

With the Capital One VentureOne Rewards Credit Card - Miles Boost , you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card ( see rates and fees ). Still, the bonus offer makes this a solid card for starting out with travel 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 Journey℠ Card

Our pick for: Booking directly with airlines/hotels

The Wells Fargo Autograph Journey℠ Card stands out among general-purpose travel cards because it pays its highest rewards rates on travel bookings made directly with airlines and hotels, rather than requiring you to go through the issuer's travel agency, where prices might not be competitive. The points are flexible, you get a good bonus offer, and the card comes with a few other nice perks. 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 Strata Premier℠ Card

Our pick for: Triple points on everyday categories

The Citi Strata Premier℠ Card earns bonus points on select travel, supermarkets, dining, gas stations and EV 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 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 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 .

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 August 23 , 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

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Review: Citi PremierMiles Card

The Citi PremierMiles Card's transfer partner variety, lounge access and travel insurance make it a solid option, though it's lost its Citi PayAll trump card.

Here’s The MileLion’s review of the Citi PremierMiles Card ,  launched all the way back in July 2007 and still going strong. 

Initially positioned as a premium product with a minimum income requirement of S$80,000 (cardholders were even invited to join Citigold for a year, with a reduced AUM requirement!), this eventually gravitated towards the mass market, and today is available to anyone who meets the MAS-mandated minimum of S$30,000 per annum. 

But unless you’re a snob, more accessible doesn’t mean less desirable. With a solid welcome offer, a wide variety of transfer partner and lounge access, the Citi PremierMiles Card can be a very compelling tool in your miles kit regardless of SES.

However, with the nerfing of Citi PayAll, I wouldn’t consider this card to be anywhere as essential as this time last year. 

Overview: Citi PremierMiles Card

Let’s start this review by looking at the key features of the Citi PremierMiles Card.

The Citi PremierMiles Card was originally issued on the AMEX, Mastercard and Visa networks. However, the AMEX version was discontinued in 2019, and since April 2020 all new cards have been issued on the Mastercard network only. 

Existing Citi PremierMiles Visa Cards remain valid, and will continue to be replaced/renewed unless you expressly consent to switch to the Mastercard version. 

In any case, there’s very little difference between the Mastercard and Visa. We’ll be referring to the Mastercard version in this review, but everything said here applies to the Visa as well unless explicitly stated.

How much must I earn to qualify for a Citi PremierMiles Card?

The Citi PremierMiles Card has a minimum income requirement of S$30,000,  the MAS-mandated minimum.

If you don’t meet the income requirement, it may be possible to place a S$10,000 fixed deposit with Citibank and get a secured version of the card, with a credit limit of roughly 80-90% of the fixed deposit amount. Visit a Citibank branch if you’d like to explore this option. 

How much is the Citi PremierMiles Card’s annual fee?

The Citi PremierMiles Card has an annual fee of S$196.20 for the principal cardholder, and no fee for supplementary cards.

Cardholders can request a waiver of the first year’s annual fee, although this means they will only be eligible for a smaller sign-up bonus (see next section). Assuming you meet the definition of a new-to-bank customer, I’d strongly recommend paying the first year’s annual fee to enjoy the bigger sign-up bonus. 

Annual fee waivers are at the discretion of Citi, and in my personal experience are fairly easy to obtain.

Should a waiver not be granted, paying the annual fee gets you 10,000 miles in return, which means buying miles at ~ 1.96 cents each. That’s certainly not the lowest price you can buy miles for, though it could still be worth it for some depending on how much you value a mile.

Sign-up bonus

New-to-bank.

From now till 31 July 2024, new-to-bank Citi PremierMiles Cardholders can choose between two sign-up offers:

• 8,000 bonus miles with a minimum spend of S$800, with a first year fee waiver
• 30,000 bonus miles with a minimum spend of S$800, with payment of the S$196.20 annual fee

The S$800 must be spent within the first 2 months after approval, otherwise known as the qualifying period. The qualifying period runs from the approval date and two full calendar months following that. For example, those approved on 15 August 2023 will have until 31 October 2023 to meet the minimum spend.

In other words, you actually have 2-3 months to hit the minimum spend, and should apply as early in the month as possible to maximise your time. 

For the full details, refer to the following post.

Extended: Citi PremierMiles 30,000 miles sign-up bonus

If you already hold any principal Citi credit card, or cancelled one in the past 12 months, there is no sign-up bonus available to you. You will automatically be granted a first year fee waiver.

How many miles do I earn?

Sgd/fcy spending.

Citi PremierMiles Card members earn:

• 1.2 Citi Miles for every S$1 spent in Singapore Dollars (SGD)
• 2 Citi Miles for every S$1 spent in foreign currency (FCY)

1 Citi Mile is worth 1 airline mile, so that’s an equivalent earn rate of 1.2 mpd for local spending, and 2.0 mpd for FCY spending.

These were once respectable rates for its segment, but in recent times, the HSBC TravelOne Card,   DBS Altitude Card and OCBC 90°N Card have leapfrogged the PremierMiles.

All FCY transactions are subject to a 3.25% fee, which is par the course for the market.

With a 3.25% fee, using your Citi PremierMiles Card overseas represents buying miles at 1.63 cents each. 

Bonus miles on Kaligo & Agoda

Citi PremierMiles Cardholders who make hotel bookings through Kaligo by 31 December 2024  will earn an uncapped 10 mpd. The booking can be made for any future stay date. 

Citi PremierMiles Cardholders who make hotel bookings through the special Citi x Agoda landing page  by 31 December 2024  (with stay date up till 30 April 2025) will earn an uncapped 7 mpd. 

Do note that hotel prices for bookings made through Kaligo or the Citi x Agoda website may be inflated, compared to other channels (what’s going on is that Kaligo/Agoda are simply rebating some of the commission they receive from the booking in the form of miles). 

It might still be worth it, depending on the price difference and how much you value a mile. Think of it like buying additional miles when booking a hotel.

While both of these offers technically have end dates, they have been perpetually renewed for the past few years and can be considered evergreen until further notice. 

When are Citi Miles credited? 

Citi Miles are credited when your transaction posts, which generally takes 1-3 working days. 

How are Citi Miles calculated?

Here’s how you can work out the Citi Miles earned on your Citi PremierMiles Card. 

This means the minimum spend required to earn miles is S$1.  Because of this rounding policy, the Citi PremierMiles Card can potentially outperform a “higher-earning” card like the UOB PRVI Miles Card, depending on transaction size. 

If you’re an Excel geek, here’s the formulas you need to calculate: 

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

• General Spending Cards
• Specialised Spending Cards

What transactions aren’t eligible for Citi Miles?

The full list of ineligible transactions for Citi Miles can be found in the general Citi rewards T&Cs. 

I’ve highlighted a few noteworthy categories below:

• Quasi cash transactions (MCC 6529-6540)
• Utilities payments (MCC 4900)
• Insurance (MCC 6300)
• Real  Estate Agents and Managers (MCC 6513)
• Hospitals (MCC 8062)
• Educational Institutions (MCC 8211-8299)
• Professional Services and Membership Organizations (MCC 8651-8661)
• Government Services (MCC 9000-9999)
• Top-ups to prepaid accounts like GrabPay and YouTrip

For the avoidance of doubt, Citi PremierMiles Cardholders will earn rewards for CardUp transactions, though they may prefer to use Citi PayAll instead. 

Citi PremierMiles Cardholders will also earn miles when they pair their card with Amaze, but since Amaze converts all transactions to SGD, they’ll be earning at the 1.2 mpd local rate.

What do I need to know about Citi Miles?

Citi Miles never expire , so long as your card account is kept open. This isn’t a license to hold on to them indefinitely (since all airline frequent flyer programmes will, over time, devalue), but does give you some breathing room.

Citibank has a policy of not pooling points across cards .

If you have 12,000 Citi Miles on the Citi PremierMiles Card and 25,000 ThankYou points on the Citi Rewards Card , you will have to pay two separate conversion fees. This also means that you’ll need to transfer all your points out before cancelling the card, or else forfeit them.

Partners and Transfer Fee

Citibank offers a wide variety of transfer partners, with 11 airline and hotel loyalty programmes to choose from. This includes some programmes with good value sweet spots like  British Airways Executive Club, Qatar Privilege Club and  Turkish Miles&Smiles . 

Points transfer at a 1:1 ratio, with a minimum transfer block of 10,000 miles. 

Transfers cost S$27.25 per programme, regardless of how many points are transferred.

Transfer Times

Citibank tells customers that points transfers will take 14 business days, but in reality it’s usually 24-48 hours for KrisFlyer, or 2-4 working days for other programmes.

If you need your points credited instantly, you can move them via Kris+ at a rate of 4,000 Citi Miles = 3,400 KrisPay miles. KrisPay miles can then be instantly converted to KrisFlyer miles at a 1:1 ratio. 

There are pros and cons to this:

• Minimum conversion block is reduced to 4,000 Citi Miles, versus 10,000 Citi Miles if converting via Citibank’s rewards portal
• Transfers from Citi to Kris+ and Kris+ to KrisFlyer are instant
• Those 4,000 Citi Miles would normally be worth 4,000 KrisFlyer miles, so a 15% haircut is incurred

If you choose to do so nonetheless, do remember that it’s a two-step process:

• Transfer Citi Miles to KrisPay miles
• Transfer KrisPay miles to KrisFlyer miles

Do not forget the second step! If you wait more than seven days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a poor ratio of 150 miles = S$1. 

Other card perks

Two free lounge visits.

The Citi PremierMiles Card offers cardholders two free visits per calendar year, via Priority Pass.

Note that the allowance is tracked by  calendar year. This is notably different from most other travel cards, which award free lounge visits by membership year .

In other words, if you get a Citi PremierMiles Card towards the end of the year, you could enjoy four lounge visits in quick succession (e.g. in December then January, since your allowance resets on 1 January). 

Only the principal cardholder is entitled to this benefit. Lounge entitlements can be shared with a guest, but once you exhaust your free visits you’ll be charged US$32 per additional visit. 

Here’s how this compares to other cards in its segment.

Buy miles with Citi PayAll

Citi PayAll is a platform that allows Citibank cardholders to pay various types of bills and earn rewards points.   23 different categories of payment are currently supported:

You’ll need to pay an admin fee, but historically speaking, Citi PayAll has run promotions that upsized the earn rate or threw in additional Grab vouchers, making it almost too good to be true- once up on a time we were buying miles at just 0.8 cents each!

Unfortunately, Citi has dialed back the generosity. Its recent promotion for income tax season reduced the cost per mile to “only” 1.31 to 1.62 cents apiece, while the PayAll service fee has been hiked to 2.6%.

Given the standard Citi PremierMiles earn rate of 1.2 mpd, this means you’ll now be paying 2.17 cents per mile outside of a promotion. That’s way too high in my opinion (at the previous 2.2% fee the cost was 1.83 cents per mile, which was already pushing it).

For what it’s worth, Citi PayAll transactions will count towards the minimum spend for welcome offers and other promotions, provided the service fee is paid.

I’ve written a comprehensive guide to Citi PayAll, so be sure to check out the article below. 

Citi PayAll Complete Guide: How to pay bills and earn miles

Complimentary travel insurance

Complimentary travel insurance is offered by numerous cards, but not all policies are made equal. Some offer bare bones coverage, others are much more comprehensive. 

Fortunately, the Citi PremierMiles Card falls into the latter category. Its HL Assurance-underwritten policy offers up to S$1,000,000 for accidental death and permanent disablement, S$40,000 for medical expenses, S$100,000 for emergency medical evacuation, and coverage for travel inconveniences like lost or delayed luggage. 

COVID-19 medical expenses and hospital allowance are also provided for.

Coverage is activated when you use your Citi PremierMiles Card to pay for your round-trip airfare, or to pay for the taxes and surcharges on an award ticket.

Terms and Conditions

• Citi PremierMiles Card Terms and Conditions
• Citi rewards exclusion list

Summary Review: Citi PremierMiles Card

Last year, I argued that the Citi PremierMiles Card just about snuck into the “take it” category, but a large part of that was owing to the insane Citi PayAll promotions we were seeing. 

With those looking like a thing of the past, and the service fee now at an all-time-high of 2.6%, this drops squarely into the “take it or leave it” bracket, like any other general spending card.

On the plus side, it offers non-expiring Citi Miles that transfer to 11 different airline and hotel partners, two lounge visits per year, and reasonably good travel insurance. However, this is tempered by the fact that the earn rates are middling and Citi doesn’t pool points.

All in all, I don’t think I’d consider it essential anymore. If you’re after transfer partners, you’re better off spending with the Citi Rewards Card and its 4 mpd for almost all online transactions, and if it’s lounge visits you’re after, the HSBC TravelOne Card offers double the allowance and a bigger welcome offer for the same annual fee. 

So that’s my review of the Citi PremierMiles Card. What do you think?

• card review
• citi premiermiles
• credit cards

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Shopback plus: should you pay for extra cashback, heymax changes cash-for-miles redemption process, 43 comments.

It’s a shame that the new cards are all issued under MC no more under visa network…. No chance for grab top up points 🙁

Lounge for 1st year only. Thereafter if U pay the card annual fee maybe U entitle to the lounge.

You get the 2 lounge visits every year regardless of whether you pay af

Hi Aaron, I was wondering, if we do not want miles for annual fee, can we get a waiver for annual fee?

Yes, worked for me for the past 6 years. Though I had to formally request to cancel the card one year before the waiver was granted.

sure, at citi’s discretion

Yes, I’ve been doing for the past few years.

I was also able to get the annual fee waived and keep the miles because I was charging a fair bit on the card.

This series is great! What other cards are in the pipeline?

a lot…although i’m holding off on the hsbc and boc cards until they make their T&C changes. i’m feeling dbs altitude and uob prvi miles for the next 2.

Next review: DBS Altitude card please! 😀

Appreciate this review!

Hi Aaron,   U have any article that shares how to get the best deal out of which transfer partner for premier miles?

https://milelion.com/2019/06/03/british-airways-new-avios-chart-is-out-and-heres-how-the-sweet-spots-have-changed/

https://milelion.com/2018/12/24/good-value-star-alliance-bookings-with-turkish-airlines-miles-and-smiles/

https://milelion.com/2018/06/26/finding-the-sweet-spots-among-etihads-23-award-charts/

 i just noticed that there is no more Sign-Up Bonuses if u sign up through Singsaver…..

not correct- sign-up bonus continues to be available via Singsaver

edit: the sign up bonus for new-to-bank customers where you pay the annual fee and get up to 40k (37.3k now) miles is valid via SS

the other offer where you ask for a waiver and get up to 10k miles is not

Drop me an email via contact us and I’ll ask Singsaver to look at your case

Do you mean the 1st year annual fee waiver offer where you get 13200 bonus miles does not stack with singsaver bonus?

My first CC and I still use it frequently.

Are we able to earn miles paying insurance through ipaymy?

Updates to Citi Asia miles?

Noticed this in the Citi PM T&C: asia miles is 1 Citi Mile = 0.4 Asia Miles

4.3 The cardmember can use Citi Miles to redeem for FFP miles/points at the redemption rate of 1 Citi Mile = 1 FFP mile (except for Asia Miles FFP where the redemption rate is 1 Citi Mile = 0.4 Asia Miles). 

this is from the 2012 T&Cs file.

Do grab top ups using premiermiles Visa still earn miles?

hi Aaron, since PM card is transitioning from Visa to MC, upon card expiry and renewal, will citi keep our miles and uphold the never expire miles?

if your card is switched from visa to mc, your points will be transferred accordingly

Does this card award miles for grab top ups and paying grB transactions?

Is paying the annual fee for the 10000 miles worthed it? I mean if we earn 1.2mpd wouldn’t paying $193 = 231 miles only? I know I’m thinking too simply but I really do not understand. Some other review sites say these 10000 miles only have a value of $100 but for example if I buy spend $100 locally on retail wouldn’t that get me 102 miles only? Appreciate if you could help enlighten me

Thank you for the update. Anyone has experience booking hotel through Kaligo with Citibank card? My hotel bookings were in early March but the 10 miles has yet to be given out. As of now, I only received the base points of 1.2miles.

I use this card for Kaligo a lot. You have to phone in every time to ask them to credit the bonus milesbut they do award 10Mpd, provided you booked through their dedicated link

Is this statement really correct? “Existing Visa cards can continue to be used until expiry. ”

I had an expiring Citi Visa card. I called to ask for a Visa card replacement and they gave one to me with no problems. The CSO told me that unless the customer gave the consent for a Mastercard replacement, they would still give out Visa.

My expired Visa card was automatically replaced with a new one. For what it is worth, I have both the Mastercard and Visa version—the former paired with Amaze as a card of last resort.

do they pool?

Which is more lucrative, running it through Amaze card to pay in SGD or charge it directly in FCY for this card?

Am I required to pay the annual fee for the first year in order to receive the 10,000 miles?

is there a cap to the number of miles per month/transection? ie is this card good for adhoc large spends

Does adding Citi Premier to Apply Pay means no miles can be earned?

Citi not pooling points is a huge neg for them. Would get more of their cards if this was made possible.

Hi Aaron, CitiBank has extend the sign up bonus to 31st July 2024. https://www.citibank.com.sg/pdf/credit-cards/travel/premiermiles-card/welcome-offer.pdf

thanks, will update the post

Citi credit cards have very frequent unauthorized use. I have reported more than 5 times within 6 months. Anyone have this problem? Now I have to lock my cards in app and unlock to use it, very troublesome

Happened twice to me as well. Also once on DBS. Looks like widespread issue

Is there any point to getting this card if you already have a Citi Prestige?

Hi sir, could I check with you, it appears that Citi PremierMiles no longer qualifies for free travel insurance? https://www1.citibank.com.sg/credit-cards/travel/complimentary-travel-insurance

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ALREADY A CARDHOLDER?

Special limited-time offer:

Earn up to 75,000 bonus miles terms apply, special limited-time offer: earn up to 75,000 bonus miles terms apply.

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Offers available if you apply here today. Offers may vary and these offers may not be available in other places where the cards are offered.

All your travel needs.

Earn 75,000 American Airlines AAdvantage® bonus miles plus travel benefits

Bonus miles earned after $3,500 in purchases within the first 4 months of account opening, citi® / aadvantage® platinum select® world elite mastercard®, $0 intro annual fee for the first year , then $99 *, variable purchase apr: 21.24% – 29.99% *, *pricing details.

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American Airlines AAdvantage® MileUp® Mastercard®

Earn 15,000 american airlines aadvantage® bonus miles with our no annual fee credit card*, bonus miles earned after $500 in purchases within the first 3 months of account opening, bonus miles earned after $500 in purchases within the first 3 months of account opening, no annual fee *.

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TERMS AND CONDITIONS

Offer availability.

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Platinum Select® account in the past 48 months.

The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

Bonus miles

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account.

First checked bag free

For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled.

Eligible Citi® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi® / AAdvantage® credit card, up to four (4) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Double miles on American Airlines purchases

Eligible American Airlines purchases are items billed by American Airlines as merchant of record booked through American Airlines channels (aa.com, American Airlines reservations, American Airlines Admirals Club®, American Airlines Vacations℠, Google Flights, and American Airlines airport and city ticket counters). Products or services that do not qualify are car rentals and hotel reservations, purchase of elite status boost or renewal, and AA Cargo℠ products and services. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

Double miles at restaurants and gas stations

Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations. Food and beverage purchases made at the American Airlines Admirals Club® will be awarded 2 AAdvantage miles for each $1 spent as part of the Double Miles on American Airlines purchases benefit.

Certain non-qualifying purchases: Restaurant purchases not eligible to receive double miles include, but are not limited to, supercenters, warehouse clubs, discount stores, restaurants / cafes inside department stores, bowling alleys, public and private golf courses, country clubs, convenience stores, movie theaters, caterers and meal kit delivery services. Gas station purchases not eligible to receive double miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores and convenience stores.

Merchant classification for rewards categories: Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional miles. [For example, you won’t earn additional miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note – purchases made through mobile/wireless technology may not earn additional miles depending on how the technology is set up to process the purchase.

Citi® reserves the right to determine which purchases qualify for this offer. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) do not earn miles. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

1 mile per $1

AAdvantage® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Miles may be earned on purchases made by primary credit cardmembers and authorized users. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

Preferred boarding

For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation as the Citi® / AAdvantage® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.

Eligible credit cardmembers will board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

$125 American Airlines Flight Discount

Earn a $125 American Airlines Flight Discount certificate (the “Flight Discount”) after you spend $20,000 or more in purchases that post to your Citi® / AAdvantage® Platinum Select® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs), the anniversary month will coincide with the month in which the annual fee is billed. To receive the Flight Discount, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. The Flight Discount expires one year from date of issue of the certificate. The Flight Discount is redeemable toward the initial ticket purchase of air travel wholly on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. for itineraries originating in the U.S., Puerto Rico, or U.S. Virgin Islands, and sold in US Dollars. The Flight Discount is also redeemable for air travel on any oneworld® carrier or American Airlines codeshare flight. The Flight Discount is redeemable online at aa.com, or by calling American Airlines Reservations. A reservations services fee may apply for travel booked through American Airlines Reservations. The Flight Discount is redeemable only toward the purchase of the base airfare and directly associated taxes, fees and charges that are collected as part of the fare calculation for travel. The Flight Discount cannot be used to pay the taxes and charges on mileage redemption tickets where only taxes and fees are being collected. The Flight Discount may not be used for flight products and/or services that are sold separately or non-flight products and/or services sold by American Airlines. If the ticket price is greater than the value of the Flight Discount, the difference must be paid only with a credit, debit or charge card, or with American Airlines Gift Cards. Any unused balance can be applied towards eligible future travel until the stated expiration date. If travel booked with the Flight Discount is cancelled or changed by the credit cardmember, the Flight Discount will be forfeited and the credit cardmember will be responsible for any applicable fare difference and the applicable change fee. The Flight Discount will not be replaced for any reason. The Flight Discount is non-refundable, may not be sold and has no cash redemption value. After qualification, please allow 8-12 weeks for delivery of the Flight Discount.

25% savings on eligible inflight purchases

Citi® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage® card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

Authorized user

Before adding an authorized user to your credit card account you should know:

You’re responsible for all charges made or allowed to the credit card account by the authorized user. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the authorized user. Authorized users have access to your credit card account information. Before adding an authorized user, you must let him/her know that we may report credit card account performance to the credit reporting agencies in the authorized user’s name. If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law. Authorized users do not receive the first checked bag free or boarding benefits.

Fraud Disclosure

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your Citi® / AAdvantage® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using your account other than for personal, family or household purposes.

Card Account Disclosure

The Card Account is only available if you have an open AAdvantage® program membership in your name. Citi reserves the right to cancel your Card Account if you or American Airlines terminates or deactivates your AAdvantage® program membership.

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time without notice, and to end the AAdvantage® program with six months’ notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage Million Miler℠ status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit aa.com/aadvantage » .

Travel booked on American Airlines may be American Eagle® service, operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

American Airlines, American Eagle, AAdvantage, AAdvantage Million Miler, MileSAAver, Business Extra, Flagship, Admirals Club, Platinum Pro, AAdvantage MileUp, AA Cargo, the Flight Symbol logo and the Tail Design are marks of American Airlines, Inc.

one world is a mark of the one world Alliance, LLC.

Citibank is not responsible for products or services offered by other companies. Cardmember program terms are subject to change.

Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.

© 2021 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

American Airlines AAdvantage MileUp® Mastercard®

Statement credit and American Airlines AAdvantage® bonus miles are not available if you have received a statement credit or American Airlines AAdvantage® bonus miles for a new AAdvantage MileUp® account in the past 48 months.

Double miles on grocery store purchases

Earn 2 AAdvantage miles for each $1 spent on purchases at grocery stores. Grocery stores are classified as supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, specialty vendors, and bakeries.

Certain non-qualifying purchases: You won’t earn double miles for purchases at general merchandise/discount superstores, wholesale/warehouse clubs, candy/confectionery stores, cafes, bars, lounges, and fast food restaurants.

Merchant classification for rewards categories: Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional miles. [For example, you won’t earn additional miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note – purchases made through mobile/wireless technology may not earn additional miles depending on how the technology is set up to process the purchase.

AAdvantage MileUp® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their AAdvantage MileUp® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

No mileage cap

There is no maximum number of American Airlines AAdvantage® miles that you can accumulate through your Citi® / AAdvantage® credit card account.

You’re responsible for all charges made or allowed to the credit card account by the authorized user. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the authorized user. Authorized users have access to your credit card account information. Before adding an authorized user, you must let him/her know that we may report credit card account performance to the credit reporting agencies in the authorized user’s name. If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months.

Eligible Citi® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on domestic itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi® / AAdvantage® card, up to eight (8) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Enhanced airport experience

For benefits to apply, the Citi® / AAdvantage® Executive World Elite Mastercard® account must be open 7 days prior to air travel AND reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled. Citi® / AAdvantage® Executive credit cardmembers will have the following benefits: priority check-in (where available), priority airport screening (where available), and priority boarding privileges. The priority boarding benefit will display on your American Airlines boarding pass as Group 4.

These benefits apply when traveling on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. Up to eight (8) companions traveling with the eligible primary credit cardmember will also get priority check-in (where available), priority airport screening (where available), and priority boarding privileges if they are listed in the same reservation. You may check in at any Business Class check-in position or First Class check-in when Business Class is not available, regardless of the class of service in which you are traveling on American Airlines.

These benefits will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Exclusive lanes at security checkpoints are available, subject to TSA approval. Applicable terms and conditions are subject to change without notice.

Citi® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

Admirals Club® membership and credit card authorized user access

Only Citi® / AAdvantage® Executive World Elite Mastercard® primary credit cardmembers who are eighteen (18) years of age or older will receive full membership access privileges to Admirals Club® lounges. An authorized user of the Citi® / AAdvantage® Executive World Elite Mastercard® who is eighteen (18) years of age or older will receive access privileges to American Airlines Admirals Club® lounges. Full Admirals Club® membership privileges do not apply to a credit card authorized user. An Admirals Club® membership includes access to other airline lounges and clubs with which American Airlines may have reciprocal lounge or club access privileges. Membership also includes special pricing on conference rooms and other special offers that are available exclusively to Admirals Club® members. Neither membership nor the credit card authorized user access benefit provides access privileges to the Arrivals Lounge, International First Class Lounges, or Flagship® Lounge facilities, including Flagship® First Dining. Additionally, the credit card authorized user access benefit does not provide: (i) access privileges to other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges; or (ii) special pricing on conference rooms or other special offers. To locate a current list of Admirals Club® lounges please visit aa.com/admiralsclub » .

To access an Admirals Club® lounge, primary credit cardmembers and credit card authorized users must present: (i) their (a) active and valid Citi® / AAdvantage® Executive World Elite Mastercard® or (b) with respect to primary credit cardmembers only, AAdvantage® number; (ii) their current government-issued I.D.; and (iii) a boarding pass for same-day travel on an eligible flight, which includes any departing or arriving flight that is (1) marketed or operated by American Airlines, (2) marketed and operated by any oneworld® carrier, or (3) marketed and operated by Alaska Airlines; and (iv) any additional documentation required by American Airlines. Either immediate family members (spouse or domestic partner and children under eighteen (18) years of age) or up to two (2) guests traveling with the primary credit cardmember or authorized user may be admitted for free when accompanied by the primary credit cardmember or authorized user. Family members and guests must present a same-day boarding pass for an eligible flight as defined above. All persons must be of valid drinking age, based on applicable law, to consume alcohol.

If the primary credit cardmember is an Admirals Club® member on the date his or her Citi® / AAdvantage® Executive World Elite Mastercard® credit card account is approved by Citi® and has sixty (60) or more days remaining on such current Admirals Club® membership, he or she is eligible to receive a prorated refund from American Airlines for any unused portion of his or her current Admirals Club® membership fee. The refund will be a prorated amount of the annual membership fee calculated based on the number of days remaining on such primary credit cardmember’s current Admirals Club® membership as of the date his or her Citi® / AAdvantage® Executive World Elite Mastercard® credit card account is approved by Citi®. Refunds will be automatically made in the original form of payment within twelve (12) weeks of becoming a Citi® / AAdvantage® Executive World Elite Mastercard® credit cardmember. Memberships redeemed with Business Extra points, Lifetime Admirals Club® members and AirPass members with Admirals Club® privileges are not eligible for a refund.

Upon closure of the Citi® / AAdvantage® Executive World Elite Mastercard® account, all Admirals Club® benefits and access associated with the account will be immediately terminated, including, but not limited to, all benefits afforded to credit card authorized users. All Admirals Club® membership rules, terms and conditions apply. AMERICAN AIRLINES RESERVES THE RIGHT TO MODIFY ANY OR ALL RULES, TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY AND INCORPORATED INTO THIS AGREEMENT. BY ACCESSING ANY ADMIRALS CLUB® LOUNGE YOU SHALL BE DEEMED TO HAVE ACCEPTED THE ADMIRALS CLUB® TERMS AND CONDITIONS. To review the complete Admirals Club® membership terms and conditions, visit aa.com/admiralsclub » .

Global Entry or TSA PreCheck® application fee credit

Citi® / AAdvantage® Executive World Elite Mastercard® credit cardmembers are eligible to receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee. Credit cardmembers must charge the application fee to their Citi®/ AAdvantage® Executive credit card to qualify for the statement credit. Credit cardmembers will receive a statement credit for the first program (either Global Entry or TSA PreCheck®) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA PreCheck®. Please allow 1-2 billing cycles after the qualifying Global Entry or TSA PreCheck® fee is charged to the eligible account for the statement credit to be posted to the account. Only fees associated with either the Global Entry or the TSA PreCheck® application fee will be eligible towards the statement credit.

For information on Global Entry, visit globalentry.gov. For information on TSA PreCheck®, visit tsa.gov. Applications are made directly with these organizations, and this information is not shared with Citi, nor does Citi have access to Global Entry or TSA records. Citi does not share account information with Global Entry or TSA. Decisions to approve/deny applications are made solely by these organizations, and Citi has no influence over these decisions. Citi is not notified of approvals or denials of applications.

TSA PreCheck® is a registered trademark of the Department of Homeland Security.

CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® account in the past 48 months.

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements. Miles may be earned on purchases made by primary credit cardmember and employee cardmembers. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account.

For benefit to apply, the CitiBusiness® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled.

Eligible CitiBusiness® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the CitiBusiness® / AAdvantage® card, up to four (4) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Benefit does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Double miles on purchases in select business categories

Earn 2 AAdvantage® miles per $1 spent on purchases at certain telecommunications merchants, car rental merchants, cable and satellite providers, and at gas stations. Telecommunications merchants are classified as merchants that sell telecommunications equipment such as telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long-distance telephone calls and fax services. Car rental merchants are classified as providers of short-term or long-term rentals of cars, trucks, or vans. Cable and satellite providers are classified as merchants that provide the connection and ongoing delivery of television, internet (computer network, information services, email website hosting services) telephone and radio programming via cable or satellite on a subscription or fee basis. Gas stations are classified as merchants that sell fuel primarily for consumer use and may or may not be attended.

Certain non-qualifying purchases: Car rental purchases not eligible to receive double miles include purchases at merchants that rent motor homes or other recreational vehicles and purchases made through travel agencies, tour operators and online third party travel sites, and charges paid on car rental redemptions through RocketMiles. Gas station purchases not eligible to receive double miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores and convenience stores.

Citi® reserves the right to determine which purchases qualify for this offer. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) account do not earn miles. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8–10 weeks.

For benefit to apply, the CitiBusiness® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation as the CitiBusiness® / AAdvantage® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.

Eligible CitiBusiness® / AAdvantage® credit cardmembers board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

25% savings on eligible inflight purchases of food and beverage

CitiBusiness® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their CitiBusiness® / AAdvantage® card. Savings do not apply to any other inflight purchases. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

25% savings on inflight Wi-Fi purchases

Receive a 25% savings when you use your CitiBusiness® / AAdvantage® Platinum® Select credit card for the purchase of inflight Wi-Fi service from American Airline’s Wi-Fi merchants Gogo, Viasat, or Panasonic, and on American Airlines’ Wi-Fi Subscription Plan. This benefit applies to flights marketed and operated by American Airlines or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

American Airlines Companion Certificate

The primary credit cardmember will earn a $99 domestic economy fare American Airlines Companion Certificate after you spend $30,000 or more in purchases that post to your CitiBusiness® / AAdvantage® Platinum Select® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs) the anniversary month will coincide with the month in which the annual fee is billed. To receive the Companion Certificate, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. After these conditions are met, please allow at least 8-10 weeks for availability of the Companion Certificate. You must have an open AAdvantage® account for the Companion Certificate to be awarded to your account and to redeem the certificate. When used according to its terms, the primary credit cardmember will pay a $99 companion ticket fee plus $21.60 to $43.20 in government taxes and fees, depending on itinerary, for one round trip qualifying domestic economy fare ticket for a companion when an individual round trip qualifying domestic Main Cabin fare ticket is purchased and redeemed through American Airlines Meeting Services. Travel must be booked and purchased in select Main Cabin inventory. The certificate must be redeemed and all travel completed by midnight of the Travel Expiration Date shown on the certificate. Valid for travel on flights within the 48 contiguous United States on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. For residents of Alaska and Hawaii, the companion certificate is also valid for round-trip travel originating in either of those two states and continuing to the 48 contiguous United States. For residents of U.S. Virgin Islands and Puerto Rico, companion certificate eligible travel is also defined as round-trip travel originating in either of those two territories and continuing to the 48 contiguous United States. The Companion Certificate is not redeemable for air travel on any oneworld® carrier or on an American Airlines codeshare flight. Applicable terms and conditions are subject to change without notice. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the certificate.

Employees may be added to the account as authorized users. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not to the authorized user. You must pay us for all charges made or allowed by authorized users. Authorized users are able to get account information. Authorized users must be employees or contractors of your business. You need the authorized user’s permission to give us any information about them that we request and to allow us to share information about them as allowed by applicable law. This includes information we may get from you, any authorized user and others. It also includes information about their transactions on the account.

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your CitiBusiness® / AAdvantage® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using the account other than for business purposes.

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READY WHEN YOU ARE

Earn never-expiring miles with the Citi PremierMiles Mastercard.

No Citi credit card yet? Know more about our welcome gift here .

Key benefits of PremierMiles Card

1 PremierMile for every PHP30 spend

Convert your miles to redeem airline miles (1.6 PremierMiles = 1 mile) for your future travels or redeem cash credits (5 PremierMiles = 1 PHP) that you can use to offset your next purchase.

Never-expiring miles; use anytime you want

Citi PremierMiles Mastercard features

Citi PremierMiles ongoing promotions

ONLINE CARD FEATURES

Pay for your bills with Citi One Bill® and make payments usually paid through a local bank account with Citi PayAll.

DINE SO FINE

Dine from the comfort of your home by ordering take out or delivery from your favorite restaurants, plus pay a lot less.

LOVE TO CLICK

Enjoy exclusive online shopping deals with your Citi PremierMiles Card and have these delivered to you.

Your world of Citi PremierMiles in less than 15 minutes

Get a new Citi PremierMiles Mastercard ® from your mobile phone or computer in an easy, paperless signup process. A deposit account with Citi is not required.

Annual membership fee of PHP5,000. First year free.

Minimum income of PHP360,000 per year

Age 21 or older  

Welcome gift of 30,000 never-expiring miles

Documents required to apply for a Citi PremierMiles Card

Required Documents: 1 photo-bearing government-issued ID ^

^ For resident foreigners, Foreign Government-issued passport and Alien Certificate of Registration issued by the Bureau of Immigration are acceptable IDs for resident foreigners and must be submitted with any of the following proofs of local residency: a. Immigrant Certificate of Residency (ICR) b. ACR-I-Card with Visa status "Permanent", otherwise, should be valid for more than 1 year c. Visa and Work Permit/Alien Employment Permit (AEP) with validity of more than 1 year d. Special Resident Investors Visa (SRIV) e. Special Resident Retirement Visa (SRRV) f. If employed with the Top 2000 companies, employment contract or letter from company HR printed on company letterhead with name, position and confirmation of term.

Note: valid TIN, SSS, GSIS or UMID number and active landline or mobile phone number are required.

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^ For resident foreigners, Foreign Government-issued passport and Alien Certificate of Registration issued by the Bureau of Immigration are acceptable IDs for resident foreigners and must be submitted with any of the following proofs of local residency: a. Immigrant Certificate of Residency (ICR) b. ACR-I-Card with Visa status "Permanent", otherwise, should be valid for more than 1 year c. Visa and Work Permit/Alien Employment Permit (AEP) with validity of more than 1 year d. Special Resident Investors Visa (SRIV) e. Special Resident Retirement Visa (SRRV) f. If employed with the Top 2000 companies, employment contract or letter from company HR printed on company letterhead with name, position and confirmation of term

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Enjoy 2 complimentary  Valet Parking  visits every month across the UAE.

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Citi Premier

AED 500  cash back subject to min spend criteria of AED 15,000 in 90 days.

Access to over  1,100 airport lounges  with the MasterCard Travel Pass app.

Flat  30% off 4 movie tickets  at VOX Cinemas every month.

Complimentary golf  once a month at some of the finest courses in the UAE.

AED 500 Joining bonus statement credit

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AED 150  cash back subject to min spend criteria of AED 7,500 in 90 days.

No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.

Redeem points for  cash rebate or travel related spend.

Flat  30% off 2 movie tickets  at VOX Cinemas every month.

AED 150 Joining bonus statement credit

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AED 150 Joining bonus statement credit  upon meeting min spend criteria of AED 7,500 in 90 days.

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Get a higher credit limit, up to 6X of your monthly income or up to AED 175,000 , whichever is lower.

Repay as per the monthly repayment schedule or repay all at once without any early loan settlement fee.

No annual fee in year 1. From year 2 onwards the card is free unless a min annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.

Instant cash access up to 100% of credit limit

** T&Cs apply. 15% is annual rate and is applicable during the term of the 1 st  loan booked on Ready Credit Card within 1 month of card approval. Applicable only for new Citi customers.

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Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.

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10 Best Credit Cards for Wedding Expenses of 2024

Mary Beth Eastman

Credit & Credit Card Expert

Mary Beth is a freelance writer for Newsweek’s personal finance team. She specializes in explaining the ins and outs of mortgages and other loans, helping people to use debt wisely and build their credit. Based in Pittsburgh, Pa., Mary Beth is a proud alumna of Bowling Green State University, where she volunteers on the board of the Falcon Media alumni group.

Claire Dickey

Senior Editor

Claire is a senior editor at Newsweek focused on credit cards, loans and banking. Her top priority is providing unbiased, in-depth personal finance content to ensure readers are well-equipped with knowledge when making financial decisions. 

Prior to Newsweek, Claire spent five years at Bankrate as a lead credit cards editor. You can find her jogging through Austin, TX, or playing tourist in her free time.

Updated August 22, 2024 at 12:58 pm

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The best credit card for wedding expenses rewards you for the type of spending you’ll do when wedding planning and will be useful as you start your married lives together. Considering the average cost of a wedding in the U.S. is $33,000 , that’s a lot of points, miles or cash back you could earn on your big day.

Before choosing a wedding credit card, decide how you want to spend the rewards you earn— travel upgrades on your honeymoon, perhaps? Or cash back to boost your new household budget? Take a look at any welcome bonuses, too, and consider whether a card with a 0% introductory APR offer is right for you as you settle into the newlywed phase.

Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. At Newsweek, we’ve developed a common language to talk about the value of points and miles: our valuations.

Our valuations translate points into dollars and cents in a way that reflects reality. They are based on actual data across a balance of accessible redemption options, not just the aspirational first and business class redemptions that require a PhD in miles and points to book. The upshot is that our valuations help you understand the actual value you can easily get from your miles and points.

• Best Overall: Chase Sapphire Preferred® Card
• Best for 0% APR: Wells Fargo Reflect® Card
• Best Welcome Bonus: Capital One Venture X Rewards Credit Card
• Best for Flat-Rate Cash Back: Wells Fargo Active Cash® Card

Best for No Annual Fee: Capital One SavorOne Cash Rewards Credit Card

• Best for a DIY Wedding: Blue Cash Everyday® Card from American Express
• Best for Hotel Venues: Marriott Bonvoy Brilliant® American Express® Card
• Best for a Luxury Honeymoon: The Platinum Card® from American Express
• Best for Newlywed Travel and Dining: American Express® Gold Card

Best for Miscellaneous Wedding Expenses: Discover it® Miles

Best credit cards for wedding expenses of 2024, best overall.

Chase Sapphire Preferred® Card

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

Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

Why We Chose It

The Chase Sapphire Preferred Card is an all-around winner for engaged couples, rewarding you for purchases and offering plenty of travel benefits for the honeymoon. You’ll earn 1X Ultimate Rewards points on every purchase, 2X points on general travel and 3X points on dining, including takeout and eligible delivery services. Spend $4,000 in the first three months from account opening, and you’ll earn 60,000 bonus points worth $750 when you redeem them for travel through Chase Travel℠. You’ll also get a $50 hotel credit annually for hotel stays booked through Chase Travel.

Pros and Cons

• Get 25% more value for your points when booking travel through Chase Travel
• Includes travel and purchase protections
• No extra charge for  authorized users
• $95 annual fee
• Variable APR is higher than some other cards
• General purchases only earn 1X points

Best for 0% APR

Wells Fargo Reflect® Card

It takes a lot of prep and planning to host a wedding, and you may not have the cash to pay for everything upfront. A 0% APR card like the Wells Fargo Reflect lets pay for the wedding of your dreams while giving you almost two years to pay it off without incurring interest (0% intro APR on purchases and balance transfers for 21 months). After that, your variable APR will be 18.24%, 24.74% or 29.99%.

• One of the longest intro APR offers on the market
• Roadside dispatch and cell phone protection (subject to a $25 deductible)
• Lower variable APR range available if you qualify
• No rewards program
• 3% foreign transaction fee
• Other benefits are relatively limited

Best Welcome Bonus

Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Engagement rings, music and flowers, formal attire—if you plan to spend at least $4,000 on wedding expenses, you could put them on your Capital One Venture X Rewards Credit Card over the course of the first three months from account opening and earn 75,000 miles. You can also earn 10,000 bonus miles on your account anniversary (each year when you pay the annual fee and renew your card) and a $300 annual travel credit for bookings through Capital One Travel—something else to celebrate when you’re digging wedding cake out of the freezer.

• Sizable welcome bonus for eligible cardholders
• Includes travel credits and airport lounge access
• No foreign transaction fees
• $395 annual fee
• Fees for late payments, balance transfers and cash advances
• Travel credit must be used in Capital One’s travel portal

Best for Flat-Rate Cash Back

Wells Fargo Active Cash® Card

When planning a wedding, you might not want the fuss of also planning your purchases around credit card rewards categories. The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases, so you can use it on anything you need for your nuptials and still earn solid rewards.

• Unlimited 2% cash rewards on purchases
• No annual fee
• Intro APR offer on purchases and qualifying balance transfers
• Limited benefits beyond cash back
• Limited redemption options

Best for No Annual Fee

Capital One SavorOne Cash Rewards Credit Card

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

The Capital One SavorOne Cash Rewards Credit Card is a no-annual-fee rewards card that is especially suited to the kinds of expenses you’ll have as you prepare for your big day. For instance, covering the rehearsal dinner at a restaurant can earn 3% cash back, while shaking off the pre-wedding jitters at a hotel the night before can earn 5% cash back, so long as you book your stay through Capital One Travel.

• No annual fee or foreign transaction fee
• Intro APR offer on purchases and balance transfers
• $200 cash bonus earned when you spend $500 on purchases within the first three months
• Grocery rewards exclude Walmart and Target
• Limited travel rewards categories
• Other purchases earn just 1% cash back

Best for a DIY Wedding

See Rates & Fees

Blue Cash Everyday® Card from American Express

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

With the Blue Cash Everyday Card from American Express , you’ll earn 3% cash back at U.S. supermarkets and on U.S. online retail purchases, on up to $6,000 in eligible purchases per year in each category (then 1% cash back). That can help you earn extra rewards, whether you’re making your own floral arrangements, buying centerpieces and decor online or stocking up on ingredients to make hors d’oeuvres for your guests. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

• Solid cash back rewards on U.S. supermarket purchases and U.S. online retail purchases
• May qualify with good credit as it’s recommended for those with good to excellent credit
• 2.7% foreign transaction fee ( see rates and fees )
• $6,000 spending cap on boosted rewards categories (then 1% cash back)
• Superstores or warehouse clubs aren’t included in the U.S. supermarket category

Best for Hotel Venues

Marriott Bonvoy Brilliant® American Express® Card

Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Whether you’re hosting in your hometown or planning a destination wedding, Marriott Bonvoy Brilliant credit card holders can scoop up plenty of extra perks and points. Eligible wedding events at participating Marriott properties, for example, can see general Bonvoy members earn up to 60,000 Bonvoy points per event, and bonus earnings may apply as you’ll get automatic Marriott Bonvoy Platinum Elite status by holding the card.

• Bonus Marriott Bonvoy points for eligible weddings
• Free Night Award every year after your card renewal month for stays with hotels participating in Marriot Bonvoy (up to 85,000 points for one night)
• Annual $300 Brilliant dining credit (up to $25 per month in statement credits)
• $650 annual fee
• Bonvoy points may not be available for your event or venue
• Limited ongoing value beyond future Marriott bookings

Best for a Luxury Honeymoon

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

You and your partner can honeymoon comfortably thanks to the perks you’ll get as an Amex Platinum card member. You can transfer your Amex Membership Rewards points to several airlines and hotels and kick off your travels by relaxing together at one of 1,400 airport lounges. You can also access various airline and hotel statement credits to further improve your travel experience.

• Up to $200 in annual hotel statement credits each year for stays booked with Amex Fine Hotels + Resorts or The Hotel Collection through American Express Travel using your card (minimum two-night stay required for The Hotel Collection stays)
• Up to $200 in annual airline fee statement credits each year when you charge incidental fees with a single chosen airline to your card
• One of the best cards with airport lounge access
• $695 annual fee
• Only earns 1X points on eligible non-travel purchases
• $195 annual fee for each additional card member ( see rates and fees )

Best for Newlywed Travel and Dining

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

With the American Express® Gold Card , you can earn 4X American Express Membership Rewards points per dollar spent every time you dine at a restaurant worldwide for date night (on up to $50,000 in purchases per calendar year, then 1X) or shop at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X). Plus, you earn 3X points per dollar spent when you book air travel directly with an airline or through amextravel.com as well as 2X points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Spend your points on getaways together by booking through the portal or transferring your points to one of Amex’s transfer partners .

• Dining-related statement credits available
• Solid mix of food and travel-related rewards rates
• No foreign transaction fees ( see rates and fees )
• $325 annual fee
• Dining statement credits only apply to select partners
• Allows you to carry a balance for certain charges, but not all

Best for Miscellaneous Wedding Expenses

Discover it® Miles

We’ll match all the Miles rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods.

You don’t need to commit to one airline or hotel brand with the Discover it® Miles card; you can redeem your miles as a statement credit for any travel purchase in the previous 180 days. Discover will also match all your mile earnings after your first year of holding the card.

• Earn 1.5X miles on every purchase
• Redeem miles as statement credits or cash
• No point transfers to travel partners
• Lack of travel insurance protections
• Discover still isn’t accepted in some places, such as Costco

A Closer Look at the Best Credit Cards for Weddings

Best overall: chase sapphire preferred card.

Why we love this card: The Chase Sapphire Preferred Card offers a slew of rewards, including dining and travel-related rewards categories and even 5X points on Peloton equipment and accessory purchases over $150 (up to 25,000 total points now through March 31, 2025)—perfect if you want to get fit for your wedding. We especially like the additional travel protections, including trip cancellation/interruption insurance, baggage delay insurance and emergency assistance while traveling. Your eligible purchases may also be protected with extended warranty coverage and purchase protection.

Who should have this in their wallet: This card is a great fit for couples looking to earn rewards on wedding-related expenses they can then spend on travel, whether for a honeymoon or trips together as newlyweds. With robust travel protections and a points boost on travel booked through Chase Travel, you’ll have all angles covered with this card—and your spouse-to-be can be added as an authorized user for no additional fee.

Other cards to consider: Some couples might prefer the Chase Sapphire Reserve® , which offers similar benefits to the Preferred but with a $300 annual travel credit, heightened rewards categories and complimentary Priority Pass Select membership. The Reserve card charges a $550 annual fee (plus $75 per authorized user).

Best for 0% APR: Wells Fargo Reflect Card

Why we love this card: With its extra-long introductory APR, the Wells Fargo Reflect card gives you plenty of time to pay off your big-day purchases. You’ll get 21 months from account opening at a 0% intro APR (on purchases and balance transfers), then a 18.24%, 24.74% or 29.99% variable APR.

Who should have this in their wallet: The Reflect card is best for people who need extra time to pay off their wedding expenses without interest. It’s also suitable for couples who aren’t interested in rewards, as you won’t earn any with this card.

Other cards to consider: Another card to consider with a long intro APR period is the U.S. Bank Visa® Platinum Card . You also won’t earn rewards, but this card may tip in your favor if you want a slightly lower balance transfer fee .

Best Welcome Bonus: Capital One Venture X Rewards Card

Why we love this card: If you can meet the $4,000 minimum spending requirement in the first three months to earn the welcome bonus on the Capital One Venture X, you’ll earn 75,000 miles. These miles are worth $750 towards travel purchases, though you can get significantly more value by transferring them to one of the high-value airline or hotel transfer partners. We also like that this card includes airport lounge access and a Global Entry or TSA PreCheck fee credit .

Who should have this in their wallet: The Venture X charges a lower annual fee compared to other premium credit cards for travel, making it a good fit for couples who are excited to travel but don’t want to spend as much on an annual fee.

Other cards to consider: If you like the Venture X but the $395 annual fee is still too high, check out the Capital One Venture Rewards Credit Card . There’s a limited-time welcome offer: enjoy $250 to use on Capital One Travel in your first cardholder year and 75,000 miles are earned after spending $4,000 within the first three months of account opening but for a $95 annual fee.

Best for Flat-Rate Cash Back: Wells Fargo Active Cash Card

Why we love this card: The flat 2% cash rewards rate you get with the Wells Fargo Active Cash is hard to beat among flat-rate cash back cards. We also appreciate the card’s intro APR on purchases and balance transfers, which gives you time to pay off wedding expenses without incurring interest charges.

Who should have this in their wallet: If you’re the type to go short and sweet with your vows, you’ll probably appreciate the simplicity of the Active Cash card, too. This card could also be a good fit for rewards maximizers who already earn boosted rewards in other categories but want a backup card that earns 2% back on everything else.

Other cards to consider: Another solid cash back card with no annual fee includes the Citi Double Cash® Card , which earns up to 2% cash back on all purchases—1% when you buy and 1% when you pay off your purchase.

Why we love this card: There’s a lot to love about this card: 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus travel and purchase protections, concierge service and travel accident insurance. We also appreciate its flexible redemption options, including shopping with rewards and redeeming via PayPal.

Who should have this in their wallet: The Capital One SavorOne is a good fit for engaged couples who dine out often and regularly spend on entertainment, as they’ll continue to earn in those categories after the wedding. It’s also a good pick for those who could use extra time to pay off wedding expenses, as the card offers an intro APR on purchases.

Other cards to consider: If the SavorOne doesn’t align with your usual spending, consider the Chase Freedom Unlimited® , which has no annual fee and offers 1.5% cash back on every purchase (plus rewards on eligible travel, qualifying Lyft rides, dining and drugstore purchases). Another option for no annual fee is the Discover it® Miles, which earns 1.5X miles on purchases and features an intro APR on purchases and balance transfers.

Best for a DIY Wedding: Blue Cash Everyday Card from American Express

Why we love this card: You’re likely to get value from the Blue Cash Everyday long after your wedding thanks to its 3% cash back rates on everyday spending categories, including at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations (on up to $6,000 in yearly spending in each category, then 1% cash back). That cash back (received in the form of Reward Dollars) can be redeemed either as a statement credit or on Amazon.com at checkout. We also like the monthly Home Chef and Disney Bundle credits and its intro APR on purchases and balance transfers.

Who should have this in their wallet: This card is a good fit for couples who plan to spend at U.S. supermarkets or U.S. online retailers to prep for their wedding day. Plus, it’s available to those with less-than-excellent credit.

Other cards to consider: If the spending caps are throwing you off, another option for shopping online for wedding supplies is the Prime Visa . This card has no annual fee and earns 5% cash back at Amazon.com, Amazon Fresh and Whole Foods Market. The Wells Fargo Active Cash is another strong option, earning you 2% cash rewards on purchases, no matter which retailer you use.

Best for Hotel Venues: Marriott Bonvoy Brilliant American Express Card

Why we love this card: The Marriott Bonvoy Brilliant is a co-branded American Express credit card with stellar Marriott perks, including Platinum Elite status that gets you welcome gifts with every stay, late checkouts and complimentary room upgrades (when available at select properties and booked with a Qualifying Rate). The card also features a variety of premium hotel perks and airport lounge access.

Who should have this in their wallet: The Bonvoy Brilliant is a card for Marriott loyalists. You’ll earn some of the most points on Marriott stays and get the best value when you redeem your points for additional stays.

Other cards to consider: For a Hilton venue, the Hilton Honors American Express Aspire Card offers premium hotel perks and high rewards rates when you spend at participating Hilton hotels or resorts.

All information about the Hilton Honors American Express Aspire Card has been collected independently by Newsweek Vault. The Hilton Honors American Express Aspire Card is no longer available through Newsweek Vault.

Best for a Luxury Honeymoon: The Platinum Card from American Express

Why we love this card: The Platinum Card from American Express is a luxury card for luxury travel, offering complimentary elite status with Hilton, Marriott, Avis, Hertz and National Car Rental, trusted traveler program statement credits and a range of travel insurance protections. It also offers a long list of statement credits related to travel, dining, entertainment and more.

Who should have this in their wallet: Honeymooners looking for perks on their post-wedding travel will appreciate the Amex Platinum’s benefits . While it’s possible to get more than $1,500 in value from the card, you’ll want to make sure the steep annual fee is worth it before applying.

Other cards to consider: Alternative cards with premium travel perks include the Chase Sapphire Reserve, which has a slightly lower annual fee ($550), and the Capital One Venture X ($395 annual fee).

Best for Newlywed Travel and Dining: American Express Gold Card

Why we love this card: The American Express Gold Card can let you earn points at home (4X points per dollar spent at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1X points) and away (4X points per dollar spent at restaurants worldwide on up to $50,000 per calendar year in purchases, then 1X points). You can also earn 3X points per dollar spent on flights booked directly with airlines or on AmexTravel.com and 2X points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Plus, you’ll also be covered by a few travel protections* and can use your accrued points to book future travel through the American Express travel portal.

Who should have this in their wallet: Couples who pay for wedding expenses, groceries and date nights with the American Express Gold card can turn their rewards points into a nice couple’s getaway after the wedding by booking through American Express.

Other cards to consider: The Chase Sapphire Preferred is a great mid-tier travel card with a lower $95 annual fee, though you’ll earn slightly lower rates on dining purchases. Its 25% points boost on travel booked through Chase Travel may sway you, though.

Why we love this card: With its flat 1.5X rate on all purchases, the Discover it® Miles makes it easy to earn miles no matter what you’re spending on. You can turn around and redeem those miles at checkout with Amazon or PayPal, apply them as a statement credit on travel purchases or simply redeem them for cash back.

Who should have this in their wallet: With no annual fee and easy-to-understand rewards and redemptions, the Discover it® Miles is one of the best travel credit cards for beginners . You can add your partner as an authorized user and earn miles on their spending, too.

Other cards to consider: The Capital One VentureOne Rewards Credit Card is another no-annual-fee option for earning travel rewards, offering 1.25X miles on all purchases and no foreign transaction fees. If you’d rather earn cash back on your miscellaneous wedding spending, the Bank of America® Unlimited Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card both offer a flat 1.5% cash back.

How To Choose the Right Credit Card for Wedding Expenses

There are so many different costs associated with a wedding, no matter the size—food and drink for your guests, something special to wear and a pair of rings, for starters. Then, there’s the venue, music, decorations and often a honeymoon. The best card for all these expenses will depend on what you prioritize in your wedding budget and what’s most important to you in a credit card.

Given a choice, do you prefer cash back, rewards points or miles? Consider how you’d like to use the rewards you earn (statement credit vs. travel, for example) before you decide between a cash back credit card or a rewards credit card that earns points or miles. Also, keep in mind how your expenses are likely to be categorized—will you focus on a few boosted categories, or do you prefer a flat-rate rewards system?

Welcome Bonus

Many cards offer a welcome bonus, but it typically requires you to spend a set amount on the card within a specified time frame. It’s essential to figure out whether you’ll be able to reach the minimum spending requirement if you’re counting on that bonus for the future.

Annual Fees

Some people are averse to paying for the privilege of carrying a particular card, while others are eager to squeeze the maximum value of a card to offset its annual fee. Consider whether you’re willing to take advantage of enough of a card’s perks to make the annual fee (if there is one) worth it.

Vendor Fees

Unlike everyday spending, wedding expenses may come with additional, unexpected fees. If you’re paying a vendor (such as a DJ or florist) with a credit card, make sure you find out whether they charge a fee to use a credit card—and, if so, whether it’s more or less than any rewards you’d earn by using the card.

It can sometimes take up to around eight weeks for rewards or credits to be applied to your account. If you’re counting on using bonus points, miles, cash back or other benefits at a specific point in the future, leave plenty of time to spend and earn before you plan to redeem them.

Should You Have a Credit Card for Wedding Expenses?

Putting your wedding costs on a credit card is an easy way to track your spending and ensure you’re sticking to your budget. Most vendors accept cards, but keep an eye out for added credit card processing fees. You’ll also get consumer protections when paying by credit card that you aren’t entitled to if you use a loan, cash, debit card or check.

On the other hand, if you can’t afford to pay your wedding costs upfront, be cautious that you aren’t racking up debt before you say “I do.” High-interest credit card debt can start a marriage off on the wrong foot, especially if you don’t have a plan to pay it off. In that case, it might be better to scale down your celebration, explore low-interest personal loans or stick with a 0% APR credit card instead.

Reasons To Use a Credit Card for Wedding Expenses

Earn big rewards.

Big expenses can earn big rewards when you pay by credit card. Wedding expenses are a quick way to earn welcome bonuses, which you can apply toward future travel or redeem as cash back toward your balance.

Get Extra Time To Pay

Another benefit to using a credit card for wedding expenses is that it gives you extra time to pay. Cards with introductory APR offers are perfect for giving yourself more time to pay off your balance.

Frequently Asked Questions

What’s the best credit card for wedding planning.

The best credit cards for wedding expenses usually offer great rewards rates, a solid welcome bonus or an introductory APR—or all three. Look for a card that matches your anticipated spending, and consider whether you’ll have the mental bandwidth to chase rotating categories or complicated redemptions while wedding planning.

What Is a Reasonable Budget for a Wedding?

Ideally, you’ll set aside enough funds as a couple to put toward a wedding that feels celebratory (but manageable). Most importantly, your budget should be affordable based on your current income while leaving room for other savings, investments and debt repayment priorities. After all, it’s one day of the rest of your lives together.

What’s the Most Expensive Part of a Wedding?

According to a 2023 study from The Knot , most couples allot the biggest portion of their wedding budget to the venue (37%), followed by catering (28%), the band (12%) and their wedding rings (9%). Everything else—from photography to attire—makes up the rest. Of course, your budget might vary, but these are helpful benchmarks as you begin planning your own nuptials.

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.

*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.

Editorial Note: 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. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.

Best airline credit cards for families

Editor's Note

Airline credit cards are not created equally, especially if you travel with a family. In a perfect world, traveling families would want an airline credit card that provides perks (such as waived bag fees) that will work for the whole crew, has built-in money-saving perks and offers the ability to earn award miles that are easy to use for family vacations.

Thanks to transferable points programs , such as Chase Ultimate Rewards and American Express Membership Rewards , the days when earning 1 mile per dollar on an airline credit card was the only option to get closer to an airline award redemption are long gone.

These days, competition is fierce, and an airline credit card needs to offer tangible benefits and savings to make it into my wallet. With the needs of a family and valuable wallet real estate in mind, here are our 10 best picks for airline credit cards for families.

How we choose the best airline credit cards for families

While many of the popular airline credit cards generally considered best in class for all consumers will also be the same top cards for families to consider, families have needs that differ a bit from those without children.

For example, families who travel by air often may spend more money in certain purchase categories and need more flexible rewards.

To determine the best credit cards for families, we looked for:

• Cobranded cards from major domestic airlines
• The most flexible, valuable and easy-to-use rewards
• Lucrative welcome bonuses
• Cards that offer families benefits when flying
• Cards that earn extra cash back or bonus points in categories where families frequently spend money

The best credit cards for family air travel

Here are our 10 picks for the best credit cards for family air travel:

• Alaska Airlines Visa Signature® credit card : Best for earning a companion pass
• American Express® Green Card : Best for overall travel purchases
• Bilt Mastercard® : Best for families who pay rent
• Capital One Venture X Rewards Credit Card : Best for lounge access
• Chase Sapphire Preferred® Credit Card : Best for low annual fee
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard® : Best for families who prefer American Airlines
• Delta SkyMiles® Gold American Express Card : Best for Delta family travel
• JetBlue Plus Card : Best for pooling family points
• Southwest Rapid Rewards® Priority Credit Card : Best for Southwest family travel
• United℠ Explorer Card : Best for United family travel

The information for the American Express Green, Citi / AAdvantage Platinum Select World Elite Mastercard and JetBlue Plus cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Having the right card can help you maximize your earnings on airfare and broader travel in general. Most cards on this list have an annual fee under $100, but we included a premium card with lounge access.

The welcome offer values mentioned below are based on TPG's August 2024 valuations .

Alaska Airlines Visa Signature card

Companion passes are a great way to reduce the cost of a family trip. With the Alaska Airlines Visa Signature card , your family can receive a companion pass with the welcome offer and each cardmember year thereafter.

Current welcome offer : New applicants can earn 50,000 bonus miles after spending $3,000 or more on purchases within the first 90 days. Plus, new cardholders can buy one ticket and get one ticket for just the cost of taxes and fees ($0 fare, plus taxes and fees from $23).

Welcome offer value : $775

Standout benefits : You'll earn 3 miles per dollar spent on eligible Alaska Airlines purchases and 1 mile per dollar spent elsewhere.

Cardholders get a free checked bag on Alaska-operated flights for themselves and up to six others on the reservation. Additionally, cardholders get a companion pass every account anniversary after spending $6,000 in the prior anniversary year. The companion certificate allows you to bring a friend or family member on a round-trip Alaska-operated flight in economy for taxes and fees starting from $23.

Annual fee : $95

Why we like it : I particularly love the Companion Fare certificate that comes with this bonus and at each card renewal (after meeting the relevant spending requirements). It is pivotal in making some cash trips affordable — both parents could get an Alaska card and use the Companion Fares to bring two kids along on vacation.

Additionally, you can book award flights starting at just 4,500 miles , making Alaska miles useful for all types of family travelers.

To learn more, read our full review of the Alaska Airlines Visa Signature card .

Apply here: Alaska Airlines Visa Signature card

American Express Green Card

Often overlooked in favor of its higher-end siblings, the American Express® Gold Card and The Platinum Card® from American Express , the Amex Green is worth considering if your family spends a lot on travel.

Current welcome offer : Earn 40,000 bonus points after spending $3,000 on purchases with the card in the first six months of card membership.

Welcome offer value : $800

Standout benefits : Earn 3 Membership Rewards points per dollar spent on travel, transit and at restaurants and 1 point per dollar spent on everything else. You'll also earn up to $199 for a Clear Plus membership and an up to $100 Lounge buddy credit every calendar year. Enrollment is required, and terms apply.

Annual fee : $150

Why it's worth it : You'll earn 3 points per dollar on an extremely broad travel category, including flights, rental cars, hotels, parking, local transit and commuting.

The Amex Green also has annual statement credits of up to $199 for Clear Plus and up to $100 for Lounge Buddy. Both of these perks can come in handy when traveling with your family.

It's also worth noting that children under 18 can access Clear for free when traveling with an adult with a membership, adding further value to this perk. Enrollment is required for select benefits, and terms apply. Membership Rewards points you earn on the card can be transferred to over 20 airline and hotel partners.

Learn more: American Express Green

Bilt Mastercard

If your family rents your home, the Bilt Mastercard (see rates and fees ) is right up your alley.

Current welcome offer : None

Annual fee : $0

Standout benefits : Earn points on rent with no annual fee. Cardholders earn 3 Bilt Points per dollar spent on dining, 2 points per dollar spent on travel and 1 point per dollar spent on other purchases (including rent payments).

These points can be transferred to one of Bilt's 16 airline and hotel partners to get great redemption value. This card also comes with various travel protection and Cellular Telephone Protection.

Why it's worth it : Families who rent can earn points without any fees. These points can be used to book flights with Bilt's transfer partners, like United and Southwest. No other card lets you pay rent without any fees.

The Bilt Mastercard's rewards and benefits are excellent for a card with no annual fee. Bilt also has a rent day bonus on the first of the month, during which you can earn double points on all purchases except rent (up to 1,000 points).

To learn more, read our full review of the Bilt Mastercard .

TPG founder Brian Kelly is a Bilt adviser and investor.

Apply here: Bilt Mastercard

Capital One Venture X Credit Card

While it does have a higher annual fee than other cards we've picked, the Capital One Venture X makes up for it with outstanding benefits.

Current welcome offer : Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months of account opening.

Welcome offer value : $1,388

Standout benefits : Earn 10 miles per dollar spent on hotels and car rentals booked via Capital One Travel , 5 miles per dollar spent on flights and vacation rentals booked via Capital One Travel and 2 miles per dollar spent on all other purchases.

This card provides an up to $300 annual Capital One travel portal credit, lounge access , a Global Entry or TSA PreCheck application fee credit (up to $120) and 10,000 miles every account anniversary. It also has no foreign transaction fees (see rates and fees ).

Annual fee : $395 (see rates and fees )

Why it's worth it : The Venture X earns miles that are very flexible — you can redeem them against travel purchases you've made or transfer to 15-plus airline and hotel partners.

While there are no domestic transfer partners, families can utilize select partners to book award flights on domestic partners like family favorites Air Canada's Aeroplan (with great lap-infant award prices ) and Turkish Airlines Miles&Smiles , saving you a ton of miles when flying partner carriers. The $300 annual travel credit is easy to use and can save your family money on airfare.

Plus, this card gets your family lounge access for you and up to two guests. One parent could be a cardholder and add their partner as an authorized user for no additional cost, meaning you could bring four guests when traveling. You can add up to four authorized users to your card and they would all get the lounge access benefit (see rates and fees ).

To learn more, read our full review of the Capital One Venture X Card .

Apply here: Capital One Venture X

Chase Sapphire Preferred Card

The Sapphire Preferred is one of our most recommended cards, and for good reason.

Current welcome offer : Earn 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening.

Welcome offer value : $1,230

Standout benefits : Earn 5 points per dollar spent on travel booked through Chase Travel℠ , 5 points per dollar spent on Lyft (through March 2025), 3 points per dollar spent on dining, select streaming services and online grocery store purchases (excludes Target, Walmart and wholesale clubs), 2 points per dollar spent on all travel not booked through Chase Travel and 1 point per dollar spent on everything else.

Cardholders enjoy a 10% anniversary points bonus each year, a complimentary DashPass membership with DoorDash (activate by Dec. 31, 2027), an annual $50 hotel credit and a plethora of travel protection in case something goes wrong during your family's next trip.

Why it's worth it : Although it doesn't offer the bells and whistles of the similar (but more expensive) Chase Sapphire Reserve® , the Chase Sapphire Preferred is still a great pick for earning bonus points on travel and dining while enjoying some solid travel protections.

In fact, the Sapphire Preferred is still my most frequent recommendation to those new to points and miles .

In addition to transferring points to partners such as United and Southwest, you can redeem them directly through Chase Travel for 1.25 cents apiece. Families can also earn 5 points per dollar on flights booked through Chase Travel.

This is a nice feature for flights where you find a great cash deal. Plus, you can use your points to save money at theme parks like SeaWorld and Universal Studios. Families can also receive great value on hotels by utilizing Chase transfer partner Hyatt.

This card is the little brother of the Sapphire Reserve and is a solid option with a much lower annual fee and solid earnings. This is a great card for beginners in the points and miles space.

To learn more, read our full review of the Chase Sapphire Preferred .

Apply here: Chase Sapphire Preferred

Citi / AAdvantage Platinum Select World Elite Mastercard

If your family prefers American Airlines but you don't want to spend an exorbitant amount on an annual fee, consider the Citi / AAdvantage Platinum Select.

Current welcome offer : Earn 75,000 bonus miles after spending $3,500 on purchases during your first four months of card membership.

Welcome offer value : $1,275

Standout benefits : You'll earn 2 miles per dollar spent on eligible American Airlines purchases and at restaurants and gas stations. All other spending earns 1 mile per dollar spent.

You'll also receive a 25% discount on inflight purchases, a free checked bag for you and up to four companions and a $125 American Airlines flight discount when you spend $20,000 in a cardmember year.

Annual fee : $0 the first year, then $99 thereafter

Why we like it : I like that this card earns 2 miles per dollar spent on all American purchases and gas . The Platinum Select can be a great option if your family doesn't have a dedicated gas card.

With this card, you can receive up to five free checked bags, so most families can fly without paying a dime for checked bags.

Learn more: Citi / AAdvantage Platinum Select World Mastercard

Delta SkyMiles Gold Amex Credit Card

Families who prefer Delta will appreciate the Delta SkyMiles Gold Amex 's solid benefits and reasonable annual fee.

Current welcome offer : Earn 40,000 bonus miles after spending $2,000 on purchases in your first six months of card membership.

Welcome offer value : $460

Standout benefits : You'll earn 2 miles per dollar spent on purchases made with Delta, at restaurants, including takeout and delivery in the U.S., and at U.S. supermarkets and 1 mile per dollar spent on other eligible purchases.

Cardmembers receive a free checked bag for them and up to eight companions, priority boarding, a $100 Delta Stays credit (Delta's hotel platform) and 15% off award flights.

Annual fee : $0 introductory annual fee for the first year, then $150 (see rates and fees )

Why we like it : This card has a modest annual fee and provides perks for families traveling on Delta, like a free first checked bag for you and up to eight companions, priority boarding and 20% off inflight purchases.

Additionally, families can use the Delta Stays credit when traveling. The 15% discount off award flights can also go a long way when booking award flights for your family.

Delta is a TPG favorite airline and has great onboard products, and its periodic SkyMiles discounted awards can make using Delta miles pretty rewarding.

To learn more, read our full review of the Delta SkyMiles Gold Amex .

Apply here: Delta SkyMiles Gold Amex

JetBlue Plus Card

JetBlue is a great airline for families on a budget. If your family frequently flies this airline, the JetBlue Plus Card is the right choice.

Current welcome offer : Earn 50,000 points after spending $1,000 and paying the annual fee within the first 90 days of opening an account.

Welcome offer value : $650

Standout benefits : Earn 6 points per dollar spent on JetBlue purchases, 2 points per dollar spent at restaurants and grocery stores and 1 point per dollar spent on everything else.

Cardholders get a free first checked bag (and so do up to three companions on the same reservation), a 5,000-point bonus after your account's anniversary each year, 50% back on inflight purchases, a 10% rebate on points redeemed for award flights and a $100 statement credit each year after purchasing a JetBlue Vacations package worth $100 or more.

Annual fee : $99

Why it's worth it : The JetBlue TrueBlue program allows family members to pool their points together to earn award flights faster.

The onboard JetBlue experience is top-notch for families, as it offers complimentary assigned seats, the most economy legroom among U.S. airlines, a free snack basket and both free DirecTV and gate-to-gate Wi-Fi for all passengers, which is sure to help keep your little ones entertained.

Families that want to take advantage of JetBlue's family-friendly programs and policies will benefit from having a JetBlue Plus credit card, both for the points it earns and the savings it can provide families on JetBlue award flights, bag fees and onboard purchases. You can also work toward JetBlue Mosaic elite status by spending on the card throughout the year.

Learn more: JetBlue Plus Card

Southwest Rapid Rewards Priority Credit Card

If Southwest is your airline of choice, the Southwest Priority card has plenty of great perks for your family to utilize.

Current welcome offer : Earn 50,000 points after spending $1,000 on purchases in the first three months from account opening.

Welcome offer value : $700

Standout benefits : The Southwest Priority Credit Card offers the most perks for families of all the Southwest cards , including 7,500 bonus Rapid Rewards points at each account anniversary, a $75 annual Southwest travel credit, 25% back on inflight drinks, Wi-Fi, messaging and movies and four Upgraded Boardings in the A1-A15 position each year (subject to availability).

Annual fee : $149

Why we like it : Southwest Airlines is one of our favorite airlines for family travel, partly because its Rapid Rewards program is extremely straightforward for families to use.

If your plans change, you can redeposit your award without penalty, making the points earned by the Southwest credit cards extremely useful for families tied to school schedules or with plans that may change.

Everyone gets free checked bags when traveling with Southwest, which is huge for families and can greatly reduce air travel costs.

To learn more, read our full review of the Southwest Rapid Rewards Priority card .

Apply here: Southwest Rapid Rewards Priority card

United Explorer Card

Families who frequently fly with United should strongly consider the United Explorer Card .

Current welcome offer : Earn 50,000 bonus miles after spending $3,000 in the first three months.

Welcome offer value : $675

Standout benefits : Earn 2 miles per dollar spent on all United purchases, hotel stays and dining and 1 mile per dollar spent on everything else.

Cardholders receive a free checked bag for you and one companion, Group 2 priority boarding, two United Club passes per year, 25% off inflight United purchases and a complimentary one-year DoorDash DashPass membership (enrollment required by Dec. 31).

Additionally, cardholders receive expanded award availability to book United award tickets — even if it's the last seat on the plane — and may see economy award seats requiring fewer miles when you log in to your MileagePlus account than members without the card.

Annual fee : $0 in the first year, then $95 thereafter

Why we like it : The United Explorer Card provides primary card holders and one other individual on the reservation with a first free checked bag on United-operated flights and priority boarding. (They must use the card to pay for the tickets.)

This can also help families when flying on basic economy fares, as cardholders can also bring a full-size carry-on, even on basic economy tickets.

The United Explorer Card also provides 25% back on onboard purchases of food, beverages and Wi-Fi when swiped on United flights, along with two annual one-time United Club day passes.

The potential for discounted award flights, combined with its other benefits, makes this card a great option for its annual fee.

To learn more, read our full review of the United Explorer card .

Apply here: United Explorer Card

Bottom line

The best airline credit card for your family will depend on your travel patterns and needs. Truth be told, I don't put a ton of our everyday spending on my airline credit cards (other than my United Club℠ Infinite Card ), but I do hold on to them for some built-in perks that help us save money and enjoy a more comfortable inflight experience.

If your family flies even a couple of times per year, an airline credit card is worth it.

To learn more, read our guide on the best credit cards .

Related: The top credit cards for families

For rates and fees of the Bilt Mastercard, click here . For rewards and benefits of the Bilt Mastercard, click here . For rates and fees of the Delta Amex Gold card, click here .

• Credit Cards
• Best Travel Credit Cards

15 Best Travel Credit Cards Of September 2024

Expert Reviewed

Updated: Aug 23, 2024, 9:17am

For anyone who travels enough to have a travel savings account, credit cards are a valuable resource toward booking and paying for your trip. The rewards can offset a huge portion of your out-of-pocket expenses, and the best travel credit cards often pay for themselves both in savings and avoided headaches.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 113 countries visited
• 5,500 hotel nights spent
• 93,000,000 miles and points redeemed
• 29 loyalty programs covered

Best Travel Rewards Credit Cards

• Chase Sapphire Preferred® Card : Best Travel Credit Card for Beginners
• Citi Strata Premier℠ Card : Best Everyday Earnings with Travel Redemptions
• Capital One Venture Rewards Credit Card : Best Flat-Rate Rewards Credit Card for Travel
• Wells Fargo Autograph Journey℠ Card : Best Travel Earnings Without a Portal
• American Express® Green Card * : Best Midrange Travel Card with Lounge Access
• Capital One Venture X Rewards Credit Card : Best Premium Travel Rewards Card
• Chase Sapphire Reserve® : Best Travel Credit Card for International Travel
• The Platinum Card® from American Express : Best Travel Rewards Card for Lounge Access
• American Express® Gold Card : Best Travel Rewards Earnings for Foodies
• U.S. Bank Altitude® Reserve Visa Infinite® Card * : Best Premium Perks with Simple Redemptions
• Chase Freedom Flex® : Best Intro APR Travel Card
• Bilt World Elite Mastercard® * : Best Flexible Rewards Without an Annual Fee
• Capital One VentureOne Rewards Credit Card : Best Low Annual Fee Card with Flat-Rate Rewards
• United Quest℠ Card : Best Airline Credit Card
• The World of Hyatt Credit Card : Best Hotel Credit Card
• Best Credit Cards Of 2024
• Credit Cards With Travel Insurance
• Best Hotel Credit Cards
• Best Credit Card For Lounge Access
• Best No-Annual-Fee Cards For Travel
• Best Airline Credit Cards

Best Travel Card Offers

Best travel credit card for beginners, chase sapphire preferred® card.

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all Read More

Welcome Bonus

60,000 bonus points

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

I jumped at the chance to get the Chase Sapphire Preferred® Card when it was first launched. More than a decade later, I’m still a loyal cardholder. It’s the ideal starter card for someone dipping their toe into travel rewards and I’m living proof you may never need to upgrade. Cardholders earn valuable Chase Ultimate Rewards® points for access to transfer partners or for easy, no-strings-attached redemptions through Chase Travel℠. There’s no foreign transaction fee and a wide selection of travel insurances.

Why We Like It

For a modest annual fee of $95 (which can be partially offset with an annual $50 hotel credit for bookings through Chase Travel℠) you get a rare mix of high rewards rates and redemption flexibility.

What We Don’t Like

The highest earning rate requires making reservations through Chase Travel℠, which doesn’t include direct bookings or online travel agencies.

Who It’s Best For

This card is best for travelers who want to earn transferable points without a steep annual fee.

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections
• No intro APR offer
• Best travel earning rates are only for bookings through the Chase Travel℠ portal
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Best Everyday Earnings with Travel Redemptions

Citi strata premier℠ card.

Up to 10X Reward Rate

Earn 10 points per dollar spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per dollar at Read More

70,000 bonus points

21.24% - 29.24% (Variable)

Excellent, Good

The Citi Strata Premier℠ Card slides right into everyday life, with earning categories that reflect typical expenses at home as well as rewarding you for your travel spending—then giving you the opportunity to redeem toward travel.

This card could be a supreme fit for someone looking for a one-card solution, thanks to a low annual fee, access to transferable points and a variety of accelerated earn categories. It also offers a $100 annual hotel benefit which can be applied toward eligible stays reserved through Citi Travel to save you even more money. Select travel protections are also included.

Citi makes you jump through some hoops to access card benefits. You’ll need to book through the card’s proprietary booking portal to maximize your travel earnings and to use your annual hotel benefit.

The Strata Premier makes the most sense for travelers seeking a modest annual fee and a card that rewards varied spend.

Several key travel benefits were recently reintroduced on the Citi Strata Premier℠ Card, including trip delay and cancellation protections and lost baggage and rental car damage coverage. But the card still retains all its original features and its relatively low $95 annual fee. The highlight of the Citi Strata Premier continues to be its ability to earn 3 points for every dollar you spend on gas, and now EV charging. Those points can be transferred to any of Citi’s over 15 airline and hotel partners, making your rewards potentially even more valuable than if you just earned straight cash back with another credit card

• High rewards rates for many popular categories
• Ability to transfer points to hotel and airline loyalty programs
• No foreign transaction fees
• Some built-in travel protections
• The $100 hotel benefit is difficult to redeem
• The highest earning rates are on Citi Travel bookings
• $95 annual fee
• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best Flat-Rate Rewards Credit Card for Travel

Capital one venture rewards credit card.

Up to 5X Reward Rate

Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 5X miles on Capital Read More

Earn 75,000 bonus miles + $250 credit

19.99% - 29.99% (Variable)

Casual travelers who don’t plan to carry a balance will find good value in the Capital One Venture Rewards Credit Card ’s earnings rates ( rates & fees ). And if you appreciate the skip-the-line perks of TSA PreCheck® and Global Entry as much as I do, you’ll be grateful for the up to $100 credit toward program fees.

You can earn double miles on every purchase and can access transfer partners without ponying up a triple-digit annual fee.

Expect dialed-back benefits compared to more premium travel cards. You’ll still enjoy select trip protections along with no foreign transaction fee. Keep in mind that you’ll want to redeem for travel bookings or transfers to partner programs (cash back redemptions are often not the best value).

This card is ideal for cardholders who want to earn travel rewards at a flat rate and want to keep their annual fee below $100.

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee ( rates & fees ).

• Solid rewards rate
• Global Entry or TSA PreCheck® statement credit (up to $100)
• Miles are easy to redeem either via partner transfers or by applying against travel purchases
• No introductory APR on purchases or transfers
• Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Best Travel Earnings Without a Portal

Wells fargo autograph journey℠ card.

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points Read More

21.24%, 26.24%, or 29.99% Variable APR

We love that the Wells Fargo Autograph Journey℠ Card bestows you with strong earning rates on travel without requiring you to book through a card’s portal. Go ahead and book directly with your preferred airline and hotel: You’ll earn 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants and 1 point per dollar on other purchases.

This card has a minimal annual fee and offers the opportunity to earn a $50 statement credit each year when you spend $50 or more on airline purchases. That’s a bargain all travelers will love.

For now, there’s a limited number of transfer partners, which means you’ll have fewer redemption options than what some other issuers provide.

This card is a perfect fit for travelers who like to book trips directly, especially if they’re looking for cash-back rewards rather than travel transfers.

Wells Fargo has entered the premium card market with its highly anticipated Autograph Journey credit card which offers accelerated points earnings on airfare, hotels and restaurants. It’s also the newest card to offer the option to redeem points by transferring them to travel partners.

• Solid welcome bonus
• High rewards rates on travel and restaurants
• Annual statement credit for airfare
• Limited everyday bonus rewards
• Few transfer partners
• Charges an annual fee
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best Midrange Travel Card with Lounge Access

American express® green card *.

Up to 3X Reward Rate

Earn 3X Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. Earn Read More

Earn 40,000 points

See Pay Over Time APR

Excellent/Good (700 - 749)

When you don’t want to limit your earnings only to travel charges, check out the American Express® Green Card * . It offers elevated rewards on dining and local transit, too.

Cardholders have access to annual statement credits for CLEAR® Plus and LoungeBuddy charges, which can easily exceed the cost of the card’s annual fee and let you dip your toe into the world of premium perks.

Amex isn’t always accepted overseas, which could be a major issue for international travelers without a backup card.

This is a great midrange card that offers access to American Express Membership Rewards®, making it a good choice for those who don’t want the high cost of a Gold or Platinum card.

Occasional travelers who want to be treated like VIPs will find that the Amex Green card has an ideal set of perks. The $100 annual LoungeBuddy credit is just enough to cover airport lounge access a few times a year, and the CLEAR credit provides expedited access through TSA security at major airports across the country. Put them together and it’s a perfect balance of benefits for infrequent flyers at a relatively low annual fee.

• No foreign transaction fee
• Flexible redemption and points transfer options
• High rewards rate on dining, travel and transit
• Mediocre base rewards rate
• Limited features and perks
• No balance transfer option
• Earn 40,000 points after spending $3,000 on purchases in the first 6 months
• Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
• Earn 1 point per dollar on all other eligible purchases
• $199 CLEAR® Plus and $100 LoungeBuddy credits
• Trip delay insurance

Best Premium Travel Cards

Best premium travel rewards card, capital one venture x rewards credit card.

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and vacation rentals and 10 Read More

Earn 75,000 bonus miles

Excellent (750 - 850)

The Capital One Venture X Rewards Credit Card is packed with extras that put it firmly in competition with other upscale credit cards. Just as important, the easy earnings structure is ideal for anyone who doesn’t want to stress over details.

Its annual fee ( rates & fees ) is easily recouped through an annual $300 credit for bookings through Capital One Travel and 10,000 bonus miles after your anniversary, which makes the perks feel almost free. A Priority Pass membership also provides value, giving you access to 1,300+ lounges worldwide.

The flat-rate earnings mean that if you spend a lot in a single category, you might be better off with a different card.

The Venture X is a strong choice for travelers who want premium benefits and are willing to book through Capital One Travel at least once a year.

If you’re looking for lofty perks without a lofty annual fee ( rates & fees ), the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.

• Annual fee lower than others in its category
• Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
• Miles are easy to earn and easy to use
• Lack of domestic airline and upscale hotel travel partners
• Capital One lounge network in its infancy
• Lack of hotel status benefits
• 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
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

Best Travel Credit Card for International Travel

Chase sapphire reserve®.

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Read More

22.49%-29.49% Variable

If you spend frequently on travel and dining out, you can accumulate rewards with the Chase Sapphire Reserve® . Its greatest selling point is its awesome list of 1:1 transfer partners. There are also best-in-market travel insurance benefits and no foreign transaction fees. Plus, as a Visa card, it’s widely accepted globally.

Cardholders can make up for a chunk of the annual fee with the $300 annual travel credit, a Priority Pass Select airport lounge membership and up to a $100 credit every four years to cover your Global Entry, TSA PreCheck® or NEXUS application fee, all of which make far-flung travel easier to bear. The travel protection benefits have personally reimbursed me more than $1,000.

There’s an extra fee to add an authorized user to your account.

This card is readymade for frequent travelers who want to take advantage of built-in travel insurance protections and airport perks.

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

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

Best Travel Rewards Card for Lounge Access

The platinum card® from american express.

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly Read More

Earn 80,000 points

Good,Excellent (700 - 749)

The Platinum Card® from American Express (terms apply, see rates & fees ) is destined for frequent travelers who intend to fully leverage the rich set of travel benefits. Trust me when I say the perks can make you feel like a VIP. The staggering annual fee for this classic status card won’t be worth it for everyone, but in the right hands the expense can be well justified.

Lounge access with this card extends beyond the Priority Pass membership you see on other premium cards. Plus, if you’re looking for a giant welcome bonus to get things started, the Platinum Card certainly shakes things up.

Many of the perks are very specifically applied and may require enrollment. Examples include statement credits toward Uber, Saks Fifth Avenue, select digital entertainment, select hotel stays and airline incidental fees.

The Platinum Card® from American Express could be a valuable pick for cardholders who are willing to track and maximize its long list of member benefits.

Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business class seats on more than 20 airlines as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. on any of those premium cabins.

• High reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment
• Very high annual fee
• Maximizing the statement credits takes some work and could be impractical for many
• Reward rate outside of travel is sub-par for a premium card
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Best Travel Rewards Earnings for Foodies

American express® gold card.

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X; Earn Read More

Earn 60,000 points + earn up to $100 back

Foodies and travelers can leverage the American Express® Gold Card (terms apply, see rates & fees ) to the hilt, earning up to 4 points per dollar. The annual fee may seem intimidating—I get that. But my household comes out ahead by taking advantage of the card’s dining credits and rotating Amex Offers. It’s an appealing option for anyone who wants to redeem travel rewards but doesn’t spend enough on flights or hotels to require elevated earning categories on travel itself.

The grocery earnings on this card are impressive and rare for a travel card. For someone who wants to transform everyday expenses into a vacation, this card seamlessly blends the experience.

The American Express® Gold Card also offers a variety of ways to earn statement credits. This includes up to $120 ($10 per month) in annual dining credits for purchases at participating partners, up to $100 ($50 semi-annually) in annual statement credits for purchases at Resy restaurants and up to $84 ($7 per month) in statement credits for Dunkin purchases. Plus, cardholders get $10 in Uber Cash each month for a total of up to $120 per year. Enrollment is required for select benefits.

While the Amex Gold’s credits can be valuable, you’re required to enroll to take advantage of them and credits are dished out monthly or semi-annually rather than in an annual lump sum.

The Amex Gold might be the consummate choice for travelers with high spending on food expenses.

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to five authorized users for no additional annual fee
• Can choose from regular, rose gold or white gold versions
• Most credits are doled out monthly and can be cumbersome to redeem
• Limited options to carry a balance
• High APR for pay over time feature *
• Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.

Best Premium Perks with Simple Redemptions

U.s. bank altitude® reserve visa infinite® card *.

Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points for Read More

50,000 points

22.24% - 29.24% variable

For a simpler take on travel rewards, the U.S. Bank Altitude® Reserve Visa Infinite® Card * can be an excellent pick. It doesn’t have transferable rewards. Instead, you’ll get strong value by getting a 50% bonus when redeeming toward travel.

First of all, the earning potential on this card turns heads thanks to its multiplier on mobile payments which are accepted nearly everywhere these days. Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases. We also love that its annual $325 credit can be used toward your choice of travel or dining, giving it ultra flexibility.

Though this card comes with Priority Pass airport lounge access, it limits cardholders to a maximum of eight free visits per year. That might be enough for some travelers but could be a major downside for frequent travelers or someone flying with multiple companions or family members.

The Altitude Reserve is best for travelers who don’t want to be limited by travel portals or partnering airlines and hotels for their travel redemptions.

The U.S. Bank Altitude® Reserve Visa Infinite® Card * is unique because it earns 3X on all mobile wallet spending, which no other ultra-premium cards offer, and has a low net annual fee after taking the $325 travel/dining credit into account. Given the net annual fee after the credit, the fact that the card lacks lounge access—even Priority Pass—is not that big of a deal. The question is, do you spend enough on mobile purchases to add a card specifically for that?

• 50% points bonus when redeeming for travel
• Up to $325 in annual travel credit
• No limits on points earnings
• No points transfer options available
• Free lounge access limited to eight visits per year
• Earn 50,000 points after spending $4,500 in the first 90 days of account opening
• Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases
• Earn up to $325 in annual credits
• Best No Annual Fee Travel Credit Cards

Best Intro APR Travel Card

Chase freedom flex®.

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Read More

20.49%-29.24% Variable

I don’t automatically think of the Chase Freedom Flex® as a travel card, but it’s a great everyday card that also rewards you generously for bookings made through Chase Travel℠.

In addition to the welcome offer and ongoing rewards this card offers, new cardholders can also take advantage of an introductory APR offer to help pay off their travel expenses: 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

Rewards are initially made available as cash back. If you want to transfer your rewards to partner airlines and hotels, you’ll also need to hold an Ultimate Rewards® card that offers that feature.

The Freedom Flex requires a little more hands-on management to earn in its quarterly bonus categories, so it’s a better fit for someone willing to stay on top of details.

Kudos to Chase for always keeping the rotating categories relevant on the Freedom Flex. From Amazon to PayPal and Starbucks to Walmart, you’re almost guaranteed to find at least one quarter every year (or even several) where the 5 bonus points roll in with almost no effort. Just don’t forget to activate the categories every quarter.

• No annual fee
• Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Travel rewards rate rivals some of the best premium travel cards
• Generous rewards rate in several other categories
• Travel bookings must be made through Chase Travel℠ to earn 5% cash back
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best Flexible Rewards Without an Annual Fee

Bilt world elite mastercard® *.

Up to 3x Reward Rate

Earn 1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on Read More

Good/Excellent (700 - 749)

You don’t need to pony up an annual fee for the Bilt World Elite Mastercard® * (), which earns flexible points that you can transfer to a selection of beloved travel brands.

Bilt offers one of the most distinctive earning structures of all cards: 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases. It also throws in some great travel benefits for a no-annual-fee card, including select trip protections, primary collision damage waiver on eligible car rentals and no foreign transaction fees.

This is the only credit card on our list that doesn’t include a welcome offer. Renters could make up for that opportunity cost quickly by earning points on their rent payments, but it’s an unmistakable disadvantage.

We recommend this card to someone paying rent and looking for a credit card with no annual fee.

It’s almost impossible to earn rewards on what is the biggest monthly expense for many people, which is why anyone who pays rent should have a Bilt Mastercard in their wallet. Not only will you earn points just from paying your rent (up to 100,000 points in a calendar year), you’ll do it without being charged a fee for the transaction, and Bilt points are among the most versatile travel points around. ( Pro Tip: Don’t redeem Bilt points to pay rent when you can get much more value for them for travel!).

• Earn rewards on rent
• Primary car rental and cellphone insurance
• Points can be transferred to partners
• Requires five card transactions per statement period to earn rewards
• No welcome bonus
• Rewards outside of rent spend are relatively low compared to other cards
• Earn 1 point per dollar spent on rent payments (on up to 100,000 points each calendar year)
• Earn 2 points on eligible travel
• Earn 3 points on dining and 1 point on other eligible purchases
• Cell phone protection
• No foreign fees

Best Low Annual Fee Card with Flat-Rate Rewards

Capital one ventureone rewards credit card.

Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on every Read More

20,000 Miles

High spenders will do better with one of Capital One’s other travel cards, but if you specifically are seeking out a no annual fee travel card, consider the Capital One VentureOne Rewards Credit Card ( rates & fees ).

This card incorporates positive facets from its Venture line, including a flat-rate earning structure, transferable rewards and no foreign transaction fees. New cardholders are also eligible for an introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months, 19.99% – 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.

The earnings rate isn’t particularly inspiring—unless you consistently maximize travel transfer redemptions, you’re likely better off with a 2% cash back card with no annual fee or an annual fee-carrying travel rewards card with 2X earnings.

The VentureOne can be a good way to get your foot in the door with Capital One, even if you ultimately decide to upgrade your card later.

A contender for the best no annual fee and starter travel card, the Capital One VentureOne Rewards Credit Card could be a fantastic travel companion for vacation goers and road warriors. The travel value can be immediately appreciated with no foreign transaction fees, while the rewards-earning is higher than basic rewards-earning credit cards at 1.25X miles. Plus, this card earns Capital One Reward Miles, which offers excellent value when transferred to airline and hotel

• No penalty APR
• Ongoing rewards rate is relatively low
• Locked in to Capital One Travel booking to earn the highest rewards
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies

Best Travel Cards for Airlines and Hotels

Best airline credit card, united quest℠ card.

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all Read More

Earn 60,000 bonus miles

21.99% - 28.99% Variable

Frequent United Airlines customers will appreciate that the United Quest℠ Card comes with an annual up to $125 United credit, rewards on travel and dining and travel protections such as primary car rental coverage and trip cancellation insurance.

This card rewards your loyalty. You can earn up to 10,000 miles in award flight credits per year, starting after your first cardmember anniversary, for booking eligible award flights with your miles. You’ll also earn 25 Premier Qualifying Points for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQPs, in a calendar year.

The annual fee on the United Quest is more than double the average airline card.

This card will likely appeal to United flyers who want above-average benefits but aren’t interested in committing to an ultra-premium card.

Don’t let the card’s annual fee scare you off. Even if you’re not a frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

• Up to $125 annual United purchase credit
• Earn up to two 5,000-mile award flight credits annually
• Two free checked bags for cardholder and a companion traveling on the same reservation
• Earn up to 6,000 Premier Qualifying Points per calendar year
• Primary auto collision damage waiver for eligible rentals
• Checked baggage benefit only applies to one companion
• Earnings for general purchases are only 1 mile per dollar
• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)

Best Hotel Credit Card

The world of hyatt credit card.

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 on qualified purchases Read More

Up to 60,000 Bonus Points

21.49% - 28.49% variable

While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you’re a regular at Hyatt, a combination of high redemption values, sweet perks and one free night per year easily covers the annual fee and then some.

The card comes with five qualifying night credits, but cardholders can earn more through card spending to work their way up the elite ladder.

The automatic Discoverist elite status for cardholders is, frankly, uninspiring.

This card is designed for Hyatt enthusiasts looking to earn extra points and work toward status.

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

• Annual free night certificate on card member anniversary
• Complimentary World of Hyatt Discoverist status
• High redemption values for points
• Limited number of properties
• No worthwhile redemption options aside from Hyatt properties
• Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Here's a Summary of the Best Travel Credit Cards

Best Travel Credit Cards Methodology

Forbes Advisor considered dozens of airline, hotel and flexible-rewards credit cards to create this list of the best travel credit cards. The primary factors taken into consideration for all types were:

• Estimated annual earnings—25% to 50% depending on card category
• Welcome bonus—15% to 25% depending on card category
• Travel benefits—15% to 25% depending on card category
• Annual fee—5% to 15% depending on card category
• Consumer benefits—0% to 10% depending on card category
• Foreign transaction fee—0% to 5% depending on card category

Hotel earnings rate was weighted 25% for hotel credit cards and airline earnings rate was weighted 15% for airline credit cards.

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

Each Forbes Advisor credit card list is reevaluated at least every 12 months to determine if any cards need to be added and/or removed. However, a list could be updated sooner if significant changes are made to the mentioned cards or if a new credit card is announced that’s likely to impact the category.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards .

Complete Guide to Travel Credit Cards

Best travel credit card deals right now, what is a travel credit card, how do travel credit cards work, types of travel credit cards, co-branded travel cards vs. general travel cards, pros and cons of travel credit cards, how many travel credit cards should i have, how to compare travel credit cards, evaluating airline credit cards, evaluating hotel credit cards, how to maximize credit card points for travel.

• Travel Rewards Cards in the News

Are Travel Credit Cards Worth It?

Frequently asked questions (faqs).

If you want to replenish your stash of points to work towards booking your next dream trip, you may want to know which travel credit cards have the highest-value welcome bonuses right now. Below are the airline, hotel and flexible rewards travel cards with the highest welcome offers. Keep in mind that annual fees and additional benefits will vary, often significantly, so weigh the pros and cons of a particular card beyond just the bonus before you apply.

Top Travel Credit Card Offers

A travel credit card is a card that earns rewards on travel. Rewards may be earned in the form of airline miles, hotel points or flexible points that can be transferred to partners or applied towards travel charges.

Many travel credit cards also come with additional benefits such as free checked bags, priority boarding, elite status, access to airport lounges and even discounts on hotels or rental cars. Some cards offer welcome bonuses when you meet an initial purchase threshold, which can provide a nice cache of points or miles to help you start redeeming for valuable rewards. The best travel cards also charge no foreign transaction fees, which means there is no extra charge from the credit card company to make purchases abroad.

Credit cards with travel benefits can be an awesome resource, but don’t get fooled into thinking you need them all. Focus on cards that provide a good balance of benefits and costs to fit your specific needs. Otherwise, you’re paying annual fees for no reason.

– Becky Pokora , Credit Card Rewards Expert

A travel rewards credit card accrues miles or points for each purchase made with the card. Every card has a different earning and redemption structure.

• A co-branded card , like one labeled with Marriott or Southwest, will earn rewards in the specifically named travel brand.
• General travel cards may instead earn flexible bank points, like those you see with Chase Ultimate Rewards® or American Express Membership Rewards® .

Here’s how credit card points and miles work:

• Earn rewards when you make purchases. Nearly all purchases on a card will earn rewards at the rate specified by the card. Rates may vary based on the type of purchase.
• Rewards are deposited into your account. Most cards update your rewards balance once per month, after your billing statement closes. On co-branded cards, travel rewards are typically deposited into your existing airline or hotel account automatically. On general travel cards, you’ll most likely have a bank of points where rewards pool.
• Consider your reward options. Airline and hotel point values often are variable, which means that the value of a point may fluctuate depending on the specific redemption. Before you make a redemption, ensure that you’re happy with the value of your specific reward.
• Make a redemption. Once you’ve chosen a redemption option, you’ll need to follow the specific direction to request your reward. Depending on the type of redemption, you might request this through your card issuer through their travel portal or your preferred travel partner.

There are many other intricacies to redeeming miles and points , so if you’re not confident on all your options, you’ll want to review the opportunities from your program before committing to a redemption.

Not all travel credit cards are alike. Here’s how the various types break down, so you can choose which type of rewards card is best for your unique circumstances.

Transferable Rewards Credit Cards

These types of credit cards earn rewards that can be transferred to other programs, like airline or hotel loyalty programs. Transferable rewards include Capital One Rewards , Bilt Rewards , Brex Rewards , Chase Ultimate Rewards® , American Express Membership Rewards , Wells Fargo Rewards and Citi ThankYou® Points .

Airline Credit Cards

Airline credit cards earn miles that can be used to redeem for future purchases with that airline. You can also use that airline’s miles to book flights on partners, which may yield more award opportunities. Some common airline credit card extras may include free checked baggage, priority boarding, a TSA PreCheck® or Global Entry application fee credit and airport lounge access. If you’re able to max out these extras, the perks can often be worth more than the annual fee.

Hotel Credit Cards

With hotel cards, you’ll earn rewards in the hotel’s currency, like Marriott Bonvoy points , Hilton Honors points or World of Hyatt points , which are redeemable towards any eligible hotel property under that brand’s umbrella. Some cards also confer automatic elite status upon ownership, which comes with benefits that can range from late check-out to free breakfast to room upgrades. Additionally, many cards also offer one night free annually every year you renew your card membership, as well as other perks such as airport lounge access.

Fixed-Value Credit Cards

Credit card points may often have a fixed-value when redeemed for things like cash back or travel, where the issuer publishes the cash value per point. For example, a card may offer a value of a penny per point when redeemed for any valid travel purchase. Fixed-value points currencies can also vary by redemption type. For example, points on a card might be worth 1.5 cents each when redeemed for travel rewards, but only be worth 1 cent each when redeemed for cash back.

Business Credit Cards for Travel

If you’re traveling for work and you want to keep your business expenses separate from your personal expenses, a travel business credit card may be worth considering. Business credit cards for travel function the same as consumer credit cards for travel, although the business versions often offer different earning rates and perks, as well as a different annual fee structure.

To learn more about the best co-branded credit cards, see our guides below:

• Best American Airlines Credit Cards
• Best Delta Credit Cards
• Best Southwest Credit Cards
• Best United Credit Cards
• Best Hyatt Credit Cards
• Best Marriott Credit Cards

Ask an Expert

Is it better to choose a flexible travel rewards card or one branded to a specific airline or hotel?

Yanely Espinal

Credit Cards Expert

Clint Proctor

Credit Cards Lead Editor

Becky Pokora

Credit Cards Writer

If I had to choose, I’d say flexible travel rewards because it allows for much more versatility in your redemption options beyond just flights and hotel stays. But the best approach is to have both. You can maximize benefits from each card type by earning rewards across all of the spending you normally do, while getting perks with your favorite travel providers at the same time.

Since I’m not particularly loyal to any airline or hotel, I prefer the flexibility of general travel cards. I especially appreciate travel cards that offer transfers to travel partners. With flexible rewards, I can access 10 to 20 or more loyalty programs from a single card. This increases my chances of being able to take advantage of the best award deals that are available for my next trip.

I love that most co-branded travel cards include benefits when booking with that brand. Free night certificates on hotel cards and free checked bags with airlines are valuable perks. Plus, even though earning a single type of point might seem limited, big hotel chains have more than a dozen brand choices and airlines may have 10 or more alliance partners, so you’ll still find plenty of versatility.

What is the most underrated benefit of travel credit cards that is often overlooked?

Jerod Morales

Credit Cards Editor

Credit Cards And Loyalty Programs Expert

Some of the benefits of travel cards I rely on that don’t get much attention are the travel and purchase protections. I always make sure to book travel with a card that includes things like trip cancellation/interruption insurance, trip delay protection and lost or delayed baggage benefits. It’s not always a substitute for separate travel insurance, but it can go a long way to getting compensation when travel goes awry.

I feel cellphone insurance is overlooked by some travelers and followed by travel insurance coverage. Many credit cards even cover the trip if you just pay taxes on a reward ticket.

Free nights, big bonuses and statement credits get all the attention but one perk that goes unnoticed is the option to add authorized users to your card account at a reduced cost (or even free). That extends benefits like airport lounge access to a household member, even if they’re not traveling with you.

The number of travel credit cards you should have depends on how often you travel, which benefits you value, your financial situation and whether you’re willing to spend time tracking multiple cards. Frequent travelers can find value in holding at least one travel card, but may consider holding several. For example, having both an airline card and a hotel card can provide complementary benefits and the ability to earn rewards for all aspects of your travel plans.

Personally, the vast majority of my spending is split between three credit cards in order to maximize earning rates, in different purchase categories. However, I also have three other travel cards that I primarily carry for the benefits—annual free hotel nights and extra award flight inventory make my travels more affordable.

– Becky Pokora , Credit Cards Writer

When comparing travel credit cards, items to consider include:

1. Annual fee

The annual fee on credit cards ranges from zero to several hundred dollars. In general, the more expensive the card, the richer the perks and rewards.

2. Foreign transaction fee

Foreign transaction fees can be an additional 2% to 3% surcharge when making transactions in other currencies, such as when you’re traveling abroad. The best no foreign transaction fee cards avoid this surcharge.

3. Sign-up bonus

One time offers to new cardholders can be extremely lucrative and an important factor in which cards appeal to you.

4. Rewards rate

Different cards have different earning rates, both in the amount you earn with every purchase and what form the rewards are provided in—points, miles or cash back.

5. International acceptance

When traveling outside of the United States, Visa and Mastercard tend to be more widely accepted than American Express or other cards. Because of this, international travelers may wish to pick their card type accordingly.

6. Travel protections

Included travel insurance could save you money compared to separately purchased policies, but won’t necessarily be comprehensive . If you travel often, it might be worth specifically seeking out the best credit cards with travel insurance .

Benefits might range from airport lounge access to statement credit reimbursements for certain purchases.

When choosing between two similar cards, it’s savvy to look for the less known credit card perks like luggage protection and travel delay insurance. These protections reimburse you up to a certain amount for lost or missing luggage and/or cover the cost of meals and lodging when your flight gets delayed more than a certain number of hours.

– Yanely Espinal , Credit Card Expert

Airline credit cards typically earn frequent flyer miles on every purchase. Co-branded airline cards also frequently come with perks while traveling, like free checked bags, enhanced award space or lounge access. They may also help you achieve elite status more easily.

When evaluating the best airline credit cards , think about:

• Earning rates. Many airline credit cards don’t offer elevated earnings on categories other than airline spending, so you’ll need to choose carefully if that’s important to you.
• Perks while flying. Typically, only cards with an annual fee include benefits while flying such as priority boarding or complimentary checked bags.
• Elite-qualifying bonuses. Some cards include bonus elite-qualifying miles when hitting spending thresholds, which can further enhance your flying experience.
• Companion fares. Some airline cards offer the opportunity to earn a companion certificate, which allows you to bring a second traveler on your trip for a reduced price.

Additionally, redeeming frequent flyer miles can be more complicated than requesting cash back or other types of rewards. Though using miles for award flights can lead to tremendous value, you’ll need to learn the ropes of the program.

Hotel credit cards earn points toward future free stays, but this is one case where the benefits can often outshine rewards. More often than not, hotel cards come with automatic elite status, as well as a fast track to even higher levels of status. Plus, annual free night certificates or statement credits add even more to their value proposition.

Many hotel loyalty programs offer multiple co-branded cards to choose from, making it even more important to compare the characteristics of an individual card. It’s not uncommon for a single hotel brand to offer a no-annual-fee card, a mid-tier card and a premium card—each with different earning rates and benefits.

When evaluating hotel credit cards, consider:

• Elite status offers. Generally speaking, cards with higher annual fees may automatically bump you to higher elite status levels, which can be invaluable for frequent stays.
• Free night certificates. Many, but not all, hotel cards offer free night certificates either upon renewal of your card or when hitting spending thresholds. Each certificate may come with restrictions on when or where you can redeem it, so compare fine print.
• Earning rates. Hotel cards may offer huge multipliers on bonus categories, allowing you to earn five to 10 times on certain purchases. However, keep expectations in check: Hotel points may not be worth a full penny per point.
• Statement credits. Some cards may include statement credits toward eligible purchases made at hotels and resorts or even on airline fees or restaurant purchases, which can be valuable, but you’ll need to actually use them.

The best way to make the most of your credit card is to use a card that aligns with your spending patterns.

• Choose a card that offers bonus points in spending categories meaningful to you
• Credit card pairings can maximize your earnings by pooling points from two or more cards that have different bonus categories
• Use your credit card instead of cash or debit when possible

Airline and Hotel Rewards Loyalty Programs

Understanding how to get the most out of the points and miles you earn from your travel credit card goes hand-in-hand with using the loyalty programs offered by most airlines and hotel brands. It’s free to join and you can belong to as many loyalty programs as you like. Typically, when you sign up for a co-branded credit card affiliated with a particular brand, you’ll automatically become a member of the loyalty program if you aren’t already.

Track Your Credit Card Points and Miles Earnings

Tracking your spending allows you to make sure that every time you make a purchase, you’re using the card that earns the most rewards. This means knowing which card to use in which scenario based on how a particular merchant codes the purchase .

For example, if you own two credit cards, one that earns high rewards on dining and one co-branded airline card, it might not make sense to use the airline card to pay your restaurant tab since the dining card likely earns more rewards. You can do this by various methods as complicated as creating a spreadsheet or as simple as putting stickers on each card to remind you when to use it.

How To Use Credit Card Points for Travel

Beyond earning rewards, there are strategies to get the most value when it comes time to redeem your rewards, too. When you’re ready to cash in your travel rewards, there’s generally two ways to do it.

You can plan the itinerary you want and use your rewards to fully or partially off-set the cost. Or, you can research to see where the rewards you have can be used to get the most bang for your buck. Now, American Express is making it easier for some cardmembers to redeem miles for flights due to a partnership with Point.me .

Find The Best Credit Cards For 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Travel Rewards Cards In the News

• IHG One Rewards is presenting one of their best ever offers for new cardholders. This is your chance to earn free night certificates toward your next trip.
• Small businesses wishing to earn travel rewards should look into a limited time offer on the Ink Business Preferred® Credit Card —you could earn an upgraded bonus of 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
• You can extend the value of your travel rewards with these transfer bonuses in August 2024.

Best Small to Mid-Sized Travel Destinations for Redeeming Points/Miles, Ranked

It’s been a busy year for air travel, with a new high of 3,013,413 travelers screened by TSA checkpoints on July 7, 2024. Given unprecedented travel levels and rising costs, rewards are a valuable resource for covering the price of travel.

Forbes Advisor compared data on more than 20 metrics for 62 of the most-traveled small and mid-sized cities to reveal the best cities for redeeming points and miles. Of these, Tampa tops the list for being most accessible when paying with rewards, with two other Floridian cities rounding out the top three. Kona, Hawaii ranks at the bottom.

Top 5 Best Small to Mid-Sized Cities for Redeeming Points and Miles

1. tampa, fl.

Tampa’s score: 100 out of 100

When looking at nonstop route coverage and flight volume across five major U.S. airlines, Tampa ranks the highest, regardless of your preferred carrier. The city also ranked third-highest for hotel availability across the six major hotel groups ( Marriott, IHG, Hilton, Hyatt, Choice and Wyndam). It has over 263 hotels to choose from when redeeming points, ranging from luxe stays to more value-oriented options.

2. Orlando, FL

Orlando’s score: 99.4 out of 100

Catching a flight to Orlando should be easy even during peak travel periods as it ranks second-highest for flight availability in small and mid-sized cities. Redeeming points for a hotel stay is also simple, with 333 available hotels to choose from across six hotel groups. The combination of options on both flights and hotels puts it second on our list.

3. Fort Lauderdale, FL

Fort Lauderdale’s score: 83.9 out of 100

Travelers will have no issue securing a flight to Fort Lauderdale as it ranked third-highest for flight availability. The city ranked seventh-highest for hotel availability and is covered by all six of the major hotel groups. It has 287 total hotels to choose from within those groups. As a bonus, the ease of redeeming points for a trip to Fort Lauderdale may make it a worthy alternative to trips to Miami, less than 30 miles away.

4. Raleigh-Durham, NC

Raleigh/Durham’s score: 74.0 out of 100

If you’re looking to book a trip outside of Florida using points and miles, your best bet is the Raleigh-Durham area of North Carolina. Travelers flying in will have multiple options for airfare, as it ranks sixth-highest for this category based on availability for flights from the six busiest airports nationwide by scheduled airline capacity as of May 2024 according to the most recent data from OAG Aviation Worldwide, a flight data analytics company. The city ranks 11th-highest for hotel availability with 170 hotels to choose from.

5. Minneapolis, MN

Minneapolis’ score: 70.7 out of 100

Travelers looking to redeem their miles for a trip to Minneapolis will be happy to know that it ranked within the top 15 for the flight availability category. The city also tied for fifth place for hotel availability and is covered by all six of the largest hotel groups, with 237 total hotels that accept point redemptions.

Methodology

To uncover the small and mid-sized cities where it is easiest to redeem points and miles, Forbes Advisor looked at the 100 most traveled destinations nationwide (based on the number of domestic air passengers in 2023) and excluded the 25 largest cities and the principal cities of the 15 largest metropolitan areas. 

We analyzed the remaining 62 cities across 22 metrics spanning four categories and using the weights described below:

• Flight coverage 
• Flight availability
• Hotel coverage
• Hotel availability

For the flight-related metrics, data came from each airline's booking portal. This included United Airlines, American Airlines, Delta Air Lines, Southwest Airlines and JetBlue Airways. We considered round-trip flights from Friday, July 26 to Sunday, July 28, using the country’s six busiest airports (by passenger boarding volume): ATL, DFW, DEN,  LAX, ORD and JFK. 

Data for hotel coverage and volume comes from Booking.com with a check-in date of Friday, July 26 and a check-out date of Sunday, July 28.

Flight Coverage (15% of total score)

• Star Alliance Carriers (3% of total score)
• OneWorld Carriers (3% of total score)
• Skyteam Carriers (3% of total score)
• Southwest (3% of total score)
• JetBlue (3% of total score)

Flight Availability by Volume (35% of total score)

• Number of Flights from Star Alliance Carriers (7% of total score)
• Number of Flights from OneWorld Carriers (7% of total score)
• Number of Flights from Skyteam Carriers (7% of total score)
• Number of Flights from Southwest (7% of total score)
• Number of Flights from JetBlue (7% of total score) 

Hotel Coverage (15% of total score)

• Presence of Marriott group hotels (2.50% of total score)
• Presence of IHG group hotels (2.50% of total score)
• Presence of Hilton group hotels (2.50% of total score)
• Presence of Hyatt group hotels (2.50% of total score)
• Presence of Choice group hotels (2.50% of total score)
• Presence of Wyndham group hotels (2.50% of total score)

Hotel Availability by Volume (35% of total score)

• Number of Marriott group hotels (5.83% of total score)
• Number of IHG group hotels (5.83% of total score)
• Number of Hilton group hotels (5.83% of total score)
• Number of Hyatt group hotels (5.83% of total score)
• Number of Choice group hotels (5.83% of total score)
• Number of Wyndham group hotels (5.83% of total score)

Generally speaking, yes, travel credit cards are worth it —if you’ll use the benefits. Travel rewards credit cards can be a strategic addition to your finances, if you travel with any regularity. You’ll be able to earn rewards on every purchase and later redeem those rewards toward future trips—often at a higher yield than cash back. Many travel cards also include benefits to enhance your travel experience along the way to add even more value.

To view rates and fees for The Platinum Card® from American Express please visit this page . To view rates and fees for American Express® Gold Card please visit this page . For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Is it a good idea to use a credit card when traveling?

Paying by credit card can be a smart idea while traveling since it offers additional protections compared to paying with cash or debit card. You might also earn rewards on your purchases by paying by card. Before traveling internationally, check to see whether or not your credit card charges a foreign transaction fee. If it does, every transaction will cost you a little extra (usually around 3%). The best travel cards don’t charge this fee.

What is the easiest travel credit card to get?

Most travel credit cards require good to excellent credit scores. However, generally speaking, travel cards with no annual fee are typically easier to be approved for than the ultra-premium travel cards with high annual fees.

What is the best credit card with travel insurance?

Forbes Advisor’s best credit cards for travel insurance list has a variety of cards offering solid travel insurance. Although you shouldn’t get a credit card for this feature alone, it can be a useful money-saving extra. Credit cards that offer travel insurance tend to have high annual fees, so keep this in mind when weighing whether or not you are likely to use the feature.

What is the best card for international travel?

Many credit cards are well suited for international travel. You want to make sure that the card has no foreign transaction fees . It also helps if the card’s points are suitable for the locations where you wish to travel. For instance, if you want to go to Asia, an airline card co-branded with a U.S.-based airline that doesn’t fly to Asia, like Southwest, won’t help you.

How can you travel for free with credit cards?

Travel with credit card points can save you a lot of money on travel compared to paying full price. A combination of welcome bonus offers and the rewards you earn from everyday spending can add up to hundreds of dollars in value toward free travel. However, you’ll need to learn the rules of your specific program to maximize travel points and get the most possible value.

Included statement credits or card benefits can also help you travel for free. Premium credit cards may offer annual credits toward the purchase of select travel, effectively serving as a rebate. Alternatively, you might have airline companion certificates or hotel free night certificates, which work more like a coupon.

Other Credit Cards To Be Considered

• Best Business Credit Cards for Travel
• Best Travel Credit Cards For Fair Credit

*The information for the following card(s) has been collected independently by Forbes Advisor: American Express® Green Card, U.S. Bank Altitude® Reserve Visa Infinite® Card, Bilt World Elite Mastercard®, Avianca LifeMiles American Express Elite Card, Marriott Bonvoy Boundless® Credit Card . The card details on this page have not been reviewed or provided by the card issuer.

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Clint Proctor is a lead editor with the credit cards and travel rewards team at Forbes Advisor. He has five years of experience in personal finance journalism and has contributed to a variety of leading national publishers including Business Insider and MyFICO. Clint has redeemed millions of credit card points and miles to book budget-friendly travel and is passionate about helping others do the same.

Yanely Espinal is the director of educational outreach for Next Gen Personal Finance, a nonprofit working to ensure that every high school student gets a full semester of personal finance education—including lessons in proper credit card usage—before graduation. She is often described as a ball of energy, with a gift for storytelling, and a passion for explaining credit cards and other financial concepts in a straightforward way.   While working as an elementary school teacher, Yanely decided to change her financial life by paying off $20,000 of debt in just 18 months. In 2015 she created MissBeHelpful, a YouTube channel and social media platform that now has over 5 million views, to help others learn the money skills she never learned in school. Some of her most popular videos on the channel include “5 Things to Consider When Applying for a Credit Card” and “When To Pay Your Credit Card Bill and Increase Your Credit Score.”   Her book, “Mind Your Money,” is an Amazon bestseller and was a Plutus Award finalist for Best New Personal Finance Book of 2023. She hosts Financially Inclined from Marketplace, a video podcast for teens about money lessons for living life your own way. Yanely is also a member of CNBC's Financial Wellness Advisory Council and an Advocate at the NGPF Mission 2030 Fund.  

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