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Best travel credit cards of December 2023

Updated November 27, 2023

Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

Featured Card
Best for gas
Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$300

Offer valuation

Info

1X - 3X

Rewards rate

Info

Annual fee

Regular APR

Info
Best starter travel card
Rating: 4.9 stars out of 5
4.9
Info
Apply now Lock
on Chase's secure site

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1200

Offer valuation

Info

2x - 5x

Rewards rate

Info

Annual fee

Regular APR

Best for no annual fee
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$340

Offer valuation

Info

1.25 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

Info
Best for practical perks
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site

Excellent (740 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 10 Miles

Rewards rate

Info

Annual fee

Regular APR

Info
Best for luxury travel
Rating: 4.8 stars out of 5
4.8
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1600

Offer valuation

Info

5X - 5X

Rewards rate

Info

Annual fee

Regular APR

Info
Best for flat-rate rewards
Rating: 4.9 stars out of 5
4.9
Info
Apply now Lock
on Capital One's secure site

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

BEST NO-ANNUAL-FEE HOTEL CARD
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$600

Offer valuation

Info

3X - 7X

Rewards rate

Info

Annual fee

Regular APR

Best for intro APR
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$250

Offer valuation

Info

1.5X

Rewards rate

Info

Annual fee

Regular APR

Info
BEST FOR COMPANION TICKETS
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$600

Offer valuation

Info

1X - 3X

Rewards rate

Info

Annual fee

Regular APR

BEST FOR TRANSFER PARTNERS
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

N/A

Intro offer

Info

N/A

Offer valuation

Info

1X Points - 3X Points

Rewards rate

Info

Annual fee

Regular APR

Info
Best for everyday spending
Rating: 4.7 stars out of 5
4.7
Info
Apply now Lock
on Citi's secure site

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$960

Offer valuation

Info

1X - 3X

Rewards rate

Info

Annual fee

Regular APR

Best for first-year value
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

N/A

Offer valuation

Info

1.5X

Rewards rate

Info

Annual fee

Regular APR

BEST LUXURY HOTEL CARD
Rating: 4.5 stars out of 5
4.5
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$665

Offer valuation

Info

2X - 6X

Rewards rate

Info

Annual fee

Regular APR

Info
Best for foodies
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Good to Excellent (670 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1200

Offer valuation

Info

3X - 4X

Rewards rate

Info

Annual fee

Regular APR

Best for expedited security screening
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$600

Offer valuation

Info

1.5X - 2X

Rewards rate

Info

Annual fee

Regular APR

Info
Best for point values
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Chase's secure site

Excellent (740 – 850)
Info
Recommended Credit
chance of approval
Info

Intro offer

Info

$1200

Offer valuation

Info

1x - 10x

Rewards rate

Info

Annual fee

Regular APR

BEST STARTER AIRLINE CARD
Rating: 4.5 stars out of 5
4.5
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$1125

Offer valuation

Info

1X - 2X

Rewards rate

Info

Annual fee

Regular APR

BEST FOR FAIR CREDIT
Rating: 3.2 stars out of 5
3.2
Info
Apply now Lock
on Credit One Bank's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

Intro offer

Info

N/A

Offer valuation

Info

1X - 10X

Rewards rate

Info

Annual fee

Regular APR

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit AmericanExpress.com/benefitsguide for more details. Underwritten by Amex assurance company.


The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare the best travel credit cards of 2023

Card name Rewards highlights Welcome offer Annual fee Bankrate review score
3X points on purchases at restaurants, gas stations and electric vehicle charging stations, as well on travel, transit, select streaming services and phone plans
Intro Offer: 30,000 bonus points
Info
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR
$0
Apply now Lock
on Wells Fargo's secure site

4.2 / 5

Info

(Read card review)

5X points on travel purchased through Chase Ultimate Rewards®
 

3X points on dining and online grocery purchases (excluding Walmart, Target and wholesale clubs)

2X points on other travel purchases

 
Intro Offer: 60,000 bonus points
Info
Regular APR: 21.49% - 28.49% Variable
$95
Apply now Lock
on Chase's secure site

4.9 / 5

Info

(Read card review)

Earn 5X miles on on hotels and rental cars booked through Capital One Travel
 
1.25X miles on other purchases
Intro Offer: 20,000 miles
Info
Regular APR: 19.99% - 29.99% (Variable)
$0
Apply now Lock
on Capital One's secure site

4.1 / 5

Info

(Read card review)

10X miles on hotels and rental cars booked through Capital One Travel. 

5X miles on flights booked through Capital One Travel.

2X miles on other purchases

Intro Offer: 75,000 miles
Info
Regular APR: 19.99% - 29.99% (Variable)
$395
Apply now Lock
on Capital One's secure site

5.0 / 5

Info

(Read card review)

5X points on flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year), and on prepaid hotels booked with American Express Travel
Intro Offer: Earn 80,000 points
Info
Regular APR: See Pay Over Time APR
$695
Apply now Lock
on American Express's secure site

4.8 / 5

Info

(Read card review)

See Rates & Fees , Terms Apply

5X miles on hotels and rental cars booked through Capital One Travel 

2X miles on other purchases

Intro Offer: Earn 75,000 miles
Info
Regular APR: 19.99% - 29.99% (Variable)
$95
Apply now Lock
on Capital One's secure site

4.9 / 5

Info

(Read card review)

7X points on direct Hilton hotel and resort bookings

5X points at U.S. supermarkets, U.S. gas stations and U.S. restaurants

3X points on all other purchases

 
Intro Offer: Earn 100,000 points
Info
Regular APR: 20.99%-29.99% Variable
$0
Apply now Lock
on American Express's secure site

4.3 / 5

Info

(Read card review)

See Rates & Fees , Terms Apply

1.5X points on all purchases (1.87X to 2.62X points, if a Preferred Rewards member)

 
Intro Offer: 25,000 points
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Apply now Lock
on Bank of America's secure site

4.1 / 5

Info

(Read card review)

3X miles on Delta flights and transactions made directly with hotels;

2X miles at U.S. supermarkets and restaurants

 
Intro Offer: Earn 50,000 miles
Info
Regular APR: 20.99%-29.99% Variable
$250
Apply now Lock
on American Express's secure site

4.4 / 5

Info

(Read card review)

See Rates & Fees , Terms Apply

3X points on dining

2X points on travel

1X points on rent payments (up to a maximum 100,000 points per year)

(Must make five posted transactions each statement to earn points)

 
Intro Offer: N/A
Regular APR: See Terms
None
Apply now Lock
on Wells Fargo's secure site

4.0 / 5

Info

(Read card review)

3X points on restaurant, supermarkets, gas station, air travel and hotel purchases

10X total points on hotels, car rentals and attractions (excluding air travel) through the Citi Travel℠ portal (through June 30, 2024)

 
Intro Offer: 60,000 points
Info
Regular APR: 21.24% - 29.24% (Variable)
$95
Apply now Lock
on Citi's secure site

4.7 / 5

Info

(Read card review)

1.5X miles on all purchases

Intro Offer: Discover Match®
Info
Regular APR: 17.24% - 28.24% Variable APR
$0
Apply now Lock
on Discover's secure site

4.1 / 5

Info

(Read card review)

6X points for eligible purchases at Marriott Bonvoy properties

3X points at restaurants and on flights booked directly with airlines 

2X points on all other purchases

 
Intro Offer: Earn 95,000 Marriott Bonvoy bonus points
Info
Regular APR: 20.99%-29.99% Variable
$650
Apply now Lock
on American Express's secure site

4.5 / 5

Info

(Read card review)

See Rates & Fees , Terms Apply

4X points at restaurants (including Uber Eats and other eligible U.S. delivery services) and U.S. supermarkets (on up to $25,000 per calendar year, then 1X points)

3X points on flights booked directly with airlines or via the American Express Travel portal

 
Intro Offer: 60,000 Membership Rewards® Points
Info
Regular APR: See Pay Over Time APR
$250
Apply now Lock
on American Express's secure site

5.0 / 5

Info

(Read card review)

See Rates & Fees , Terms Apply

2X points on travel and dining

1.5X points on all other purchases

 
Intro Offer: 60,000 points
Info
Regular APR: 20.24% - 27.24% Variable APR on purchases and balance transfers
$95
Apply now Lock
on Bank of America's secure site

4.4 / 5

Info

(Read card review)

10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. 

5X total points on air travel through Chase Ultimate Rewards®.

3X points on other travel and dining.

 
Intro Offer: 60,000 points
Info
Regular APR: 22.49% - 29.49% Variable
$550
Apply now Lock
on Chase's secure site

4.3 / 5

Info

(Read card review)

2X points on Southwest purchases, local transit and commuting (including ride-shares) and internet, cable, phone and select streaming services

Intro Offer: Earn 75,000 points
Info
Regular APR: 21.49% - 28.49% Variable
$69
Apply now Lock
on Chase's secure site

4.5 / 5

Info

(Read card review)

10X points on eligible hotels and car rentals booked using the Credit One Bank travel site 

5X points on eligible travel including flights, dining, and gas purchases

 
Intro Offer: 10,000 Bonus Points
Info
Regular APR: 29.24% Variable
$95
Apply now Lock
on Credit One Bank's secure site

3.2 / 5

Info

(Read card review)

A closer look at Bankrate's top travel credit cards

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Wells Fargo Autograph℠ Card

BEST FOR GAS

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It earns a solid rewards rate for purchases in popular categories like gas stations, restaurants, travel and transit. And while some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
This card is a good choice if you’re new to travel rewards or just want a low-cost card with a simple rewards program that covers your dining and travel purchases.

This card does not charge foreign transaction fees and comes with valuable perks like rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, which opens the door to additional features like access to Visa’s Luxury Hotel Collection.

If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard or Chase Sapphire Preferred Card.
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Chase Sapphire Preferred® Card

BEST STARTER TRAVEL CARD

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On top of an outstanding sign-up bonus, you get travel and purchase protections and a rewards program that earns points on both travel and everyday purchases, like online groceries and streaming services.

This is a great travel card for people with 2023 travel plans, as Chase recently updated its sign-up bonus to 60,000 points after spending $4,000 in the first three months of account opening. If you redeem these points for travel on Chase Ultimate Rewards, they're worth 1.25 cents each, making the whole bonus worth up to $750 in travel.

You’ll get up to $50 in annual statement credits for hotel stays booked through Chase and your points are worth 25 percent more when you redeem for airfare, hotels, car rentals and cruises through the Chase travel portal. 

The Citi Premier® Card not only has a comparable sign-up bonus and the same annual fee as the Sapphire Preferred, but also covers even more everyday categories, including  supermarkets and gas stations, potentially making it a better fit as a standalone rewards card. 

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Capital One VentureOne Rewards Credit Card

BEST FOR NO ANNUAL FEE

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This entry-level travel rewards card comes with a decent sign-up bonus, the chance to earn flat-rate miles on all purchases and the option to transfer miles to travel partners without owing an annual fee. (See Rates and Fees)

Occasional travelers looking to earn flexible travel rewards without paying an annual fee.

You can transfer your miles to over 15 loyalty programs, redeem them for travel through the Capital One Travel portal or use them to cover outside travel purchases — a unique level of redemption flexibility for a no-annual-fee travel card.
A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee.
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Capital One Venture X Rewards Credit Card

BEST FOR PRACTICAL PERKS

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This card offers a great mix of practical, valuable perks, including complimentary lounge access and a high rewards rate for both travel and non-travel purchases. It also comes with a relatively low annual fee compared to other luxury travel cards. (See Rates and Fees)

Travelers looking to sample luxury benefits without paying over $400 in annual fees.

You’ll get $300 in annual credits for travel bookings made through Capital One Travel, 10,000 bonus miles each year on your account anniversary and access to over 1,300 Priority Pass lounges worldwide.

If a higher annual fee is no issue, consider the Platinum Card from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status.

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The Platinum Card® from American Express

Best for luxury travel

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If you can take advantage of all the high-value benefits packed in this card, it could be one of the most lucrative on the market. You’ll have a chance at a huge welcome offer, annual statement credits worth over $1,000 and access to Priority Pass Select lounges, Centurion lounges and Delta Sky Clubs (for Delta flights only).

Frequent travelers who enjoy luxury travel benefits and elite status.

Along with comprehensive lounge access, you can take advantage of an up to $200 airline fee credit, up to $200 in Uber Cash (benefit renews annually), an up to $189 CLEAR® Plus Credit and several other benefits.

The Capital One Venture X Rewards Credit Card offers a taste of luxury at a much lower cost than the Amex Platinum. For a $395 annual fee, travelers unlock a generous travel rewards rate, a higher rewards rate on general purchases, complimentary Priority Pass and Capital One lounge access and valuable annual travel credits and anniversary miles (See Rates and Fees).

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Capital One Venture Rewards Credit Card

BEST FOR FLAT-RATE REWARDS

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It offers an easy way to earn travel rewards, comes with a generous sign-up bonus and has several travel and purchase protections for a modest annual fee of $95. (See Rates and Fees)

Travelers who want to earn rewards at a flat rate on all purchases and enjoy flexibility in how they redeem their miles.

Get a credit worth up to $100 for Global Entry or TSA PreCheck® and transfer your miles to 15+ airline and hotel loyalty programs, often for a higher redemption value.

The Chase Sapphire Preferred card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Your points are worth 1.25 cents each if you redeem for travel through Chase, versus the 1 cent per mile value you’d get with the Venture.

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Hilton Honors American Express Card

BEST NO-ANNUAL-FEE HOTEL CARD

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This card earns rewards not only on Hilton bookings, but also in several popular everyday spending categories. This makes it a solid standalone option for earning Hilton points even if you don’t spend a ton on travel.

Occasional travelers who prefer to stay at Hilton hotels and would rather earn rewards with a single no-annual-fee card than juggle multiple rewards cards.

As you might expect since it carries no annual fee, this card's perks are underwhelming, but it does come with automatic Hilton Honors Silver elite status, which unlocks benefits like a fifth night free on award stays and two free bottles of water per stay.

The Amex Green Card could be more flexible since it earns rewards on a much wider variety of travel purchases, including airfare and bookings with any hotel, not just Hilton. You can also redeem points to cover bookings with multiple airlines and hotels or even transfer points to outside loyalty programs, including Hilton Honors.

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Bank of America® Travel Rewards credit card

BEST FOR INTRO APR

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Unlike some travel rewards cards, this card lets you redeem rewards for more than just typical travel costs like airfare and hotels. You can also redeem points for statement credits to cover purchases at zoos, art galleries, aquariums, travel agencies and more.

Occasional travelers looking for a no-annual-fee travel card that offers a simple flat rate for all purchases.

Points don’t expire and you can redeem for bookings with any airline or hotel anytime without blackout dates. You can also redeem points for statement credits to pay for travel or dining purchases.

The Bilt Mastercard is another solid no-annual-fee travel card, but it stands out by earning points on rent payments and helping you avoid processing fees typically associated with paying rent with a credit card. You’ll also earn bonus points for dining and travel and, unlike many no-annual-fee cards, you can transfer your points to high-value airline and hotel partners.

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Delta SkyMiles® Platinum American Express Card

BEST FOR COMPANION TICKETS

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You can easily justify this card’s annual fee given the value of the annual companion certificate perk. The card also earns rewards on restaurant and U.S. supermarket purchases — two practical, popular categories — not just airfare.

Frequent travelers looking for a way to earn Delta SkyMiles and unlock a solid roster of Delta perks.

Along with the companion ticket, you can get up to $100 in statement credits to cover the cost of a Global Entry or TSA Precheck application fee, Delta Sky Club lounge access for $50 per person when flying Delta (effective 1/1/24, this benefit will no longer be available), trip delay insurance and more.

The Amex Green card could be a great alternative since it charges a lower annual fee ($150), lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

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Bilt Mastercard®

Best for transfer partners

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This card is a terrific choice for renters since it earns rewards and waives transaction fees when you use it to pay rent. It’s also a solid pick for beginner travelers since it offers high-value travel and dining points. Plus, it’s one of the few no-annual-fee cards to provide airline and hotel transfer partners — including American Airlines.

Long-term renters who want to earn travel rewards and minimize fees. It’s also a good fit for travelers who don’t like paying annual fees and can plan ahead. Since you earn double points on the first of every month for travel, dining and general purchases, you can earn outsized rewards not often found with other general-purpose travel cards. 

Along with stellar airline transfer partners, the Bilt card offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.

If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred card. It earns generously on both travel and dining and also boasts high-value points and a long list of airline and hotel partners.
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Citi Premier® Card

BEST FOR EVERYDAY SPENDING

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This mid-level travel card earns rewards at a high rate on both travel and everyday spending, making it a great standalone rewards option. It also comes with an annual hotel credit that can offset the card’s annual fee on its own.

Occasional travelers who want to earn travel rewards on everyday purchases like groceries, gas and dining.

 You’ll earn a $100 statement credit when you book a single hotel stay of $500 or more through Citi. The card also carries no foreign transaction fees.

The Chase Sapphire Preferred boasts fewer everyday bonus categories, but it may offer more valuable rewards. Chase points are worth 25 percent more than Citi points when you redeem for travel through the Ultimate Rewards portal.

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Discover it® Miles

BEST FOR FIRST-YEAR VALUE

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Discover will match every mile you earn at the end of your first year. Depending on how much you spend, this could give you a chance at a higher bonus value than you’d get with any other no-annual-fee rewards card.

Travelers who value simplicity will appreciate this card’s straightforward rewards rate and flexible redemption.

While this card is light on perks, it’s one of the few no-annual-fee travel cards that lets you redeem miles for cash back, travel and more without worrying about redemption values. Many cards require you to sacrifice rewards value if you opt for cash back instead of travel.

The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

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Marriott Bonvoy Brilliant® American Express® Card

BEST LUXURY HOTEL CARD

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It comes with a slew of valuable perks that can help offset the annual fee and make travel more enjoyable, including complimentary Priority Pass lounge access and annual credits for eligible restaurant purchases.

Frequent travelers who prefer to stay at Marriott hotels and don’t mind paying a high annual fee to unlock luxury perks and Marriott elite status.
Along with airport lounge access, you’ll enjoy perks like a $100 annual luxury property credit, a free night award every year after your card renewal month and an up to $100 credit to cover a Global Entry or TSA Precheck application fee.
If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider the Amex Platinum or Chase Sapphire Reserve card, which both come with generous travel benefits and let you transfer points to Marriott.
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American Express® Gold Card

BEST FOR FOODIES

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It offers high rewards rates and a ton of valuable perks for foodies and frequent travelers alike, including hundreds in annual dining, hotel and rideshare credits. These benefits make the card’s annual fee more than worth it.

Foodies and frequent travelers looking to earn rewards on everyday spending.

Receive up to $240 in annual credits combined between Uber Cash and dining credits as well as a boosted 3X points on flights booked directly with airlines or through the American Express Travel Portal.

If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred. It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

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Bank of America® Premium Rewards® credit card

BEST FOR EXPEDITED SECURITY SCREENING

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