Best Travel Cards of 2024

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Best All-Around Travel Rewards Card
TPG Editor's Rating tooltip icon
4.5/5
  • 5x 5x on travel purchased through Chase Travel℠.
  • 3x 3x on dining, select streaming services and online groceries.
  • 2x 2x on all other travel purchases.
  • 1x 1x on all other purchases.
Intro Offer tooltip icon
60,000 bonus points
$95
21.49% - 28.49% Variable

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee.

Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and 3x Ultimate Rewards points dining including eligible delivery services and takeout
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • $95 annual fee.
  • 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, 2024.
  • Member FDIC
Best All-Around Travel Rewards Card
TPG Editor's Rating tooltip icon
4.5/5
60,000 bonus points
details
$95
1 - 5X points
details

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee.

Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and 3x Ultimate Rewards points dining including eligible delivery services and takeout
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • $95 annual fee.
  • 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, 2024.
  • Member FDIC

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and 3x Ultimate Rewards points dining including eligible delivery services and takeout
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • $95 annual fee.
  • 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, 2024.
  • Member FDIC
Best for Lounge Access
TPG Editor's Rating tooltip icon
4.5/5
  • 5X 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.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Intro Offer tooltip icon
Earn 80,000 points
$695
See Pay Over Time APR

Why We Chose It

If you’re looking for luxury travel benefits, you’ll be hard-pressed to find a better card than The Platinum Card from American Express. You’ll get hundreds of dollars in annual credits, unrivaled lounge access, elite status benefits at Hilton and Marriott, solid shopping protections and so much more. While the card does come with a steep annual fee, you can easily offset that cost by taking advantage of this card’s many perks.

Pros

  • Access to over 1,400 airport lounges.
  • Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December (up to $200 in annual Uber savings). Enrollment required.
  • Access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits.
  • You’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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 with American Express Travel when you pay with 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
TPG Editor's Rating tooltip icon
4.5/5
Earn 80,000 points
details
$695
5X points
details

Why We Chose It

If you’re looking for luxury travel benefits, you’ll be hard-pressed to find a better card than The Platinum Card from American Express. You’ll get hundreds of dollars in annual credits, unrivaled lounge access, elite status benefits at Hilton and Marriott, solid shopping protections and so much more. While the card does come with a steep annual fee, you can easily offset that cost by taking advantage of this card’s many perks.

Pros

  • Access to over 1,400 airport lounges.
  • Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December (up to $200 in annual Uber savings). Enrollment required.
  • Access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits.
  • You’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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 with American Express Travel when you pay with 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

Pros

  • Access to over 1,400 airport lounges.
  • Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December (up to $200 in annual Uber savings). Enrollment required.
  • Access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits.
  • You’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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 with American Express Travel when you pay with 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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 for Earning Miles
TPG Editor's Rating tooltip icon
4.5/5
  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day
Intro Offer tooltip icon
Earn 75,000 miles
$95
19.99% - 29.99% (Variable)

Why We Chose It

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • Fly any airline, stay at any hotel, anytime; no blackout dates; plus transfer your miles to over 15+ leading travel loyalty programs.
  • Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
  • No foreign transaction fees.

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • Capital One airline partners do not include any large U.S. airlines.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X 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
  • 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
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
TPG Editor's Rating tooltip icon
4.5/5
Earn 75,000 miles
details
$95
2 - 5X miles
details

Why We Chose It

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • Fly any airline, stay at any hotel, anytime; no blackout dates; plus transfer your miles to over 15+ leading travel loyalty programs.
  • Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
  • No foreign transaction fees.

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • Capital One airline partners do not include any large U.S. airlines.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X 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
  • 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
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Pros

  • Fly any airline, stay at any hotel, anytime; no blackout dates; plus transfer your miles to over 15+ leading travel loyalty programs.
  • Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
  • No foreign transaction fees.

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • Capital One airline partners do not include any large U.S. airlines.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X 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
  • 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
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Best Premium Travel Credit Card
TPG Editor's Rating tooltip icon
4.5/5
  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day
Intro Offer tooltip icon
Earn 75,000 miles
$395
19.99% - 29.99% (Variable)

Why We Chose It

With a $395 annual fee, the card undercuts more expensive competitors in this space, but an annual fee is just a small part of the story. Add in a 10,000-mile bonus every account anniversary and lounge access, and the card may become the strongest option out there for a lot of travelers.

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • Unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide.
  • Earn 10,000 bonus miles every account anniversary.

Cons

  • $395 annual fee.
  • The $300 annual credit is only applicable for bookings made through Capital One Travel portal.
  • 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 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
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Best Premium Travel Credit Card
TPG Editor's Rating tooltip icon
4.5/5
Earn 75,000 miles
details
$395
2 - 10X miles
details

Why We Chose It

With a $395 annual fee, the card undercuts more expensive competitors in this space, but an annual fee is just a small part of the story. Add in a 10,000-mile bonus every account anniversary and lounge access, and the card may become the strongest option out there for a lot of travelers.

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • Unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide.
  • Earn 10,000 bonus miles every account anniversary.

Cons

  • $395 annual fee.
  • The $300 annual credit is only applicable for bookings made through Capital One Travel portal.
  • 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 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
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • Unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide.
  • Earn 10,000 bonus miles every account anniversary.

Cons

  • $395 annual fee.
  • The $300 annual credit is only applicable for bookings made through Capital One Travel portal.
  • 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 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
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Best for Dining at Restaurants
TPG Editor's Rating tooltip icon
4/5
  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Intro Offer tooltip icon
60,000 Membership Rewards® Points
$250
See Pay Over Time APR

Why We Chose It

The American Express® Gold Card wants a seat at your table, whether you’re dining out at restaurants or buying groceries at U.S. supermarkets. The card offers four points per dollar spent at restaurants and U.S. supermarkets (up to $25,000 a calendar year, then 1x).

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or Amex Travel.
  • Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
  • Up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment is required

Cons

  • Not as effective for those living outside the U.S.
  • Few travel protections.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $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.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Best for Dining at Restaurants
TPG Editor's Rating tooltip icon
4/5
Apply now for American Express® Gold Card at American Express's secure site
60,000 Membership Rewards® Points
details
$250
3 - 4X points
details

Why We Chose It

The American Express® Gold Card wants a seat at your table, whether you’re dining out at restaurants or buying groceries at U.S. supermarkets. The card offers four points per dollar spent at restaurants and U.S. supermarkets (up to $25,000 a calendar year, then 1x).

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or Amex Travel.
  • Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
  • Up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment is required

Cons

  • Not as effective for those living outside the U.S.
  • Few travel protections.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $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.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or Amex Travel.
  • Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
  • Up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment is required

Cons

  • Not as effective for those living outside the U.S.
  • Few travel protections.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $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.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
BEST FOR BONUS EARNING
TPG Editor's Rating tooltip icon
4.5/5
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro Offer tooltip icon
Earn 100,000 bonus points
$95
21.24% - 26.24% Variable

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance; and perks including cellphone and purchase protection
  • Extended warranty
  • Trip cancellation/interruption insurance; trip delay reimbursement

Cons

  • Yearly cap on bonus categories.
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
TPG Editor's Rating tooltip icon
4.5/5
Earn 100,000 bonus points
details
$95
1 - 3X points
details

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance; and perks including cellphone and purchase protection
  • Extended warranty
  • Trip cancellation/interruption insurance; trip delay reimbursement

Cons

  • Yearly cap on bonus categories.
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance; and perks including cellphone and purchase protection
  • Extended warranty
  • Trip cancellation/interruption insurance; trip delay reimbursement

Cons

  • Yearly cap on bonus categories.
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Best for No Annual Fee
TPG Editor's Rating tooltip icon
3/5
  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day
Intro Offer tooltip icon
20,000 miles
$0
19.99% - 29.99% (Variable)

Why We Chose It

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25x miles on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more.

Pros

  • No annual fee.
  • Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
  • No foreign transaction fees.

Cons

  • Capital One airline transfer partners do not include any large U.S. airlines.
  • $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
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
TPG Editor's Rating tooltip icon
3/5
20,000 miles
details
$0
1.25 - 5X miles
details

Why We Chose It

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25x miles on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more.

Pros

  • No annual fee.
  • Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
  • No foreign transaction fees.

Cons

  • Capital One airline transfer partners do not include any large U.S. airlines.
  • $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
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Pros

  • No annual fee.
  • Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
  • No foreign transaction fees.

Cons

  • Capital One airline transfer partners do not include any large U.S. airlines.
  • $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
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • 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 STARTER TRAVEL CARD
TPG Editor's Rating tooltip icon
4/5
  • 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • 1X Earn 1 Point per $1 spent on all other purchases
Intro Offer tooltip icon
60,000 points
$95
21.24% - 29.24% (Variable)

Why We Chose It

The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. Since the card earns the same number of points at gas stations, restaurants, supermarkets, airlines and hotels, it’s a great pick for beginner travel cardholders who want a simplified point system.

Pros

  • For a limited time earn 10 points per $1 dollar spent on hotels, car rentals, attractions (excluding air travel) when book through Citi Travel portal through June 30, 2024
  • Earns 3 points per dollar on restaurants, supermarkets, gas stations, air travel and other hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
BEST STARTER TRAVEL CARD
TPG Editor's Rating tooltip icon
4/5
60,000 points
details
$95
1 - 3X points
details

Why We Chose It

The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. Since the card earns the same number of points at gas stations, restaurants, supermarkets, airlines and hotels, it’s a great pick for beginner travel cardholders who want a simplified point system.

Pros

  • For a limited time earn 10 points per $1 dollar spent on hotels, car rentals, attractions (excluding air travel) when book through Citi Travel portal through June 30, 2024
  • Earns 3 points per dollar on restaurants, supermarkets, gas stations, air travel and other hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Pros

  • For a limited time earn 10 points per $1 dollar spent on hotels, car rentals, attractions (excluding air travel) when book through Citi Travel portal through June 30, 2024
  • Earns 3 points per dollar on restaurants, supermarkets, gas stations, air travel and other hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Best for Business Travel
TPG Editor's Rating tooltip icon
4/5
  • 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
  • 1.5X Earn 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • 1X 1X points for each dollar you spend on eligible purchases.
Intro Offer tooltip icon
Earn 120,000 points
$695
19.49% - 28.49% Variable

Why We Chose It

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Earn up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Gold status at Marriott and Hilton hotels. Enrollment required.
  • $400 annual credit for eligible U.S. Dell purchases. Enrollment required.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep $695 annual fee.
  • High spend needed for welcome offer.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • 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.
  • $695 Annual Fee.
  • Terms Apply.
TPG Editor's Rating tooltip icon
4/5
Earn 120,000 points
details
$695
1 - 5X points
details

Why We Chose It

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Earn up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Gold status at Marriott and Hilton hotels. Enrollment required.
  • $400 annual credit for eligible U.S. Dell purchases. Enrollment required.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep $695 annual fee.
  • High spend needed for welcome offer.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • 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.
  • $695 Annual Fee.
  • Terms Apply.

Pros

  • Earn up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Gold status at Marriott and Hilton hotels. Enrollment required.
  • $400 annual credit for eligible U.S. Dell purchases. Enrollment required.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep $695 annual fee.
  • High spend needed for welcome offer.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • 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.
  • $695 Annual Fee.
  • Terms Apply.
BEST FOR BEGINNER TRAVEL REWARDS
TPG Editor's Rating tooltip icon
3/5
  • 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Intro Offer tooltip icon
25,000 points
$0
18.24% - 28.24% Variable APR on purchases and balance transfers

Why We Chose It

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs.

Pros

  • 1.5 points per dollar on all purchases
  • No annual fee
  • No foreign transaction fees

Cons

  • Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
  • No travel and purchase protections.
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
BEST FOR BEGINNER TRAVEL REWARDS
TPG Editor's Rating tooltip icon
3/5
25,000 points
details
$0
1.5X points
details

Why We Chose It

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs.

Pros

  • 1.5 points per dollar on all purchases
  • No annual fee
  • No foreign transaction fees

Cons

  • Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
  • No travel and purchase protections.
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • 1.5 points per dollar on all purchases
  • No annual fee
  • No foreign transaction fees

Cons

  • Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
  • No travel and purchase protections.
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best for Everyday Business Spending
TPG Editor's Rating tooltip icon
4/5
  • 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro Offer tooltip icon
50,000 miles
$0 intro for first year; $95 after that
26.24% (Variable)

Why We Chose It

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category.

Those miles can then be easily redeemed for travel purchases or by transferring to partners.

Pros

  • You’ll earn 2 miles per dollar on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $925 according to TPG valuations, which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Best for Everyday Business Spending
TPG Editor's Rating tooltip icon
4/5
50,000 miles
details
$0 intro for first year; $95 after that
2 - 5X miles
details

Why We Chose It

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category.

Those miles can then be easily redeemed for travel purchases or by transferring to partners.

Pros

  • You’ll earn 2 miles per dollar on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $925 according to TPG valuations, which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Pros

  • You’ll earn 2 miles per dollar on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $925 according to TPG valuations, which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
BEST FOR FLEXIBLE REWARDS EARNING
TPG Editor's Rating tooltip icon
3.5/5
  • 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 3X Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • 1x 1X is earned for other purchases. **
Intro Offer tooltip icon
Earn 70,000 points
$375
19.49% - 28.49% Variable

Why We Chose It

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).

Cons

  • Hefty $375 annual fee.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
BEST FOR FLEXIBLE REWARDS EARNING
TPG Editor's Rating tooltip icon
3.5/5
Earn 70,000 points
details
$375
1 - 4X points
details

Why We Chose It

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).

Cons

  • Hefty $375 annual fee.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).

Cons

  • Hefty $375 annual fee.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Best for Travel Credits
TPG Editor's Rating tooltip icon
4.5/5
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.
Intro Offer tooltip icon
60,000 bonus points
$550
22.49% - 29.49% Variable

Why We Chose It

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access to Chase Ultimate Rewards hotel and airline travel partners.
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward.

Cons

  • Steep initial $550 annual fee.
  • May not make sense for people that don't travel frequently.
  • 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®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
Best for Travel Credits
TPG Editor's Rating tooltip icon
4.5/5
60,000 bonus points
details
$550
1 - 10X points
details

Why We Chose It

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access to Chase Ultimate Rewards hotel and airline travel partners.
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward.

Cons

  • Steep initial $550 annual fee.
  • May not make sense for people that don't travel frequently.
  • 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®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access to Chase Ultimate Rewards hotel and airline travel partners.
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward.

Cons

  • Steep initial $550 annual fee.
  • May not make sense for people that don't travel frequently.
  • 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®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

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