Millions of Americans travel every year to take in the sights, explore new parts of the world, or just enjoy some R&R. If you’re one of those lucky people that often find themselves on vacation, then you deserve to make your time abroad worthwhile by earning rewards for all your hard work. There’s no better way to do this than with a travel credit card. In this article, I’ll tell you what factors to look for when choosing one, and then give you the lowdown on ten of the best credit cards currently available in the United States.
What Factors to Look for When Choosing a Travel Rewards Credit Card?
When it comes to finding the best travel rewards credit card, it can be tricky. With so many different cards out there, each offering different perks and benefits, it can be hard to know which one is right for you.
The first thing you need to consider when choosing a travel rewards credit card is what type of traveler you are. Do you only travel occasionally or do you travel frequently? If you only travel occasionally, then a card with no annual fee might be the best option for you. However, if you travel frequently, then a card with an annual fee might be a better choice since it will offer more perks and benefits.
Another thing to consider is how much you spend on your travels. If you only spend a few hundred dollars on your travels each year, then a basic travel rewards credit card might be all you need. However, if you spend several thousand dollars on your travels each year, then a premium travel rewards credit card might be a better option since it will offer more points or miles per dollar spent.
Once you’ve considered these things, take a look at my list of the best travel rewards credit cards in the United States and see which one is right for you!
The 10 Best Travel Rewards Credit Cards in the U.S.
- Bank of America Travel Rewards Credit Card
- Citi Premier Travel Rewards Credit Card
- Getaway by FNBO Credit Card
- Key2More Travel Rewards Credit Card
- Truist Enjoy Travel Credit Card
- PNC Premier Traveler Visa Signature Credit Card
- Delta SkyMiles Platinum American Express Credit Card
- Discover Travel Rewards Credit Card
- Chase Sapphire Reserve Visa Credit Card
- Capital One Venture Miles Rewards Credit Card
1. Bank of America Travel Rewards Credit Card
Bank of America offers a great travel rewards Visa credit card for those looking to earn points on their everyday spending. With this card, you’ll earn 1.5 points per $1 spent on all other purchases. There is no annual or foreign transaction fee for this card, making it a great option for those who want to earn rewards without having to pay an annual fee. In addition, you’ll receive 25,000 online bonus points if you make at least $1,000 in purchases in the first three months of your account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases
2. Citi Premier Travel Rewards Credit Card
- Annual Fee: $95
- No Foreign Transaction Fees
- Purchase Rate: 18.99% to 26.99%
The Citi Premier Travel Rewards Credit Mastercard rewards you with ThankYou Points for dining at your favorite restaurant while traveling to your next destination. With this card, you’ll earn three points per dollar spent on travel and dining, and two points per dollar spent on all other purchases. You can redeem your ThankYou Points for cash back, travel expenses, or gift cards, and there are no blackout dates or restrictions on redemption. In addition, you can redeem 80,000 ThankYou Points for $800 in gift cards.
3. Getaway by FNBO Credit Card
- No Rewards expiration
- No Foreign Transaction Fee
- No Annual Fee
FNBO, the third largest privately held bank subsidiary in the United States offers a travel rewards credit card as your ticket to go anywhere you want, whenever you want. The card offers a variety of benefits including unlimited three points per $1 spent on travel, dining and gas and 1 point per dollar you spend on all other purchases. There is no annual fee and the interest rate is competitive. In addition, This card also offers a variety of travel perks such as free checked baggage, priority boarding, and travel insurance. For fraud protection, FNBO promises to scan your transactions proactively and continuously, flagging any suspicious activity.
4. Key2More Travel Rewards Credit Card
If you’re a frequent US traveler, the Key2More Rewards Credit Card is a great way to earn rewards. With this card, you can earn 5 points for every $1 spent on eligible credit card purchases. In addition, you will earn a 25% monthly points bonus after spending $1,000 – $1,999 per calendar month. For instance, if you spend $1,500, KeyBank will reward you with an additional 1,875 points for a total of 9,375 points. Plus, there’s no annual fee and your points never expire. Your points are redeemable for travel, shopping, event tickets, gift cards, cash back and more. Some of the exclusive Key2More Rewards Credit Mastercard benefits include:
- Peace of Mind
- Identity Theft Protection
- Zero Liability Protection
5. Truist Enjoy Travel Credit Card
Truist Bank, formerly BB&T and SunTrust Banks, offers the Enjoy Travel Credit Card to its customers in the United States. If you’re looking for a travel rewards credit card that will give you the most bang for your buck, look no further than the Truist Enjoy Travel Credit Card. This card offers a generous rewards program that allows you to earn points on every purchase, which can be redeemed for free travel. There is no Annual Fee on this card and you’ll enjoy more benefits including contactless payments and mobile wallets for faster checkout.
6. PNC Premier Traveler Visa Signature Credit Card
The PNC Premier Traveler Visa Signature Credit Card offers a great earning rate on travel and dining expenses, as well as a solid array of valuable perks and benefits. With no foreign transaction fees on purchases made abroad and a reasonable annual fee, it’s a great option for those who frequently travel abroad. Moreover, you’ll earn two miles for every $1 spent on purchases. Interestingly, there is virtually no limit to the number of miles you can earn. Furthermore, you’ll enjoy an introductory $0 annual fee for the first year, and then $85 after that.
7. Delta SkyMiles Platinum American Express Credit Card
If you’re a frequent traveler, the Delta SkyMiles Platinum American Express Card is worth considering. You’ll earn 3x miles on Delta purchases, 3x miles on purchases made directly with hotels, 2x miles on dining at restaurants, 2x miles on groceries at U.S. supermarkets, and 1x miles on other purchases. However, There’s a $250 annual fee for this card.
8. Discover Travel Rewards Credit Card
The Discover Travel Rewards Credit Card offers 1.5x miles on a dollar spent on any purchase. Your miles are redeemable for cash, or as a statement credit towards a travel purchase. In addition, there’s no limit to how many Miles you can earn with this card.
Automatically, Discover will match all the Miles you earn at the end of your first year. For example, earning 35,000 Miles at the end of your first year becomes 70,000 Miles, which is $700 all for you. Moreover, there is no minimum spending requirement on your new card and no annual fee.
9. Chase Sapphire Reserve Visa Credit Card
The Chase Sapphire Reserve Credit Card offers some exceptional travel rewards and benefits including 5x total points on flights and 10x total points on hotels and car rentals. You’ll enjoy all these rewards and benefits when you purchase travel through Chase Ultimate Rewards and after you spend your first $300 on travel purchases annually. Your points are redeemable for cash back, gift cards, or travel through the Chase Ultimate Rewards program. However, the card comes with a $550 annual fee.
10. Capital One Venture Miles Rewards Credit Card
With an annual fee of $95, the Capital One Venture Miles Rewards Credit Card offers unlimited rewards. For example, the card offers unlimited two miles per dollar on every purchase, and five miles per dollar on hotels and rental cars booked through Capital One Travel. If you are a new card member, you will get 75,000 bonus miles after spending $4,000 on purchases within the first 90 days of your account opening.
How do Travel Rewards Cards Work?
Travel rewards cards work by allowing you to earn points or miles for every dollar you spend on eligible purchases. You can then redeem your points or miles for travel-related expenses like flights, hotels, and rental cars. Some travel rewards cards also offer additional perks like trip cancellation insurance and travel accident insurance.
Conclusion
There are a lot of great travel rewards credit cards out there, and it can be tough to choose the right one for you. I hope our list of the ten best travel rewards credit cards in the United States has helped you narrow down your options and find the perfect card for your needs.