Best Travel Rewards Credit Cards of June 2020

Lyle is a writer specializing in credit cards, travel rewards programs, and banking. His work has also appeared on MSN Money, USA Today, and Yahoo! Finance.

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Nothing beats traveling for free, and fortunately, the best travel rewards credit cards can help you with that. These cards offer much more than just fee-free foreign transactions. You can get big sign-up bonuses, airport lounge access, complimentary elite status with airlines and hotels, and much more. Whether you want to use travel points for a luxury vacation or you simply want to make your regular trips more affordable, there are cards to achieve any travel goals you can dream of.

COVID-19 considerations for credit cards:

With the current state of the world, there can be a lot of uncertainty surrounding your personal finances. In order to assist customers facing financial hardship, many credit card companies are offering relief and assistance. For more information on COVID-19 and resources available, please visit our coronavirus hub.

Popular pick
Chase Sapphire Preferred® Card

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On Chase's Secure Website.

Great for: Sign-up bonus and points transfers Chase Sapphire Preferred® Card

Why Apply

With a leading sign-up bonus, the sky’s the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining make it a no brainer for travel enthusiasts everywhere. The limited time offer of 3x points for groceries through June 30, 2020 rounds out the lucrative perks. Read Full Review

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On Chase's Secure Website.

Rewards

3x points for groceries through June 30 2020, 2x points on travel and dining, 1x points on all other purchases. 25% more points for travel booked through Chase's portal.

Annual Fee

$95

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

15.99% - 22.99% Variable

Bonuses & Perks

60,000 points after spending $4,000 within three months -- worth $750 of travel redeemed through Chase

Highlights
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Premium rewards
Chase Sapphire Reserve®

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On Chase's Secure Website.

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On Chase's Secure Website.

Rewards

5x points for groceries through June 30, 2020, 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point on all other purchases.

Annual Fee

$550

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

16.99% - 23.99% Variable

Bonuses & Perks

50,000 points after spending $4,000 on purchases in the first 3 months. Worth $750 redeemed for travel through Chase, up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights
  • Earn 50,000 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®
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Discover it® Miles

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On Discover's Secure Website.

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On Discover's Secure Website.

Rewards

Unlimited 1.5 Miles per $1

Annual Fee

$0

Intro APR

Purchases: 0%, 14 months
Balance Transfers: 10.99%, 14 months

Ongoing APR

11.99% - 22.99% Variable

Bonuses & Perks

Double Miles in the first year, FICO score for free

Highlights
  • 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 or to redeem as Cash! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Redeem for Travel or Cash. Easily redeem Miles as a statement credit for travel purchases or get cash.
  • 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.
Rewards

5 points per $1 on flights booked with airlines and American Express Travel, and on eligible hotels booked on amextravel.com, 1 point per $1 on all else

Annual Fee

$550

Foreign Transaction Fee

None

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

N/A

Bonuses & Perks

60,000 Membership Rewards® points after spending $5,000 in purchases in your first 3 months, Global Lounge Collection access, Uber VIP status and free U.S. rides (max $15 each month, bonus $20 in December)

Highlights
  • 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.
Rewards

Unlimited 1.5x points, 25%-75% more points for Bank of America Preferred Rewards members

Annual Fee

$0

Intro APR

Purchases: 0%, 12 billing cycles
Balance Transfers: N/A

Ongoing APR

14.99%-22.99%, variable

Bonuses & Perks

25,000 points after spending $1,000 within first 90 days, 25% to 75% more points for Preferred Rewards members

Highlights
  • 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
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Rewards

Unlimited 1.5x points, 25%-75% more points for Bank of America Preferred Rewards members

Annual Fee

$0

Intro APR

Purchases: 0%, 12 billing cycles
Balance Transfers: N/A

Ongoing APR

14.99%-22.99%, variable

Bonuses & Perks

25,000 points after spending $1,000 within first 90 days, 25% to 75% more points for Preferred Rewards members

Highlights
  • 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
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Rewards

3 points per $1 on the first $150,000 spent on travel and select business categories, 1 point per $1 on all else. Points are worth 25% more when you redeem for travel through Chase.

Annual Fee

$95

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

15.99% - 20.99% Variable

Bonuses & Perks

100,000 bonus points after spending $5,000 on purchases within 3 months. That's $1,250 towards travel booked with Chase

Highlights
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
The information related to Chase Ink Business Preferred℠ Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
Capital One® Venture® Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Capital One® VentureOne® Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Wells Fargo Propel American Express® card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

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There are many kinds of travel credit cards and rewards programs available. While it's great to have options, it can also make things a bit complicated. You might find yourself confused about how these different travel cards work or what features you need. The world of travel rewards isn't as tricky as it seems, though. Once you've checked out this crash course, you'll have all the info you need to start earning points and redeeming them for free or discounted travel.

What to look for in a travel rewards credit card

When you check out and compare credit cards, it can be hard to know which benefits are important and which ones aren't. The list of benefits for some travel cards is practically a mile long, so you'll need to know what to look for. Here are the features that make a quality travel credit card:

Competitive sign-up bonus

Sign-up bonuses are often the quickest way to earn points. The typical bonus consists of an amount, a spending requirement, and a timeframe, such as "earn 50,000 points for spending $3,000 on purchases within three months."

Although it's the bonus amount that catches the eye, you also need to verify that you can hit the spending minimum without buying things you don't need.

High rewards rate

A travel card's rewards rate is the number of points it earns on your spending. A high rewards rate is a must, because more points mean more free travel. The best travel rewards credit cards will offer either of the following:

  • Extra points in one or more bonus categories, such as 3 points per $1 on travel and dining
  • An impressive flat rate that you earn on every purchase, such as 1.5 points on every $1 you spend

Reasonable cost for its benefits

There are a huge variety of benefits that travel cards can offer, such as spending credits, free checked luggage, complimentary companion tickets, and VIP access to airport lounges. As you'd expect, cards with more benefits or higher-value benefits also tend to have more expensive annual fees.

What matters most is that you can afford the annual fee of the travel card you choose. You should also make sure that the benefits you'll get are worth any fee that a card has. Keep in mind that you can also get a card without an annual fee if you don't want to add to your bills.

How do travel credit cards work?

Travel rewards credit cards earn points when you spend money, and you can then redeem those points for travel. There are two ways you'll earn points:

  1. Get points for everyday spending

Each time you buy something using your credit card, you'll earn a certain number of points. Some travel cards earn a flat rate regardless of what the spending category is. Others earn different amounts based on the spending category of the purchase, such as travel and dining.

  1. Receive big sign-up bonuses

Most popular travel cards include a sign-up bonus that you get if you meet a spending minimum. Sign-up bonuses are a popular incentive that banks use to get new customers, and they're the fastest way you can earn points.

How do I choose a travel rewards credit card?

To compare travel rewards credit cards and choose the right one, you need to look at five factors: rewards rates, annual fees, sign-up bonuses, point redemption options, and additional travel perks.

Here's a closer look at each of these:

  • Rewards rates: Since travel points are the most valuable benefit of a travel credit card, you need to pick a card that will earn you as many points as possible. You can either choose a card that earns a high flat rate on every purchase or one with bonus categories you'll use often. For example, if you spend quite a bit on dining every month, a card that earns more at restaurants and bars could help you accumulate rewards faster.
  • Annual fees: There are travel cards at every price range, including travel cards with no annual fee, cards that cost $50 to $250 per year, and the feature-rich premium travel cards that can cost $400 or more. Keep in mind that the benefits of more expensive cards can outweigh their annual fees, so it's best to see what a card offers before ruling it out simply because of how much it costs.
  • Sign-up bonuses: Since sign-up bonuses are so common among travel cards, you should pick a card offering a competitive amount. Don't forget to check the spending minimum required to earn the bonus. You should only get a card if you can meet the minimum on its sign-up bonus without spending more than usual.
  • Point redemption options: A good travel card should have understandable point redemptions where you can get at least $0.01 per point in value. If you're getting your first travel rewards card, we recommend a card with transferable points that you can also redeem as cash for travel purchases, as that versatility will give you more redemption options.
  • Travel perks: Most travel cards include additional benefits, such as airport lounge access, free checked bags, or a free night on select hotel stays.

The best approach is to first decide which of these factors are your priorities. Maybe you want the card that earns the most points. Or, if you're trying to keep costs down, you might only want a card with a low annual fee.

You can then narrow down your list based on which cards fit the bill and decide among the remaining options.

How to make the most of your travel rewards card

The value you get from your travel card depends entirely on how you use it. Once you've gotten your card in the mail, a few simple tips will ensure you maximize your credit card rewards.

Use it for every purchase

Whenever you can pay by credit card, you should use your travel card so that you earn points on the purchase. If you opt for your debit card or cash, you're leaving potential rewards on the table.

Always pay the bill in full

Here's a mistake far too many consumers make -- getting a travel credit card, and then carrying a balance on it. The travel points you earn will never be worth more than the interest you pay on credit card debt. The only way to come out ahead with a travel card is by paying the entire statement balance every month. That means you won't be charged any interest.

Don't miss out on the sign-up bonus

Check how much you need to spend to earn your card's sign-up bonus and keep track of your progress until you hit that minimum. If necessary, you can ask your card issuer how close you are, either by calling the number on the back of your card or sending a message through your online account.

Redeem your points for travel

This may seem obvious, but you should only use your credit card miles and points for travel. Some cards offer other redemption options, such as using your points to purchase products or for cash back. These types of redemptions will get you far less value for your points.

Familiarize yourself with your card's benefits

There are plenty of ways your credit card could save you money or make your travels more comfortable. Airline credit cards may include free checked bags or access to the airline's lounges. Hotel credit cards could entitle you to an early check-in or late checkout. Make sure you know about everything your card offers so that you can take full advantage of all the perks.

Is a travel rewards card right for me?

A travel card is perfect for those who travel regularly. As a general rule, you can probably make good use of a travel card if you go on at least two to three trips per year. Here are a few of the most common situations when a travel card is the right choice:

  • You want to save money on airfare or hotel stays. Travel rewards can often get you much better deals on these types of bookings.
  • You travel for business. The benefits that travel cards offer can make your business trips much more pleasant and productive.
  • You have one airline or hotel chain that you use most. When you're loyal to one brand, getting its credit card could entitle you to extra perks.
  • You prefer a luxury travel experience. It's much more cost-effective to book expensive travel, such as business-class airfare, using points instead of cash.

If you're a consumer who only travels here and there, you'd be better checking out cash back credit cards.

Keep in mind that you also need a good credit score, generally considered to be a 670 or higher under the FICO system, to qualify for the travel cards that offer the most value. If you're not quite there yet, then it's better to improve your credit first and get a travel card later.

FAQs

  • Travel rewards credit cards are better for people who either travel regularly or want to be able to travel more or save money on travel by redeeming rewards for flights, hotels, cruises, activities, and more.

    Cash back credit cards are better for people who aren't interested in traveling or prefer to earn rewards they can spend on a wide range of purchases.

    In general, the best travel credit cards tend to offer slightly more valuable rewards than the best cash back credit cards, but travel rewards are more limited when it comes to redemption. Travel rewards can also be harder to earn for some people, as travel rewards credit cards usually offer bonuses on travel spending and sometimes dining.

    If you don't spend in those categories, a cash back credit card might be the best option, as those can offer bonuses on a wider variety of spending categories, including gas, supermarkets, and office supplies.

  • It's hard to qualify for a travel credit card with no credit as the best travel credit cards usually require a credit score of 670 or higher. If you want a travel credit card and have no credit, it's best to get a secured credit card to build up a history of on-time payments before applying for a travel rewards credit card.

    You may also be able to qualify for a cash back credit card with no credit, as there are several rewards credit cards offering cash back that are geared toward students and consumers with no credit.

  • Redeeming your travel rewards depends on the card company and the type of card you have.

    Here are the ways that you can cash in your rewards:

    Fixed-rate redemptions

    You get a set value for your points and can apply them towards any travel purchase. If you have a card that gets you $0.01 per point on travel redemptions, then 30,000 points could pay for $300 in travel expenses. These redemptions are fast and easy, and you can always count on getting a consistent value for your points.

    Booking award airline tickets and hotel stays with points

    You book airfare or a hotel stay and pay the points price instead of the cash price. In some cases, points prices can offer a much better value than cash prices, like when a $1,000 business-class ticket only costs 30,000 points, getting you well over $0.03 per point.

    You can book travel with points when you have a credit card with a specific airline or hotel. These are also an option when you have a card that lets you transfer your points to multiple airline and hotel transfer partners.

    Both

    It's getting more common for banks to offer points you can either redeem at a fixed rate or transfer to travel partners for award bookings. In fact, American Express, Capital One, Chase, and Citi all offer travel cards that include both redemption options.

    Having multiple ways to redeem your points can help you book the travel you want and get the most value in the process, so several of our top travel cards are the ones that offer this.

  • Travel rewards cards are worth the annual fee for consumers who use their cards often and take full advantage of the benefits those cards offer.

    As a general rule, the more that you spend using a travel card, the more valuable it will be. If a card has a $95 annual fee, but you earn 50,000 points per year from it that you redeem for $500 in travel, then you're getting $405 in annual value from the card. That value will be even greater if the card has extra travel perks, such as spending credits, that you're able to use.

    You can determine whether a travel credit card will be worth the annual fee by asking yourself the following:

    • How much do you expect to spend per year using the card, and how many travel points will you earn?
    • What other benefits does the card offer, and how much do you value them?

    By comparing your answers with the card's annual fee, you'll be able to decide if you should apply.

The Ascent's picks for the best travel rewards credit cards:
Card Rating Great For
Chase Sapphire Preferred® Card Graphic of Chase Sapphire Preferred® Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Sign-up bonus and points transfers

Chase Sapphire Reserve® Graphic of Chase Sapphire Reserve®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Premium travel

Discover it® Miles Graphic of Discover it® Miles
Rating image, 3.5 out of 5 stars.
3.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee and bonus

The Platinum Card® from American Express Graphic of The Platinum Card® from American Express
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Airport lounges

Bank of America® Travel Rewards credit card Graphic of Bank of America® Travel Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee

Bank of America® Travel Rewards credit card Graphic of Bank of America® Travel Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee

Chase Ink Business Preferred℠ Credit Card Graphic of Chase Ink Business Preferred℠ Credit Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Business travel

Capital One® Venture® Rewards Credit Card Capital One® Venture® Rewards Credit Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Sign-up bonus

Capital One® VentureOne® Rewards Credit Card Capital One® VentureOne® Rewards Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee

Wells Fargo Propel American Express® card Wells Fargo Propel American Express® card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee

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