Best Travel Credit Cards

Summer's over, but travel season never ends. Whether it's a vacation, business trip or class reunion, travel credit cards help you earn valuable points and miles. Bankrate is here to help you choose the right card for your fall getaway. Check out the best travel cards from our partners and start planning your next trip today.

Banktrate.com's Best Travel Credit Cards of December 2019

Need more information?

Skip down to read our card profiles and expert advice.

Best for overall travel

Capital One Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Venture® Rewards Credit Card

Rewards Rate:
Earn 2X miles on every purchase, every day.
Welcome Offer:
50,000 miles once you spend $3,000 on purchases within 3 months from account opening
Annual Fee:
$0 intro for first year; $95 after that
Regular APR:
17.49% - 24.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Terms and Restrictions Apply

Best for travel spending

Capital One Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® VentureOne® Rewards Credit Card

Rewards Rate:
Earn 1.25X miles on every purchase, every day.
Welcome Offer:
20,000 miles once you spend $1,000 on purchases within 3 months from account opening
Annual Fee:
$0
Regular APR:
13.74% - 23.74% (Variable)

Card Details

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
Terms and Restrictions Apply

Best for your first travel card

Chase Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Sapphire Preferred® Card

Rewards Rate:
2X points on travel and dining at restaurants worldwide 1 point per dollar spent on all other purchases
Welcome Offer:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Annual Fee:
$95
Regular APR:
17.49% - 24.49% Variable

Card Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Terms and Restrictions Apply

Best first-year bonus

Discover Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Miles

Rewards Rate:
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
Welcome Offer:
Discover will match all the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel!
Annual Fee:
$0
Regular APR:
13.49% - 24.49% Variable

Card Details

  • Unlimited Bonus: Discover will match all the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Best airline card with no annual fee

American Express Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Blue Delta SkyMiles® Credit Card from American Express

Rewards Rate:
2 miles per dollar at US restaurants. 2 Miles per dollar spent on purchases made directly with Delta. 1 mile on every eligible dollar spent on other purchases.
Welcome Offer:
Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
Annual Fee:
$0
Regular APR:
17.24%-26.24% Variable

Card Details

  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Best travel card with no annual fee

Bank of America Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Bank of America's secure website

Bank of America® Travel Rewards Visa® credit card

Rewards Rate:
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
Welcome Offer:
25,000 online bonus points if 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
Annual Fee:
$0
Regular APR:
16.49% - 24.49% Variable APR on purchases

Card Details

  • 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
  • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Terms and Restrictions Apply

Best for travel rewards on dining

American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

American Express® Gold Card

Rewards Rate:
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Welcome Offer:
Earn 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Annual Fee:
$250
Regular APR:
See Rates & Fees

Card Details

  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Best for international travel

American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

The Platinum Card® from American Express

Rewards Rate:
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Welcome Offer:
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Annual Fee:
$550
Regular APR:
N/A

Card Details

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed herein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

 


Author: Barry Bridges | bbridges@bankrate.com


A guide to choosing the best travel credit card

Both beginner travelers and seasoned road warriors can benefit from the rewards and perks that come with a travel credit card. With some strategizing and careful budgeting, you can easily use your points and miles to fund your next getaway.


Best Travel Credit Cards

Capital One® Venture® Rewards Credit Card

Why we rate it best for overall travel

The Capital One Venture offers a winning combination of generous rewards, sign-up bonus, benefits and perks. In a category with some formidable competitors, this card manages to stand apart in terms of sheer value and the versatility of its airline transfer program.

Pro-tip

You can pair this card with the Capital One® Savor® Cash Rewards Credit Card. Use the Savor for dining and entertainment purchases and the Venture for everything else. Use the cash back you earn from the Savor to cover travel expenses that your Venture rewards doesn’t cover.

Read the review and apply on Capital One’s secure website.

Capital One® VentureOne® Rewards Credit Card

Why we rate it best for flexible travel

The VentureOne offers 1.25X miles per dollar spent to the Venture’s 2X miles per dollar spent but mirrors it’s sister card in flexible travel redemptions- any airline, any hotel, anytime. Although the sign-up bonus and rewards rate on general purchases are smaller, the lack of an annual fee helps compensate.

Pro-tip

The Capital One® SavorOne® Cash Rewards Credit Card could be a good companion for the VentureOne. It’s essentially the same matchup as the Venture/Savor, but without the annual fees. You’ll still earn some impressive rewards, just not at the same rate. If you one day decide the annual fees are worth it, you can always call Capital One to request an upgrade.

Read the review and apply on Capital One’s secure website.

Chase Sapphire Preferred® Card

Why we rate it best for your first travel card

If you’ve never had a travel rewards credit card, earning 2X points on travel and dining at restaurants worldwide with the Chase Sapphire Preferred could make the experience both easy and rewarding. Don’t forget that you can maximize your rewards with a 25% boost in points value when you redeem for airfare, hotels, car rentals and cruises through the Chase Ultimate Rewards® portal.

Pro-tip

Combining the Chase Sapphire Preferred with the Chase Freedom Unlimited® could be a rewards bonanza for beginner travelers. You can transfer points to your Chase Sapphire Preferred for maximum value when you redeem through Chase Ultimate Rewards.

Read the review and apply on Chase’s secure website.

Discover it® Miles

Why we rate it best for first-year bonus

Thanks to the Unlimited Bonus feature, Discover will match all the Miles you’ve earned at the end of your first year. If you make the Discover it Miles your go-to card over the first 12 months, the Unlimited Bonus could help set you up with enough miles to redeem for several hundred dollars toward travel after your one-year anniversary as a cardholder.

Pro-tip

If you frequently use a particular hotel chain or airline, consider pairing the Discover it Miles with a co-branded hotel card or airline card that matches your preference. You can still apply your Miles to help pay for eligible travel purchases, including hotel stays and airfare, and you’ll probably get additional points value for the rewards you earn through a hotel or airline loyalty program.

Read the review and apply on Discover’s secure website.

Blue Delta SkyMiles® Credit Card from American Express

Why we rate it the best airline card with no annual fee

The Blue Delta SkyMiles offers a scaled-down version of many of the benefits you’d enjoy with a premium airline card, only without the accompanying annual fee. The card earns a respectable 2X miles at U.S. restaurants, 2X miles on purchases made directly with Delta and 1X miles per dollar on everything else. Plus, you get purchase protection, extended warranty on eligible purchases and other American Express perks. For casual flyers who make Delta their first option, it’s a useful alternative to a high-fee card.

Pro-tip

This card charges a 2.7% foreign transaction fee. If any of your Delta flights take you overseas, consider packing a second card that doesn’t charge a foreign transaction fee and use it for general non-travel purchases.

Read the full review and apply on the American Express secure website.

Bank of America® Travel Rewards Visa® credit card

Why we rate it best for travel with no annual fee

It can be tough to find a quality travel card that doesn’t charge an annual fee, but the Bank of America Travel Rewards Visa is an exception. The card offers even more value to Bank of America Preferred Rewards clients, with rewards point bonuses of 25%-75%. You could even take the money you save on annual fees and put it into a qualifying BofA account.

Pro-tip

You could go all in with BofA and pair this travel card with the Bank of America® Premium Rewards® Visa® credit card. You can earn the same Preferred Rewards bonus with both cards if you have an eligible account, and you can also use points earned with the Premium Rewards Visa on purchases at the Bank of America Travel Center portal.

Read the review and apply on Bank of America’s secure website.

American Express® Gold Card

Why we rate it best for travel rewards on dining

The rewards rate of 4X Membership Rewards points per $1 on dining at restaurants worldwide is unusually generous. At the same time, the card also has the potential for big rewards at U.S. supermarkets (4X on up to $25,000 per year in purchases, then 1X) and on flights booked directly with airlines or on amextravel.com (3X).

Pro-tip

You don’t get lounge access included with the American Express Gold Card, although you can buy passes. If this feature is a must-have for you, consider getting a card that offers airport lounge access as a standard feature or pairing the Gold Card with a card that does.

Read the review and apply on the American Express secure website.

The Platinum Card® from American Express

Why we rate it the best for international travel

Traveling internationally means spending a lot of time in the air, and in terminals. You can use this card’s Airline Fee Credit of up to $200 each year to cover the cost of checked bags, in-flight Wi-Fi, flight-change fees and other expenses to improve your travel experience. The annual credit, up to $200, is larger than many of the Platinum Card’s competitors.

Pro-tip

Check the terms and conditions to see which benefits require activation or enrollment. For instance, make sure to activate the Airline Fee Credit on the American Express website.

Also, you’ll need to enroll online or call Platinum® Life Offers at +44 (0) 1-273-576-454 to take advantage of complimentary elite status at Hilton and Marriott properties.

Read the review and apply on the American Express secure website.


Compare the best travel credit cards

Card Name Best for Rewards highlights Bankrate Score
Capital One Venture Rewards Credit Card Overall travel 2x miles per every dollar spent 4.7 / 5
Capital One® VentureOne® Rewards Credit Card Flexible travel 1.25x miles on every purchase 4.4 / 5
Chase Sapphire Preferred Card Your first travel card 2x per $1 spent on dining and travel; 1x on everything else 4.8 / 5
Bank of America® Travel Rewards Visa® credit card Travel with no annual fee 1.5 points per $1 spent 4.3 / 5
Discover it® Miles First-year bonus Unlimited 1.5x miles per $1 spent 4.8 / 5
Blue Delta SkyMiles® Credit Card from American Express Airline card with no annual fee 2X miles at U.S. restaurants, 2X miles on purchases made directly with Delta, 1X miles per dollar on other eligible purchases 4.1 / 5
American Express® Gold Card Travel rewards on dining 4X Membership Rewards® points at restaurants worldwide 4.4 / 5
The Platinum Card® from American Express International travel 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel 4.8 / 5
Alaska Airlines Visa Signature® credit card Companion fare 3 miles for every $1 spent on eligible Alaska Airlines flights, 1 mile per $1 on other purchases 4.7 / 5

Methodology: How we chose the best travel credit cards

The Bankrate scoring system evaluates credit cards on a five-point system devised to take into account various attributes, such as annual fees, APR, rewards value and sign-up bonuses/welcome offers. With travel rewards cards, our experts pay particular attention to:

  • Rewards structure. The best travel card for you will allow you to earn the most rewards for your specific spending habits. The cards in our lineup cover a variety of programs geared toward hotel lodging, dining, air travel costs and other factors.
  • Travel perks. The top travel rewards cards offer a lot of travel-specific benefits, including trip insurance, checked bag discounts, airport lounge access and airline credits.
  • Fees. A prime example is the foreign transaction fee, which tacks on extra cost for purchases made overseas. International travelers in particular should lean toward cards that don’t charge this fee.

What is a travel rewards credit card?

Travel rewards cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related) that can then be redeemed in the form of travel bookings, statement credits, gift cards, and more.

The best travel cards won’t just help you foot the bill for your next flight — they’ll also offer perks to transform your entire travel experience. Trip insurance, annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty customers.

How do miles work on travel credit cards?

Miles work the same way as credit card points. When you use miles to book travel directly through an airline or travel portal, the airline or issuer will assign a set number of award miles to each ticket. Some airlines have established award charts that give you insight into what each flight would cost in miles, but many have switched to a dynamic pricing model that bases award pricing on multiple factors, including seasonality and route popularity.

When you’re redeeming miles as a statement credit, they’re assigned a monetary value (typically 1 cent per point, though that isn’t the case with all issuers). If you want to stay updated on the value of your points and miles, ThePointsGuy tracks valuations on a monthly basis.

Speaking of keeping track, be aware that miles and points can expire. A recent Bankrate survey found that almost half of travel loyalty program members have let airline and hotel rewards expire at some point.

Make a point of knowing your card issuer’s policy on expirations and checking your online dashboard or printed monthly statement on a regular basis. If you don’t use your rewards before they expire, you’re essentially forfeiting money.

How to budget and save using travel credit card rewards

Travel means a lot more than vacations. Many people travel for business, and even some family trips aren’t strictly for fun. For example, parents might be traveling with their college-bound teens to check out different campuses this time of year. Autumn might also be the time of year when many colleges and high schools host homecomings and class reunions.

What do these different types of travel have in common? Regardless of your destination or itinerary, the right travel rewards credit card can help make your trip a more economical and more pleasant experience.

Card rewards might not cover the entire bill, but with strategic budgeting and planning, they can help offset the costs of travel. Plus, travel card perks and benefits provide a layer of protection against the unexpected, such as lost luggage or flight cancellations and delays.

Here are some money-saving tips for travelers:

Calculate your travel budget

One of the greatest barriers to taking time off is money. A Bankrate survey found that only 52 percent of Americans said they were definitely taking a vacation in 2019. Most people who planned to take a pass on a 2019 vacation cited affordability as the number one reason. More specifically, day-to-day bills and paying down debt were the most common financial roadblocks to affording a getaway.

For starters, you can crunch the numbers on all the projected factors to see how much you need to save. This includes transportation (airfare, gas, tolls, etc.), hotels/lodging, various excursions, food and souvenirs. Once you have a rough calculation of how much you could end up paying, you can then adjust or scale back as needed if it’s too expensive.

Getting in the habit of budgeting your everyday (and major) expenses might help you save in the long run. Bankrate’s Home Budget Calculator can help you gain a better understanding of where the majority of your heftiest expenses lie, and mobile apps like Digit, Dobot and others can make sticking to your budget less of a hassle.

Maximize sign-up bonuses/welcome offers

Depending on your budget and needs, knowing how to spend with a travel credit card can make paying for your next trip less daunting. If you utilize the introductory bonus and spend the required amount to reach, say, a 50,000-mile offer, it could bring you several hundred dollars’ worth of rewards that you can put toward transportation, lodging or whatever the card allows.

Know when to book

Using your travel credit card to book flights or hotels in advance can also help you save money. According to CheapAir.com’s 2019 Airfare study, Tuesday is the cheapest day to fly, with costs coming in at about $85 cheaper than the most expensive day of the week (typically on a weekend). Fall — otherwise known as a “shoulder season” — is also a more affordable time to travel. The average domestic fare in the fall costs $342 compared to peak summer season at $365, according to the study.

Who should get a travel rewards credit card?

Contrary to popular belief, you don’t actually have to be a frequent jet setter to reap all the benefits a travel credit card has to offer. There is a travel card out there for every type of traveler. Once you have a better understanding of the type of traveler you are, you can seek cards with perks that will best benefit your situation.

In short, travel credit cards are worth it for:

Beginner travelers

If you’re new to traveling, it might be best to start out with a card that offers simple yet flexible rewards. If you’re learning the ins and outs of points and miles, the last thing you need is a complicated rewards structure and redemption process. If you’re just starting out, a luxury card with a steep annual fee might not be the best for your current situation.

Brand loyalists

Some people like to fly with the same airline whenever possible or stay at the same hotel brand wherever they go. If you are the same way, a brand-specific card will probably provide you with the best value. Most of the time, brand-specific cards have brand-related purchases as a bonus category and other perks for loyal customers.

Business travelers

Some of the most valuable travel credit cards are business cards. Whether you are a freelancer who travels a lot to meet new clients or the CEO of a Fortune 500, the right travel credit card can help you reap the rewards of everyday business purchases while helping you keep your personal and business expenses organized.

International travelers

If you travel out of the country for business or leisure frequently, consider opting for a card that doesn’t charge a foreign transaction fee. And if you hate waiting in line at airport security or customs, there are a lot of travel cards that will provide reimbursement for Global Entry or TSA PreCheck application fees, including the Capital One Venture card and others.

Luxury travelers

If you’re really looking for a luxury travel experience, you need a top-tier travel card. For example, the Chase Sapphire Reserve offers a well-rounded selection of perks and The Platinum Card from American Express includes access to Centurion Lounges. While top-tier cards also tend to charge annual fees, you can compensate for the cost if you take full advantage of the trip insurance, travel credits and other perks.

The information about the Chase Sapphire Reserve card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Find out more about rewards cards for travelers


Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com.

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.