Travel reward credit cards represent a broad category of rewards cards. They encompasses everything from airline miles cards to more generic rewards cards. Some cards offer miles, others use points. As a result, picking the best travel rewards card can be a challenge. Here are our top picks for 2020.
To narrow down the list, I divide travel cards into four categories:
1 All-purpose travel cards: These cards aren’t part of an airline or hotel brand. Instead they offer miles or points that can be used with any travel. As you’ll see below the top cards in this category offer at least 2% in rewards. The “catch,” if you will, is that these rewards must be used for travel.
2 Airline miles cards: Offered from every major airlines, these cards can offer the highest value in rewards. The key is to understand your travel patterns. These cards are ideal for those who fly frequently with the same airline.
3 Hotel rewards cards: As with airline miles, these cards can offer good rewards for those who stay with the same hotel brand.
4 Specialty cards: Finally, there are some travel cards that don’t fit neatly into the above categories. An Expedia credit card is a good example, and I’ve placed these types of cards in their own category.
For each of these categories, I’ll share my top choice, followed by several excellent options.
All-Purpose Travel Rewards Cards
Editor’s Pick: The Chase Sapphire Preferred Card earns top honors for an all-purpose travel rewards card. Its 2x points for every $1 spent on travel and dining and 60,000 bonus points when you spend $4,000 on purchases in the first 3 months lead the pack in the travel category.
Chase Sapphire Preferred Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. These points are worth $750 in travel when you redeem through Chase Ultimate Rewards.
- 2X points on travel and dining at restaurants
- 1 point per dollar spent on all other purchases
- $0 foreign transaction fees
- 1:1 point transfer to leading frequent travel programs at full value
- $ Annual Fee
Click here to learn more about the Chase Sapphire Preferred Card and similar credit cards.
American Express Gold Card
- Welcome Offer: Earn 35,000 Membership Rewards Points after you use your new Card to make $4,000 in purchases within the first 3 months.
- Earn 4X Membership Rewards points at restaurants worldwide and 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.
- 1X points on other purchases.
- No Foreign Transaction Fees, making this an excellent card for international travel.
- $100 airline fee credit and up to $100 per calendar year for baggage fees and more at one qualifying airline.
- Annual Fee $250.
- Terms Apply.
Capital One® Venture® Rewards Credit Card
- One-time Bonus: Earn 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.
- Earn 10X miles on thousands of hotels; learn more at hotels.com/venture, through January 2020
- Receive up to $100 application fee credit for Global Entry or TSA Pre?®
- Miles aren’t specific to any airline or hotel, so they can be used antwhere
- Travel when you want with no blackout dates
- Miles won’t expire for the life of the account
- No foreign transaction fees
- $0 intro annual fee for the first year; $95 after that
The Platinum Card® from American Express
- 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.
- Uber Bonus: Up to $200 for Uber rides annually.
- 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards points on eligible hotels booked on amextravel.com.
- 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.
- $550 annual fee.
- Terms Apply
Airline Miles Cards
Editor’s Pick: My favorite airline card is the Southwest Rapid Rewards® Premier Credit Card. It gets my vote for two reasons. It offers an excellent signup bonus of up to 40,000 points. And it’s a great airline to fly.
Southwest Rapid Rewards® Premier Credit Card
- Earn 40,000 points after spending $1,000 within the first 3 months.
- 6,000 bonus points after you’ve had the card for one year
- 2 points per $1 spent on Southwest purchases and Rapid Rewards Hotel and Car Rental Partner purchases
- 1 point per $1 spent on all other purchases
- Earn unlimited points
- No foreign transaction fees
- No blackout dates or seat restrictions
- Bags fly free
Click here to learn more about the Southwest Rapid Rewards® Premier Credit Card and similar credit cards.
Blue Delta SkyMiles® Credit Card from American Express
- Welcome Offer: Earn 15,000 bonus miles after spending $1,000 in purchases on your new Card in your first 3 months. Offer expires 4/1/2020.
- 2 Miles Rewards: Earn 2 miles per dollar at restaurants worldwide and on purchases made directly with Delta.
- 1 Mile Rewards: Earn 1 mile on every eligible dollar spent on purchases.
- Receive a 20% In-Flight 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.
- No foreign transaction fees
- No Annual Fee.
- Terms Apply
Gold Delta SkyMiles® Credit Card from American Express
- Welcome Bonus #1: Earn 60,000 Bonus Miles after you make $2,000 in purchases on your new card within your first 3 months.
- Welcome Bonus #2: Earn another 10,000 bonus miles after your first year of card membership. Offer Expires 4/1/2020.
- Earn a $100 Delta Flight Credit after you spend $10,000 in purchases on the card in a calendar year.
- Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
- Earn 1 mile for every eligible dollar spent on purchases.
- Check your first bag free on Delta flights
- Priority Boarding.
- $0 introductory annual fee for the first year, then $99.
- Terms Apply
British Airways Visa Signature
- Welcome Offer: Earn 50,000 bonus Avios after spending $3,000 within the first 3 months.
- Welcome Offer #2: Earn an additional 50,000 bonus Avios after spending $20,000 within your first year of account opening.
- Each year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Earn 1 Avios for every $1 spent on all other purchases.
- Pay no foreign transaction fees when you travel abroad.
Click here to learn more about the British Airways Visa Signature and similar credit cards.
Hotel Rewards Cards
Editor’s Pick: The top pick goes to the Marriott Rewards Premier Credit Card. It offers excellent value in terms of redemptions, and you can earn free night stays very quickly.
Marriott Bonvoy Business American Express Card
- Limited Time Offer: Earn 75,000 bonus Marriott Bonvoy points after spending $3,000 within the first 3 months
- Earn 6x points at participating Marriott Bonvoy hotels
- Earn 4x points at U.S. restaurants, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. service providers
- Earn 2x points on all other eligible purchases
- Receive 1 Free Night Award each year after your Card account anniversary you can use at a participating hotel.
- Enjoy complimentary Marriott Bonvoy Silver Elite status.
- Earn Gold Elite status after spending $35,000 on eligible purchases on your card in a calendar year.
- Annual fee is $125
Hilton Honors American Express Surpass Card
- Welcome Offer: Earn 125,000 Hilton Honors bonus points after spending $2,000 within your first 3 months.
- 12X Bonus: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a participating hotel or resort within the Hilton Portfolio.
- 6X Bonus: Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- 3X Bonus: Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Terms Apply
Hilton Honors American Express Card
- Welcome Offer: Earn 75,000 Hilton Honors bonus points after spending $1,000 within your first 3 months.
- Earn 7X Hilton Honors Bonus Points for every dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
- Earn 5X Hilton Honors Bonus Points for every dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
- No Foreign Transaction Fees.
- Enjoy complimentary Hilton Honors Silver status with your Card.
- No Annual Fee.
- Terms Apply.
Marriott Bonvoy Boundless Credit Card
- Bonus: Earn 75,000 bonus points after spending $3,000 on purchases within the first 3
- Earn a free night award (worth up to 35,000 points) every year after your account anniversary
- Earn 6X points at participating Marriott Bonvoy hotels
- Earn 2X Bonvoy points on all other purchasers
- Earn Silver Elite Status each account anniversary, path to Gold Status after users spend $35,000 each year
- Receive 15 Elite Night Credits granted each calendar year.
- Unlimited Marriott Bonvoy Points
- $95 Annual Fee
Click here to learn more about the Marriott Bonvoy Boundless Credit Card and similar credit cards.
Marriott Bonvoy Bold Credit Card
- Welcome Bonus: You’ll get 30,000 bonus points if you spend $1,000 on purchases with the card in the first 3 months.
- 3x Rewards: Earn 3x Bonvoy points on every $1 you spend at Marriott Bonvoy hotels
- 2x Rewards: Earn 2x Bonvoy points on every $1 you spend on travel purchases
- 1x Rewards: Earn 1x Bonvoy points on all other purchases
- You also get 15 Elite Night Credits every calendar year
- No foreign transaction fees
- No annual fee
Click here to learn more about the Marriott Bonvoy Bold Credit Card and similar credit cards.
