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Best credit cards for road trips

Photo of a young couple and their dog riding in a car on a bright summer day.
AleksandarNakic/Getty Images
Photo of a young couple and their dog riding in a car on a bright summer day.
AleksandarNakic/Getty Images
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This summer, the cost of airline tickets is up a whopping 25 percent over the same period last year. However, that’s not stopping travelers from making summer plans to get away. Many people are simply adjusting their travel plans to better suit their budgets. In a recent Bankrate poll, 25 percent of people surveyed said they’d simply travel shorter distances to cut costs, and 16 percent said they’d be driving instead of flying.

This idea makes a lot of sense, considering how much cheaper a road trip is than a flight. But having a cost-effective road trip requires more than hopping in the car and seeing where the road takes you. You’ll want to plan, budget and carry a credit card that makes road travel more cost-effective and secure.

Benefits of a road trip credit card

From roadside assistance to cash back on gas purchases, traveling with the right credit card can make your journey more affordable and safe. The best road-trip credit cards reward cardholders for common road-trip expenses like food stops, gas and lodging. The right credit card can also help you keep your funds secure because, unlike debit cards, your funds aren’t directly linked to your checking or savings accounts.

Most credit card companies have implemented zero liability fraud protections that absolve cardholders of responsibility for unauthorized charges, making credit cards the safer traveling companion. You can also have peace of mind knowing help is available should you be in an accident or have issues with your car, thanks to roadside assistance perks on some cards.

How to choose the best card for your road trip

The best credit card for your road trip will depend on your unique financial situation and what you need from your card. Although cards aren’t designed explicitly for rewarding road trips, many cards can help you shoulder the costs of your trip purchases and maximize perks on the road.

Here’s what you should consider when choosing a credit card for your road trip:

  • Gas, hotel, and restaurant rewards. Hotel stays (or other lodgings), gas purchases and dining out will be your main expenses while on your road trip. It’s important to be sure any card you choose generously rewards at least some of those categories.
  • Welcome bonuses. Cards that earn bonus points for dining out and gas are a boon for road-trip travelers and will help you earn your card’s welcome offer in no time. Choosing a card that offers a welcome bonus with a low spending threshold could provide an easy windfall of rewards to help cover road-trip expenses.
  • Credit score requirements. Some of the best travel cards require high credit scores, but that shouldn’t stop you from being rewarded for your road trip purchases (even if your credit is less than stellar). Check your credit score and use Bankrate’s CardMatch™ to determine if the card you want is within your range.

Best cards for your road trip

Bank of America Travel Rewards credit card: Best for expansive travel credit categories

Bank of America loyalists with an affinity for travel opportunities in many forms will find a lot to love in the Bank of America® Travel Rewards credit card. Aside from earning unlimited 1.5 points per dollar on all of your purchases (travel-related or not) you have a few redemption options to choose from, including gift cards, cash or statement credit that can be used directly to cover travel purchases. Many of the travel purchase categories covered with the statement credit option are not common among other travel credit cards, making this card a unique option to cover all the stops on your road trip. These categories include campgrounds, trailer park, motor home and recreational vehicle rentals and tourist attractions like art galleries, museums, amusement parks and zoos. Better yet, you can request statement credits to cover  your travel purchases for up to 12 months after you make the initial purchase.

Chase Sapphire Reserve: Best for renting a car

Chase Sapphire Reserve® cardholders will earn a whopping 10X points for booking their car rentals and hotel stays through the Chase Ultimate Rewards portal. The Sapphire Reserve also covers any rental car booked with the card for up to $75,000 for collision damage, theft or physical damage. You can also use your Chase Sapphire benefits to get roadside assistance (emergency fuel, a tow or a key lockout) up to four times per year for only $50 (as long as the vehicle is not at your primary residence). Overall the Sapphire Reserve is a solid choice for anyone looking to venture out on the open road.

Discover it chrome: Best for gas stations

All of your road trip essentials are covered with the Discover it® chrome. Earn 2 percent cash back at restaurants, 2 percent cash back on gas and 1 percent cash back on all your gas station snacks (and everything else), on up to $1,000 in combined purchases each quarter with the Discover it chrome. Cardholders will also get a dollar-for-dollar match for all the cash back they earn within the first 12 months from account opening, so you’ll get double the cash back for everything you spend on the first road trip you take with this card.

Blue Cash Everyday Card from American Express: Best for snack runs

If your road trip companions prefer to stock up on snacks instead of stopping at restaurants, this is the right card for you. The Blue Cash Everyday® Card from American Express earns solid rewards for road trip-related purchases. Cardholders will get 3 percent cash back at gas stations and supermarkets (and online retailers) on up to $6,000 per year, 1 percent cash back on everything else. There’s no annual fee to worry about, and cardholders will get a $200 welcome bonus (after spending $2,000 within the first six months from account opening).

The bottom line

While there are many great travel credit cards to choose from, some cards go further for road trippers. These cards earn top-tier rewards for common road trip expenses like gas, dining, lodging and activities. To keep your road trip affordable, fun and secure, be sure to consider the cards above for your next road trip.

Written by
Sarah Estime
Associate Writer
As a staff writer for Bankrate and CreditCards.com, Sarah offers sound advice that will improve your financial life and help simplify topics like travel hacking and credit card rewards.
Edited by
Credit Cards Author