Best Credit Card for Travel Points
Best Credit Card for Travel Points: Traveling is a thrill — the kind that feeds your soul, opens your mind, and unfortunately, drains your wallet. But what if you could turn your everyday purchases into free flights, hotel stays, or luxury travel upgrades? That’s where travel rewards credit cards come in.
These little pieces of plastic (or metal, if you’re fancy) are more than just a spending tool. They’re your passport to a more rewarding lifestyle.
In this guide, we’ll break down the best credit cards for travel points, how to use them smartly, and what traps to dodge so you can travel farther, better, and cheaper.
What Are Travel Points?
Travel points, often referred to as miles or reward points, are a type of loyalty currency offered by credit card issuers. Think of them as a thank-you gift for spending. Instead of handing you a coffee mug or a tote bag, banks give you something better — points you can use for travel expenses.
But these aren’t just any points. Travel points can often be redeemed for flights, hotel bookings, car rentals, and even experiences like safaris or cooking classes in Tuscany. Their value varies depending on the card and how you redeem them, but when used wisely, they can be worth more than traditional cashback.
Some cards earn airline-specific miles (like Delta SkyMiles), while others offer flexible points that can be transferred to various partners or used via a travel portal. Either way, every dollar you spend can get you one step closer to your next getaway.
Why Use a Travel Rewards Credit Card?
Still wondering why you’d want one? Here’s the short version: free (or cheaper) travel, exclusive perks, and smarter spending. Travel rewards credit cards often come with amazing benefits like:
- Free checked bags
- Priority boarding
- Airport lounge access
- Travel insurance and rental car coverage
- No foreign transaction fees
If you travel even occasionally, these perks can save you hundreds of dollars and hours of stress. But even if you’re not jet-setting monthly, the right card can turn grocery runs and gas station visits into points that eventually fund your next vacation.
Key Features to Look for in a Travel Points Credit Card
Points per Dollar Spent
Not all credit cards are created equal — especially when it comes to earning points. One card might give you 1 point per dollar across the board, while another might give you 3x on dining, 2x on travel, and 1x on everything else. Knowing where you spend most helps pick a card that maximizes your earning potential.
For example, if you’re a foodie who dines out five times a week, a card with bonus categories on dining can earn you points much faster. Similarly, if you’re constantly booking flights for work, you’d benefit more from a card that rewards travel expenses at a higher rate.
Here’s a quick table to illustrate what this could look like:
| Spending Category | Basic Card | Travel Card |
|---|---|---|
| Dining | 1x | 3x |
| Travel | 1x | 2x or 3x |
| Groceries | 1x | 2x |
| All Other Spend | 1x | 1x |
Welcome Bonuses and Intro Offers
One of the biggest attractions of travel credit cards? That juicy welcome bonus. These intro offers can be a fast track to a free flight or a couple of hotel nights if you meet the minimum spending requirement.
For instance, a card might offer 60,000 bonus points if you spend $4,000 in the first 3 months. That could easily be worth $600 to $900 in travel, depending on the redemption value. But be cautious — don’t overspend just to chase the bonus. If you’re not already planning to spend that amount, it’s not worth going into debt.
Also, make sure you check the time frame. Some cards offer extended spending windows, while others require quick spending.
Redemption Flexibility
The value of your travel points lies in how you redeem them. A good travel credit card should offer multiple redemption options — through the card’s travel portal, as a statement credit, or by transferring to partners.
For example:
- Chase Ultimate Rewards® points can be transferred to 14+ airline and hotel partners.
- Amex Membership Rewards® points can be redeemed for flights, upgrades, and more.
- Capital One Miles can be transferred or used directly to “erase” travel purchases.
Flexibility ensures you can squeeze the most value out of every point. Avoid cards that lock you into just one airline or hotel chain unless you’re a loyal customer of that brand.
Top Travel Credit Cards
Chase Sapphire Preferred® Card
When people talk about the best travel credit card, this one almost always pops up — and for good reason. It’s the gold standard for beginners and seasoned travelers alike.
Features, Pros & Cons
- Annual Fee: $95
- Welcome Bonus: 60,000 points after spending $4,000 in 3 months
- Earning Rate: 5x on travel through Chase, 3x on dining, 2x on all other travel, 1x on other purchases
- Redemption Value: 25% more value when redeemed through Chase Travel Portal
- Transfer Partners: Includes United, Southwest, Hyatt, and more
Pros:
- Excellent travel protections and insurance
- Broad bonus categories
- Highly flexible points
Cons:
- No airport lounge access
- Requires good-to-excellent credit
The Chase Sapphire Preferred is ideal for travelers who want high value without high fees. It’s user-friendly, packed with perks, and its points are some of the most valuable in the game.
American Express® Gold Card
If you’re someone who eats out a lot, shops for groceries frequently, and enjoys the finer things in travel, the Amex Gold Card might just be your perfect match. It’s a foodie’s dream with a strong travel rewards twist.
Features, Pros & Cons
- Annual Fee: $250
- Welcome Bonus: 60,000 Membership Rewards® points after spending $4,000 in 6 months
- Earning Rate: 4x on restaurants (including takeout & delivery), 4x at U.S. supermarkets (up to $25,000/year), 3x on flights booked directly or via Amex Travel, 1x on other purchases
- Redemption Options: Flights, upgrades, gift cards, and transfer to over 20 airline and hotel partners
Pros:
- High earning rates in everyday categories
- Access to the valuable Amex Membership Rewards program
- Monthly dining credits and Uber Cash (up to $240/year combined)
Cons:
- Higher annual fee than entry-level cards
- Some benefits require enrollment
The Amex Gold is a heavy hitter when it comes to racking up points on food and groceries — which makes it ideal for folks who want to earn big without spending specifically on travel. Combine that with premium customer service and a host of travel protections, and you’ve got a card that’s powerful and flexible.
Capital One Venture Rewards Credit Card
This card keeps it simple yet powerful, making it one of the most versatile travel credit cards for both beginners and frequent travelers. The Capital One Venture Rewards Credit Card is all about earning easy-to-use miles without having to overthink bonus categories.
Features, Pros & Cons
- Annual Fee: $95
- Welcome Bonus: 75,000 miles after spending $4,000 in 3 months
- Earning Rate: 2x miles on every purchase, every day
- Redemption: Erase travel purchases, book via Capital One Travel, or transfer miles to 15+ travel partners
Pros:
- Straightforward earning system
- Huge welcome bonus
- Great travel protection benefits
- No foreign transaction fees
Cons:
- Fixed 2x rewards means you might earn less on bonus categories compared to other cards
- Transfer partners are more limited than Chase or Amex
Capital One Venture Rewards is ideal for those who want simplicity. You earn the same rate across all purchases, making it easy to accumulate miles fast. Plus, the option to “erase” travel purchases makes redemption incredibly convenient — no worrying about blackout dates or availability.
How to Maximize Travel Points
Okay, now that you’ve picked your favorite travel credit card (or maybe more than one — we don’t judge), it’s time to talk strategy. Anyone can swipe and earn a few points, but if you want to travel like a pro, you need to play the points game wisely.
Strategic Spending
First rule? Don’t spend just to earn points — spend strategically. Focus your big purchases on your travel card, especially in categories that earn bonus points like dining, travel, and groceries.
Also, if you have more than one card, assign them based on their bonus structures. Use your Amex Gold at the grocery store and restaurants, and use your Chase Sapphire Preferred for travel bookings. It’s like building a dream team for your wallet.
Utilizing Travel Portals
Most premium travel cards offer their own booking platforms. These portals often give you extra value when redeeming points — like 25% or 50% more if you book through them.
For example:
- Chase Ultimate Rewards gives 25% more value with Sapphire Preferred and 50% with Reserve.
- Capital One’s travel portal offers competitive rates and a price-drop protection tool.
Booking through these portals can save you points and money. Just compare prices before locking in your trip — sometimes third-party travel sites offer better deals, and flexibility is key.
Pairing with Airline and Hotel Partners
This is where the magic happens. Transferring your points to airline and hotel partners can significantly increase their value — sometimes more than 2 cents per point!
Let’s say a flight costs $500 or 25,000 points via transfer. That’s 2 cents per point in value — much higher than the average 1 cent when redeemed for cashback.
Popular transfer partners include:
- Chase: United, Southwest, Hyatt, Marriott
- Amex: Delta, British Airways, Hilton, Emirates
- Capital One: Air Canada, Turkish Airlines, Wyndham, Choice Hotels
Transferring does take some research and planning, but the payoff is worth it. Want to fly business class to Europe for the price of economy? This is how you do it.
Common Pitfalls to Avoid
Even with the best card in hand, there are still mistakes that could cost you big. Here’s what to watch out for:
Foreign Transaction Fees
One of the most frustrating fees is the foreign transaction fee — usually around 3% on every purchase made abroad. The good news? Most travel cards waive this fee, but double-check before you swipe overseas. If your card still charges one, consider switching to a better travel card.
Expiring Points
Believe it or not, your points can disappear if you’re not careful. While many major issuers like Chase and Amex don’t let points expire as long as your account is open, some co-branded airline and hotel cards might have stricter timelines. Always read the fine print and keep your account active by making a small purchase or transferring points.
Overspending to Chase Points
That welcome bonus is tempting, but don’t fall into the trap of overspending just to hit the minimum. If you’re buying things you don’t need, the value of the points won’t make up for the money lost. Set a plan for how you’ll meet the spending requirement with everyday expenses, not impulse buys.
Comparing Travel Credit Cards: Which One is Right for You?
With so many options on the table, picking the best travel credit card can feel like choosing your favorite dessert—nearly impossible because they all have their own sweet perks. But the key is to match a card to your travel style, spending habits, and goals.
Frequent Flyers vs. Occasional Travelers
If you’re flying monthly for business or pleasure, a card with premium benefits like lounge access, airline credits, and elite status (like the Chase Sapphire Reserve® or Amex Platinum) may be worth the high annual fee.
But if you’re an occasional traveler looking to save on your yearly vacation, something like the Chase Sapphire Preferred® or Capital One Venture Rewards Credit Card offers great value without breaking the bank.
Earning Potential
Ask yourself: where do you spend most of your money? If it’s dining and groceries, the Amex Gold will treat you right. If it’s travel and all-around purchases, the Chase Sapphire or Capital One Venture offers consistent returns and flexibility.
Your Preferred Airline or Hotel Chain
If you’re loyal to a specific airline or hotel brand (e.g., Delta or Marriott), a co-branded card like the Delta SkyMiles® Gold Amex or Marriott Bonvoy Boundless® might offer better perks like free checked bags, upgrades, or free night stays.
Table: Quick Comparison
| Feature | Chase Sapphire Preferred | Amex Gold | Capital One Venture |
|---|---|---|---|
| Annual Fee | $95 | $250 | $95 |
| Welcome Bonus | 60,000 points | 60,000 points | 75,000 miles |
| Bonus Categories | Travel, Dining | Dining, Groceries | All purchases |
| Best For | Flexible travelers | Foodies, everyday spenders | Simple earn & redeem |
| Transfer Partners | 14+ | 20+ | 15+ |
| Foreign Transaction Fees | None | None | None |
Hidden Benefits You Might Not Know About
Beyond earning points, travel cards come packed with under-the-radar perks that can save you serious cash and stress on the road.
Trip Cancellation/Interruption Insurance
Ever had a trip canceled last-minute due to weather, illness, or an emergency? Some cards like the Chase Sapphire Preferred offer trip cancellation insurance that can reimburse non-refundable costs.
Rental Car Insurance
Forget paying extra at the rental counter. Many top-tier travel cards offer primary rental car insurance that covers theft and collision damage.
Lost Luggage Reimbursement
If the airline loses your bag, you’re not stuck waiting and hoping. Cards like Amex and Chase offer lost luggage coverage that reimburses you for lost or delayed bags.
Purchase Protection & Extended Warranty
Did your brand-new travel camera break or get stolen? Many cards offer purchase protection for a limited time and even extend manufacturer warranties.
These hidden perks can make a huge difference and often go unused simply because people don’t know they exist. Always check your card’s benefits guide—it’s a goldmine.
The Value of Loyalty Programs
Pairing your travel card with loyalty programs can skyrocket your rewards. Most travel credit cards allow you to transfer points to airline and hotel loyalty programs, often at a 1:1 ratio.
Airline Loyalty Programs
Transferring your points to programs like Delta SkyMiles, United MileagePlus, or British Airways Avios can unlock award tickets at better rates. Look for “sweet spots” like:
- Domestic flights on British Airways for fewer Avios
- Business class on ANA through Amex transfer partners
- Southwest’s Companion Pass, where your companion flies free
Hotel Loyalty Programs
Using cards like the Chase Sapphire Preferred lets you transfer points to Hyatt or Marriott Bonvoy, giving you free nights at luxury hotels. Hyatt’s award chart is especially valuable, with rooms starting at 5,000 points per night.
Best Practices to Stay Ahead
Let’s wrap up with some best practices to help you truly master the travel credit card game.
Track Your Points
Use apps or spreadsheets to keep tabs on your points and miles. Knowing when they expire and how many you have can help you plan your next trip more efficiently.
Set Travel Goals
Don’t just collect points for the sake of it—know what you want. Planning a honeymoon to Bali or a ski trip to the Alps? Research the best transfer partners and card strategies to get there.
Avoid Interest Charges
The value of travel points gets erased if you’re paying interest. Always pay off your balance in full each month to maximize your gains.
FAQs about Best Credit Card for Travel Points
What makes a credit card good for travel points?
A good travel points credit card offers generous rewards on travel purchases, flexible redemption options, and additional travel perks like airport lounge access or travel insurance. Look for cards that earn points quickly with your spending habits—whether that’s on dining, flights, or hotel stays—and check how easily those points can convert into flights, hotel stays, or other travel experiences.
How do I choose the best travel credit card for me?
Start by evaluating your travel goals. Are you aiming for domestic flights, international adventures, or luxury travel? Different cards cater to different needs. Consider the earning rates, the rewards program’s flexibility, and the annual fee. Don’t forget to compare sign-up bonuses and weigh the benefits against any costs.
Are there travel credit cards with no annual fee?
Yes, several travel credit cards offer great rewards without an annual fee, though they might offer fewer perks than premium cards. These cards are ideal for less frequent travelers who still want to earn travel points without a yearly charge.
How do travel credit cards work?
Travel credit cards reward you with points or miles every time you make a purchase. When you use these cards for travel-related expenses, such as flights and hotels, you often earn additional points. Once you accumulate enough points, you can redeem them for travel-related expenses, statement credits, gift cards, or even merchandise.
Can I use travel points to book flights with any airline?
Many travel credit cards offer flexible redemption options, allowing you to book flights with multiple airlines. Some cards are tied to specific airlines, offering greater rewards within their network. Be sure to check if your card is co-branded with an airline or if it has a more flexible, multi-airline redemption system.
What are the hidden costs of travel credit cards?
While travel credit cards can be hugely beneficial, watch out for potential pitfalls like high annual fees, foreign transaction fees, and interest rates if balances are carried over. Always read the fine print to understand your card’s fee structure and interest rates to ensure it aligns with your spending habits and payment routines.
Conclusion
Travel credit cards are more than just tools for spending—they’re your ticket to better, cheaper, and more luxurious travel experiences. From free flights and hotel stays to lounge access and travel insurance, these cards offer incredible value for those who use them wisely.
Whether you’re a digital nomad flying weekly or a family planning a yearly vacation, there’s a perfect card out there to turn your everyday purchases into unforgettable travel memories. The key is picking one that aligns with your lifestyle, spending habits, and travel goals. Start swiping smart, and watch the world open up.
