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Travel Credit Cards

There are several kinds of credit cards that can be used to redeem for free travel.

There are, of course, Airline Credit Cards, which allow you to rack up airline miles and come with perks like free checked bags and priority boarding.

There are Hotel Credit Cards which allow you to earn hotel points good for free stays and often come with perks like elite status (or credits towards elte status) and annual free nights.

Next are the four major transferable point currencies, meaning you can transfer your points to a variety of airline and hotel partners and you aren’t locked into one program that may or may not have availability when you want it:

You can see all four major bank card currencies below:

Credit Cards That Earn Chase Ultimate Rewards Points

Credit Cards That Earn American Express (Amex) Membership Rewards Points

Credit Cards That Earn Capital One Miles

Credit Cards That Earn Citi ThankYou Points

And lastly, there are cards like the Venture from Capital One and the Spark Miles Business Credit Card from Capital One which let you erase travel purchases with your points and cards like the Chase Sapphire Preferred Card, Chase Sapphire Reserve, and  Chase Ink Preferred with which you can transfer the points to partners or redeem inside their travel booking portal at a set rate.

We base our ratings below on the value of the points of each card multiplied by the amount of the bonus. Pretty simple!

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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44 Cards Available:

Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,750

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Annual Fee: $95

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Estimated Bonus Value :

$1,750

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.

The Chase Ink Preferred credit card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.

If your business spends a lot in any of these categories, you can earn a ton of points.

It also earns 5X Ultimate Rewards points on Lyft rides.

You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.
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Estimated Bonus Value :

$1,400

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Annual Fee: $95

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Estimated Bonus Value :

$1,400

Offer: 80,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months

Perhaps the best "starting out card" in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Chase Sapphire Preferred Card Earn Rate:

  • 5X Chase Ultimate Rewards points on Lyft rides
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases

Limited Time Chase Sapphire Preferred Bonus Categories - July 1st - September 30, 2020 Only

  • Earn 5X Ultimate Rewards points for Streaming Services
  • Earn 3X Ultimate Rewards points at Gas Stations
  • Earn 3X Ultimate Rewards points for Instacart
  • Get up to $50 in Instacart Express credits
  • Qualifying Streaming Services are listed as: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV.

 

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase.

Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.

Offer: 80,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$1,275

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Annual Fee: $595

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Estimated Bonus Value :

$1,275

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.

Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).

In 2020, the Dell credit is doubled to $200 Jan-June and $200 July-Dec!)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months
Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $95

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Estimated Bonus Value :

$1,200

Offer: 50,000 bonus points when you spend $3,000 in 3 months and 50,000 more bonus points if you spend $20,000 in your first year

Earn 2x Capital One miles on all purchases. Use as a travel eraser at 1 cent per point or transfer to airline miles at 2:1.5 ratio (equals 1.5 airline miles per dollar spent).

Earn 5% on Capital One Travel-booked hotel and rental car bookings

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a purchase eraser, the early spend bonus value will be $500, exactly.

2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

Click below to see details on the airline partners.

Offer: 50,000 bonus points when you spend $3,000 in 3 months and 50,000 more bonus points if you spend $20,000 in your first year
Credit card

United Club Infinite Card

Annual Fee: $525

Estimated Bonus Value :

$1,200

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Annual Fee: $525

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Estimated Bonus Value :

$1,200

Offer: 100,000 bonus MileagePlus miles when you spend $5,000 in your first 3 months

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), and expanded award availability.

The card also provides a Global Entry / PreCheck credit of up to $100

You can earn a PQD waiver with $25,000 spend.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 4X. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 100,000 bonus MileagePlus miles when you spend $5,000 in your first 3 months
Credit card
Estimated Bonus Value :

$1,020

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Annual Fee: $550

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Estimated Bonus Value :

$1,020

Offer: 60,000 Membership Rewards points when you spend $5,000 in your first three months.

The Platinum Card is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of monthly credits.

The benefits include a $200 in yearly Uber credits and Uber VIP status as well as $200 in annual incidental airline credits for your chosen airline, $100 in annual Saks Fifth Ave credits, access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta.

NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.

Offer: 60,000 Membership Rewards points when you spend $5,000 in your first three months.
Credit card
Estimated Bonus Value :

$975

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Annual Fee: $99

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Estimated Bonus Value :

$975

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card
Estimated Bonus Value :

$875

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Annual Fee: $0

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Estimated Bonus Value :

$875

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months

The simplest of the Chase Business cards, it earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2022.

It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.

0% APR Intro Offer

Get 12 months of 0% Interest on new purchases your new card account for 12 months (Terms apply).

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$875

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Annual Fee: $550

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Estimated Bonus Value :

$875

Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months

The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.

It offers 3x Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.

New Lyft and DoorDash Benefits:

  • Earn 10X Ultimate Rewards points on Lyft rides
  • Get a one-time complimentary Lyft Pink (15% Lyft discounts, free bike/scooter rentals each month, and better cancellation rules). ($19.99 / month value)
  • Get $60 in DoorDash credits each year (2020 and 2021).
  • Get free DashPass to get free DoorDash deliveries at select restaurants with $12 or more in your order and decreased service charges.

Limited Time Chase Sapphire Reserve Bonus Categories - July 1st - September 30, 2020 Only

  • Earn 10X Ultimate Rewards points for Streaming Services
  • Earn 5X Ultimate Rewards points at Gas Stations
  • Earn 5X Ultimate Rewards points for Instacart
  • Get up to $50 in Instacart Express credits
  • Qualifying Streaming Services are listed as: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV.

 

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Reserve cardmembers can always use their points to book travel via the travel portal where they get 1.5 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.5 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months
Credit card

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$875

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Annual Fee: $0

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