Best travel credit cards of 2022

Best travel credit cards of 2022

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Travel recognition cards are a large mode to gain rewards which tin past beryllium utilized to money your travels. They tin besides supply other extortion to marque definite you get wherever you're going safely, and tin assistance consumers prevention clip and money.

Here you'll find the 5 champion question cards to instrumentality connected the road, and immoderate tips connected however champion to usage them.

The Platinum Card from American Express

Best wide question card

Intro BonusEarn 100,000 Membership Rewards® points aft you walk $6,000 connected purchases connected your caller Card successful your archetypal 6 months of Card Membership.

APRSee Pay Over Time APR

Recommended CreditExcellent/Good

Reward Rates

  • Earn 5X Membership Rewards® Points for flights booked straight with airlines oregon with American Express Travel up to $500,000 connected these purchases per calendar year.
  • Earn 5X Membership Rewards® Points connected prepaid hotels booked with American Express Travel.

Annual Fee$695

Intro Purchase APRN/A

Rewards & Redemption Details

  • Earn 5X Membership Rewards® Points for flights booked straight with airlines oregon with American Express Travel up to $500,000 connected these purchases per calendar year.
  • Earn 5X Membership Rewards® Points connected prepaid hotels booked with American Express Travel.

The Platinum Card from American Express is simply a fashionable prime for avid travelers. It has a precocious terms tag -- $695 -- but it comes with an extended benefits bundle that includes galore yearly credits that assistance soften the stroke of its yearly fee. Because of that precocious fee, however, this paper should lone beryllium considered by consumers who question capable to instrumentality afloat vantage of everything this paper has to offer.

In summation to its question credits, it besides offers a wide assortment of question protections to guarantee that you, your family, and your luggage marque it safely to your destination. It besides provides Global Lounge membership, which gives cardholders entree to the largest enactment of airdrome lounges of immoderate recognition card.

Here are a fewer of the galore credits and protections the paper offers:

  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Baggage Insurance Plan
  • Trip Delay Insurance
  • $200 edifice credit
  • $200 incidental hose interest credit
  • $189 CLEAR credit
  • $240 integer amusement credit
  • $155 Walmart+ credit
  • Global Entry ($100)/TSA PreCheck ($85) exertion interest credit

And portion the benefits are the existent gully to the card, its rewards are thing to sneeze astatine either.

Pros

  • Annual question credits
  • Travel insurance
  • Airport lounge access
  • Global Entry/TSA PreCheck exertion interest credit
  • Good rewards
  • No overseas transaction fee
  • Metal

Cons

  • High yearly interest of $695
  • Not for the mean traveler

The Chase Sapphire Preferred

Best for wide travel

Intro BonusEarn 60,000 bonus points aft you walk $4,000 connected purchases successful the archetypal 3 months from relationship opening. That's $750 erstwhile you redeem done Chase Ultimate Rewards®.

APR16.74% - 23.74% Variable

Recommended CreditExcellent/Good

Reward Rates

  • 5x connected question purchased done Chase Ultimate Rewards®
  • 3x connected dining.
  • 2x connected each different question purchases, positive more.

Annual Fee$95

Intro Purchase APRN/A

Balance Transfer FeeEither $5 oregon 5% of the magnitude of each transfer, whichever is greater.

Balance Transfer APR16.74% - 23.74% Variable

Late Payment FeeUp to $40

Foreign Transaction Fees$0

Penalty APRUp to 29.99%

Rewards & Redemption Details

  • 5x connected question purchased done Chase Ultimate Rewards®
  • 3x connected dining.
  • 2x connected each different question purchases, positive more.

The Chase Sapphire Preferred is simply a large paper to take for the mean traveler. It's rewarding and features lucrative and flexible redemption options, including a 1:1 constituent transportation complaint to Chase's fashionable question partners, not to notation its precocious invited bonus for caller cardholders to instrumentality vantage of.

Its rewards programme covers plentifulness of ground, truthful it's casual to rake successful the points. You tin past either redeem points for question done Chase Ultimate Rewards for a 25% constituent redemption bonus oregon transportation them to 1 of Chase's question partners wherever you could get an adjacent amended worth for them. There are besides modular redemption options disposable too, but they won't beryllium arsenic lucrative.

If you tin find the close transportation woody to Chase's hose oregon edifice partners, points could beryllium worthy 1.5 cents oregon more. At that per-point value, the card's currency backmost equivalent for question booked done Chase Ultimate Rewards (5x points per dollar) would beryllium 7.5%.

Chase's question partners see JetBlue, United, Southwest, World of Hyatt, and Marriott Bonvoy, among others. In summation to its beardown rewards and redemption options, the paper includes a bully enactment of question protections. Cardholders volition nary uncertainty find sizeable worth for its $95 yearly fee.

Pros

  • 1:1 transportation rate
  • 25% constituent redemption bonus erstwhile redeeming for question done Chase Ultimate Rewards
  • 5x points per dollar for question booked done Chase
  • 3x points for streaming and dining
  • 2x points for each different travel
  • No overseas transaction fee

Cons

  • Annual fee
  • Takes other enactment to get the champion value

The Capital One VentureOne Rewards Credit Card

Best nary yearly interest question card

Intro BonusEarn a bonus of 20,000 miles erstwhile you walk $500 connected purchases wrong 3 months from relationship opening, adjacent to $200 successful travel

APR15.24% - 25.24% (Variable)

Recommended CreditExcellent, Good

Reward Rates

  • Earn 5X miles connected hotels and rental cars booked done Capital One Travel, wherever you'll get Capital One's champion prices connected thousands of travel options
  • Earn unlimited 1.25X miles connected each purchase, each day.

Annual Fee$0

Intro Purchase APR0% intro connected purchases for 15 months

Intro Balance Transfer APR0% intro connected equilibrium transfers for 15 months

Balance Transfer Fee3%

Balance Transfer APR15.24% - 25.24% (Variable)

Late Payment FeeUp to $40

Foreign Transaction FeesNone

Penalty APRNone

Rewards & Redemption Details

  • Earn 5X miles connected hotels and rental cars booked done Capital One Travel, wherever you'll get Capital One's champion prices connected thousands of travel options
  • Earn unlimited 1.25X miles connected each purchase, each day.

The VentureOne offers cardholders sizeable worth astatine small outgo to their slope account. Use it for each acquisition to rake successful the miles. Try to publication astatine slightest 1 facet of question (such arsenic hotel, rental car, and airfare) done Capital One Travel to gain 5x miles per dollar. Miles tin past beryllium transferred to Capital One's question partners oregon redeemed for caller question purchases, acquisition cards, oregon connection credits.

Capital One, however, doesn't connection precise galore home hose partners, and the transportation rates alteration depending connected the partner. So, unless you're readying to alert internationally, the champion usage for your miles volition beryllium to redeem for question purchases made wrong 90 days. 

Redeeming for past question expenses volition guarantee a per-mile worth of 1 cent. That said, there's nary overseas transaction interest to interest about, truthful if you bash program to question internationally, you won't incur immoderate further fees for utilizing the paper overseas.

The paper besides provides an awesome postulation of benefits for a nary yearly interest card, including question mishap and rental car insurance. It adjacent has an intro 0% APR for purchases for 15 months (then 5.24%, 21.24%, oregon 25.24%) and an easy-to-reach invited bonus.

Pros

  • No yearly fee
  • 1.25x miles per dollar for everything
  • Intro APR connection for caller purchases
  • Travel Accident Insurance/rental car insurance
  • No overseas transaction fee

Cons

  • Few US hose partners
  • Requires fantabulous credit

The Citi / AAdvantage Platinum Select World Elite Mastercard

Best hose recognition card

Intro BonusEarn 50,000 American Airlines AAdvantage® bonus miles aft $2,500 successful purchases wrong the archetypal 3 months of relationship opening

APR16.74% - 25.74% (Variable)

Recommended CreditExcellent, Good

Reward Rates

  • Earn 2 AAdvantage® miles for each $1 spent astatine state stations and restaurants.
  • Earn 2 AAdvantage® miles for each $1 spent connected eligible American Airlines purchases.

Annual Fee$99, waived for archetypal 12 months

Intro Purchase APRN/A

Balance Transfer FeeBalance transportation interest applies with this connection 5% of each equilibrium transfer; $5 minimum.

Balance Transfer APR16.74% - 25.74% (Variable)

Late Payment FeeUp to $40

Foreign Transaction Fees0%

Penalty APRUp to 29.99% (Variable)

Rewards & Redemption Details

  • Earn 2 AAdvantage® miles for each $1 spent astatine state stations and restaurants.
  • Earn 2 AAdvantage® miles for each $1 spent connected eligible American Airlines purchases.

The Citi/AAdvantage Platinum Select is simply a bully enactment for travelers who similar flying with American Airlines. It features immoderate time-and-money redeeming perks including precedence boarding and your archetypal checked bag, escaped of charge. It carries an yearly interest of $99, but it's waived for the archetypal year.

If that yearly interest feels high, determination is simply a lucrative invited bonus for prospective cardholders to obtain. If you person immoderate trips planned, usage the paper to money it to get a caput commencement toward the spending requirement.

However, if American Airlines isn't your go-to airline, instrumentality a look astatine our 6 champion hose recognition cards to find the 1 that works champion for you.

Pros

  • Priority Boarding
  • Free checked bag
  • 25% in-flight acquisition discount
  • No overseas transaction fee

Cons

  • Annual fee
  • No question protections

The American Express Gold Card

Best for eating out

Intro BonusEarn 60,000 Membership Rewards® Points aft you walk $4,000 connected eligible purchases with your caller Card wrong the archetypal 6 months of Card Membership.

APR17.49%-24.49% Variable

Recommended CreditExcellent/Good

Reward Rates

  • Earn 4X Membership Rewards® Points astatine Restaurants, positive takeout and transportation successful the U.S.
  • Earn 4X Membership Rewards® Points astatine U.S. supermarkets (on up to $25,000 per calendar twelvemonth successful purchases, past 1X).
  • Earn 3X Membership Rewards® points connected flights booked straight with airlines oregon connected amextravel.com.

Annual Fee$250

Intro Purchase APRN/A

Rewards & Redemption Details

  • Earn 4X Membership Rewards® Points astatine Restaurants, positive takeout and transportation successful the U.S.
  • Earn 4X Membership Rewards® Points astatine U.S. supermarkets (on up to $25,000 per calendar twelvemonth successful purchases, past 1X).
  • Earn 3X Membership Rewards® points connected flights booked straight with airlines oregon connected amextravel.com.

As astir travelers know, a large facet of question is figuring retired what kinds of nutrient you privation to bask portion distant from home. The American Express Gold Card is the cleanable eating companion. It's a rewarding enactment that offers a bully enactment of perks for cardholders.

Not lone does it gain 4x points per dollar for eating and astatine US supermarkets, but it besides comes equipped with a $120 eating credit, divided into $10 per period implicit a year. There's besides a $120 Uber Cash recognition for cardholders to instrumentality vantage of. Considering it has an yearly interest of $250, utilizing some credits afloat would efficaciously driblet it to lone $10 a year.

In summation to its credits, it comes with a fewer -- albeit sparse -- awesome question protections including a Baggage Insurance Plan and rental car insurance. And for consumers who similar to marque a statement, the Amex Gold Card is metallic and comes successful their prime of either Gold oregon Rose Gold.

Pros

  • 4x points per dollar for dining
  • $120 eating credit
  • $120 Uber Cash credit
  • Rental car insurance/Baggage Insurance Plan
  • No overseas transaction fee
  • Metal card

Cons

  • High yearly interest of $250
  • Spare question protections considering the fee
  • Rental car security is secondary coverage

What is the champion recognition paper for travel?

The champion question paper wide is The Platinum Card from American Express. It offers a ton for avid travelers, successful some rewards and benefits. It has 1 of the highest yearly fees successful the recognition paper world, however, truthful it should lone beryllium considered by travelers who are capable to instrumentality afloat vantage of its galore question credits. 

While it whitethorn not beryllium a realistic enactment for immoderate travelers, it's hard not to spot its appeal. With the widest airdrome lounge entree of immoderate recognition card, galore question credits that efficaciously little its yearly interest to a overmuch much manageable rate, and bully rewards coupled with a lucrative invited bonus, there's a ton of worth to beryllium had by consumers who tin spend it.

However, for the mean traveler, the champion enactment is the Chase Sapphire Preferred. It covers plentifulness of crushed with its rewards and offers flexible and worthwhile redemption options. And though cardholders volition request to utilize constituent transfers to get the champion value, it's worthy the other work. Not to notation Chase's question partners see fashionable airlines specified as United and JetBlue, positive well-known edifice brands including Marriott Bonvoy, World of Hyatt, and IHG.

Card Name

Best For / Annual Fee

Perks

Platinum Card from Amex

Overall question / $695

  • $200 edifice credit
  • $200 incidental hose interest credit
  • $189 CLEAR credit, among others
  • The Global Lounge Collection
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Baggage Insurance
  • Trip Delay Insurance

Chase Sapphire Preferred

General question / $95

  • 1:1 constituent transportation rate
  • 25% constituent bonus for redeeming question done Chase Ultimate Rewards
  • $50 yearly Chase Ultimate Rewards edifice credit
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Rental car insurance
  • Trip Delay Reimbursement, among others

Citi/AAdvantage Platinum Select

Airline paper / $99

  • Priority Boarding
  • First checked container is free
  • 25% in-flight discount

Capital One VentureOne

No yearly fee

  • Travel Accident Insurance
  • Rental car insurance
  • 0% intro APR for purchases

Amex Gold Card

Dining retired / $250

  • $120 eating credit
  • $120 Uber Cash credit
  • Baggage Insurance Plan
  • Rental car insurance
  • Metal card

Which recognition paper is champion for you?

All of the cards compiled present connection a bully worth for the traveling consumer. Choose the paper that champion fits your question habits.

Choose this card…

If you are…

The Platinum Card

An avid traveler looking for premium benefits.

Chase Sapphire Preferred

Someone who travels a fewer times per twelvemonth and tin usage constituent transfers to get the champion value.

VentureOne Rewards card

An occasional traveler looking for a simple, inexpensive yet rewarding question card.

Citi/AAdvantage Platinum card

An occasional traveler who prefers to alert with American Airlines.

Amex Gold Card

A comparatively predominant traveler who loves to devour retired portion distant from home.

How did we take these cards?

The cards present were compared with others successful the question abstraction and stood retired owed to their terms, rewards, benefits, and redemption options. The cards present are up of the curve erstwhile it comes to offering travelers a bully worth for their money. 

They diagnostic utile question perks and protections, airdrome lounge access, and immoderate of them see a fig of question credits to little the outgo of trips. They correspond the champion options for travelers successful presumption of redeeming clip and money, and getting consumers to their destinations safely.

Can I usage these cards if I'm traveling internationally?

Yes. None of the cards listed present person a overseas transaction fee, which means you tin swipe without fearfulness of incurring further fees portion retired of the country.

Which paper has the highest invited bonus?

The Platinum Card from American Express has the highest invited bonus. It offers caller cardholders 100,000 miles for spending $6,000 successful the archetypal 3 months with the card. 

However, the VentureOne Rewards paper features the easiest-to-reach invited bonus. New cardholders tin gain 20,000 bonus miles aft spending $500 wrong the archetypal 3 months. Also, support successful caput invited bonuses are taxable to change.

Which paper offers the champion question perks and protections?

The Platinum Card from American Express features 1 of the astir extended benefits packages of immoderate card. It has galore question credits arsenic good arsenic plentifulness of question protections to springiness consumers added information erstwhile traveling. However, with its precocious yearly fee, it's apt not a feasible enactment for immoderate consumers.

Next successful enactment for question protections is the Chase Sapphire Preferred. It offers cardholders Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, rental car insurance, and Trip Delay Reimbursement, among others.

The VentureOne Rewards card, contempt not asking for an yearly fee, comes with Travel Accident Insurance and rental car insurance, portion the American Express Gold Card features a Baggage Insurance Plan and rental car insurance.

Unfortunately, Citi removed galore of its card protections, truthful the Citi/AAdvantage Platinum paper comes successful astatine the bottommost of the battalion successful presumption of further question perks.

Are determination immoderate alternate recognition cards worthy considering?

If nary of the question cards listed supra entreaty to you, determination are a fistful of different cards you mightiness consider:

  • Capital One Venture X: Capital One's premium question card. It has an yearly interest of $395, but offers a tenable alternate to The Platinum Card. While not arsenic extensive, it inactive features a coagulated benefits bundle including an yearly $300 question credit. And, Capital One precocious expanded cardholder's airdrome lounge access.
  • US Bank Altitude Connect: This paper earns crossed a fig of question categories, including gas, dining, and wide question purchases. It besides features an exertion interest recognition for Global Entry oregon TSA PreCheck, and comes with immoderate prime Visa Signature protections. It has an yearly interest of $95 that's waived for the archetypal year, and offers a lucrative invited bonus.
  • Discover it Miles: A simple, inexpensive card. Use it for each acquisition to gain 1.5x miles per dollar. It doesn't person an yearly interest nor does it person question perks and protections, but Discover volition treble the fig of miles you gain for your archetypal year.
  • Bank of America Travel Rewards Card: Earn 1.5x miles per dollar for everything you buy, for nary yearly fee. It features an intro 0% APR for purchases for 15 months (then 14.74% -- 24.74% variable), and not overmuch else. But if you're looking for an uncomplicated question card, look nary further.

Or, instrumentality a look astatine our travel-related champion lists to spot however immoderate of the champion question cards stack up against each other: