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Travel credit cards can help you travel for free, while making your trips a bit less stressful and more enjoyable. You can earn valuable rewards — like points and miles — and, depending on your card, you'll get perks that can elevate your experience, like airport lounge access and elite hotel status. Travel cards also come with a variety of handy protections and insurance benefits, which can help if your trip is delayed or your bags are lost.
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The information related to Capital One VentureOne Rewards Credit Card, The Business Platinum Card® from American Express, Hilton Honors American Express Aspire Card, United Club℠ Infinite Card, The World of Hyatt Credit Card, IHG® Rewards Club Premier Credit Card, Southwest Rapid Rewards® Priority Credit Card, American Express® Green Card, American Express® Business Gold Card, Capital One Spark Miles for Business, The Blue Business® Plus Credit Card from American Express, Hilton Honors American Express Surpass® Card, United℠ Explorer Card, The Hilton Honors American Express Business Card, IHG® Rewards Club Traveler Credit Card, Marriott Bonvoy Business™ American Express® Card, Southwest Rapid Rewards® Premier Credit Card, and Southwest Rapid Rewards® Plus Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
How We Picked These Cards
Redeeming rewards: Do you know how to get a good value for your rewards? This usually means redeeming for flights or hotel rooms, but take note that point values can vary widely. You should be able to redeem for purchases or experiences that fit with your travel plans.
Introductory bonus: Introductory bonuses (or signup bonuses) are great ways to earn a ton of points fast. These bonuses often give you a return on your spending of around 20%, but are sometimes as high as 50% or even more, making them some of the most lucrative offers in the credit card game.
Fits your travel habits: Do you love Delta, Southwest, Marriott Bonvoy, or any other travel brand? Then one of their co-branded cards might be for you. If you don’t have a favorite, consider a general travel rewards card instead.
Travel perks: Premium and mid-range travel cards tend to have valuable, cost-saving benefits like travel credits, airport lounge access, elite hotel status, or fee credits for expedited airport screening. Understand what you’ll be getting before you apply so you can make the most of your new card.
Protection benefits: When something goes wrong, it’s good to have some backup. The best travel cards will help in certain unfortunate circumstances, with reimbursement for delayed trips or damaged bags, for example. Some even provide primary auto insurance for rental vehicles so your premiums won’t go up if you get in an accident.
Foreign transaction fees: Most travel cards don’t have foreign transaction fees, but some do. If you’re going to be traveling outside the U.S. or purchasing anything in foreign currency, be sure to use a card without a foreign transaction fee.
Chip-and-PIN EMV technology: If you’ll be traveling abroad it’s often a good idea to bring along a card with chip-and-PIN capability. Although regular chip-and-Signature cards are accepted at many locations, some terminals outside the U.S. only accept PIN cards.
Is a Travel Card Right for You?
As long as you’re a responsible credit card user, a credit card with travel rewards can help you travel for free and have a better time while you’re at it.
The best travel card for you depends on your preferences and travel habits. It could make sense for you to get more than one card (if you travel a lot, this is probably the case).
If you travel infrequently, like once per year or less, you should probably consider a card with no annual fee. If you spend a lot of time in the air, an airline-oriented card might be right. And if you stay at hotels — that’s right, there are hotel credit cards for you.
Do you have a favorite airline or hotel brand? You might enjoy using a co-branded credit card, which offers rewards and special perks with that company. If you don’t have any favorites, that’s OK too — there are plenty of general-use travel cards that are good for a variety of travel spending.
If you’re planning to travel to a different state or country, be sure to set a travel notice ahead of time to prevent your card from being declined while making purchases away from home.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
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.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
It’s popular as an inexpensive and flexible way to earn Chase Ultimate Rewards points, which can be transferred to a variety of travel loyalty programs. It has an excellent signup bonus which could be worth enough for a few trips, and it’s also known for being made out of metal.
Spending Rewards
5X Ultimate Rewards points per dollar:
Travel purchased through Chase Ultimate Rewards
Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar:
Dining
Select streaming services
Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
2X Ultimate Rewards points per dollar for other Travel purchases
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
60,000 bonus points after spending $4,000 on purchases in the first 3 months
To really maximize your point value you’ll need to transfer to a partner airline or hotel. That could give you upwards of 2 cents per point, which comes to a cash back equivalent of 4% on travel and dining.
With travel cards like these it generally pays to hold your points until you can redeem them at a good rate; otherwise you should just pay with your card as normal to earn more points.
10% annual point bonus: Get a 10% bonus on all points earned in the past year; awarded on your account anniversary.
25% redemption point bonus: Get 25% more value when redeeming for travel expenses through Chase Ultimate Rewards; that means each point is worth 1.25 cents. Chase may give a 25% bonus for other redemption types as well.
Point transfer: Transfer points at a 1:1 rate to leading airline and hotel loyalty programs, like Marriott Bonvoy and United MileagePlus.
DoorDash membership: Get a free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
$60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
60,000 bonus miles for spending $3,000 in the first 3 months
Perks: Mile transfer; Global Entry/TSA PreCheck fee credit; Visa Signature only: Luxury Hotel Collection, Visa Concierge, shopping discounts
Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
Some of the above benefits are provided by Visa or Mastercard and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.
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®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
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
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
Dining
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
50,000 bonus points after spending $4,000 on purchases in the first 3 months
It earns points at higher multiples for dining and travel, has a better redemption bonus, and comes with a variety of perks and services that can help you save money and access interesting experiences.
Generally speaking, the best way to use Ultimate Rewards points is to transfer them to a partner airline or hotel loyalty program. That could give you 2 cents per point or potentially quite a bit more, depending on how you use them.
$300 annual travel credit: You’ll get a $300 travel credit every year that will be automatically applied to any travel-related expenses you charge to your card.
Priority Pass Select membership: Cardholders get complimentary Priority Pass Select membership, which provides access to over 1,000 airport lounges and restaurants worldwide. You must manually activate this benefit, and you’ll receive a Priority Pass Select member card in the mail.
Global Entry/TSA PreCheck application fee credit: Every four years you’ll get up to a $100 credit towards the application fee for either Global Entry ($100) or TSA PreCheck ($85).
Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection provides some complimentary services and benefits at participating hotels and resorts.
Elite hotel benefits at Relais & Châteaux: Cardholders get accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties; just stay two nights at qualifying properties in a 12-month period. Club 5C status provides benefits like a VIP welcome, room upgrades, access to a unique experience at each property, and invitations to exclusive events. You must book using the Visa Infinite Concierge.
$120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Visa Infinite Concierge: Call 1-877-660-0905 for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show. You can also ask for travel recommendations, for flights, tourist attractions, the best shopping spots, restaurants, night clubs, etc. This benefit is probably most useful when visiting a new city.
Special car rental privileges: You can access your special car rental privileges by logging in to Chase Ultimate Rewards and following the instructions to enroll. You’ll get perks at Avis, Silvercar, and National Car Rental like rental upgrades, discounts, and occasional promotional offers.
Lyft Pink membership: One-year exclusive saving opportunities with Lyft Pink membership, providing 15% off rides, relaxed cancellation fees, priority dispatch at airports, and more
DoorDash membership, $60 annual DoorDash credit: Chase will pay for a DoorDash subscription for two years (a DashPass). You’ll also get $60 in DoorDash credits in 2020, and $60 in 2021 (learn more about Chase DoorDash benefits).
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
10X miles per dollar for Hotels and Rental Cars booked through Capital One Travel
5X miles per dollar for Flights booked through Capital One Travel
2X miles per dollar for every other purchase
Introductory Bonus
100,000 bonus miles for spending $10,000 in the first 6 months; up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO
Perks: $300 annual Capital One Travel credit; 10,000 anniversary bonus miles; Capital One Lounge access; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; Mile transfer; Visa Infinite Concierge
Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services; Trip Cancellation and Interruption; Trip Delay Reimbursement; Travel Accident Insurance; Lost Luggage Reimbursement; Cellular Telephone Protection; Purchase Security; Extended Warranty Protection; Return Protection
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
The Venture miles you earn with this card are typically worth 1 cent each, but Capital One recently introduced the ability to transfer your miles to a variety of airline partners.
Transfers could provide 2 cents per mile or more, which would give you a cash back equivalent of2.5% for everything you buy.
Although this card’s base rewards are fairly small, it has valuable airline and hotel-related features that some travelers could find very useful.
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
There are quite a few cards offering the popular Priority Pass Select membership, but the Platinum card grants access to that along with a host of other lounge brands, including Delta Sky Clubs and Amex’s own exclusive Centurion lounges (enrollment required for lounge access).
It’s worth noting that the Platinum card’s Priority Pass Select membership excludes non-lounge experiences, though they’re still offered through competing premium cards, like the Chase Sapphire Reserve® (Review).
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Normal redemptions for flights will yield 1 cent per point, which is a poor way to use your rewards. It would be better to save up for point transfers, which could provide upwards of 2 cents per point.
At 2 cents per point you’d earn a cash back equivalent of 10% in the 5X categories. But those bonus categories are a bit limited compared to what you’ll get from some other premium travel cards, like the Chase Sapphire Reserve® (Review) or Citi Prestige® Card (Review).
Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
$300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
$240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
Point transfer: To a selection of airline and hotel loyalty programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
10X miles per dollar for Hotels and Rental Cars booked through Capital One Travel
5X miles per dollar for Flights booked through Capital One Travel
2X miles per dollar for every other purchase
Introductory Bonus
100,000 bonus miles for spending $10,000 in the first 6 months; up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO
Perks: $300 annual Capital One Travel credit; 10,000 anniversary bonus miles; Capital One Lounge access; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; Mile transfer; Visa Infinite Concierge
Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services; Trip Cancellation and Interruption; Trip Delay Reimbursement; Travel Accident Insurance; Lost Luggage Reimbursement; Cellular Telephone Protection; Purchase Security; Extended Warranty Protection; Return Protection
Some may find the rewards a bit wanting, but the travel perks can’t be beat. You’ll get the best airport lounge access possible on a credit card, elite status at Marriott and Hilton to up your hotel game, and all the valuable protections and services you’d expect with a premier business travel card.
Spending Rewards
5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
Construction material and hardware suppliers
Electronic goods retailers and software/cloud system providers
Shipping providers
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
120,000 bonus points for spending $15,000 within the first 3 months
The annual fee may seem a bit high at first glance, but consider everything you’ll get from the benefits, plus any rewards you earn: With enough travel each year you should be able to justify this card without much problem.
Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
$400 Dell statement credit: Enroll to get up to $400 in annual statement credits for U.S. purchases with Dell: $200 from January through June, and $200 from July through December.
$360 in annual statement credits for Indeed: Up to $90 in statement credits per quarter for all Indeed hiring and recruiting products and services
Up to $150 in annual statement credits for Adobe: Annual credits for select Adobe products, including Adobe Creative Cloud and Acrobat Pro DC
Up to $120 in annual statement credits for wireless services: Up to $10 per month, good for purchases of monthly wireless services made directly from U.S. wireless telephone providers
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
Point transfer: To a selection of airline and hotel partners
No foreign transaction fee
Annual fee: $595 ($695 if application is received on or after 1/13/2022)
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
4X Membership Rewards points per dollar in the two categories with the highest spend per billing cycle (up to $150,000 in combined purchases per year, then 1X):
Airfare purchased directly from airlines
U.S. advertising purchases: online, TV, radio
U.S. providers of computer hardware, software, and cloud solutions
U.S. gas stations
U.S. restaurants
U.S. shipping
2X Membership Rewards points per dollar for eligible purchases from Amex Travel
1X Membership Rewards point per dollar for other eligible purchases
Introductory Bonus
70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
Perks: 25% points back when booking eligible airfare through Amex Travel; The Hotel Collection; Point transfer; Amex Offers
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $295
Enrollment required for select benefits; terms and limitations apply.
American Express® Business Gold Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
You can get a lot out of the Hilton Honors American Express Aspire Card if you’ll stay at Hilton properties several times per year. You’ll earn lots of points, and there are a variety of hotel credits and perks to make your stays less expensive and more enjoyable.
Spending Rewards
14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort in the Hilton portfolio
7X Hilton Honors points per dollar for:
Flights booked directly with airlines or amextravel.com
Car rentals booked directly from select car rental companies
U.S. restaurants
3X Hilton Honors points per dollar on other eligible purchases
Introductory Bonus
150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
As you can see, there’s no shortage of points with this card. But Hilton points aren’t usually valued as highly as points with other hotel reward programs.
At a value of 0.4–1 cent per point, you’ll be earning a cash back equivalent of 13.6%–34% at Hilton properties, and 2.8%–7% in the three 7X categories.
Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
Annual $250 Hilton resort statement credit: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
Annual $250 airline fee statement credit: For incidental fees only
$100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Aspire Card (Rates & Fees)
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy points per dollar:
U.S. restaurants
Flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar on other eligible purchases
Introductory Bonus
75,000 Bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months
Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
6X Hilton Honors Bonus points per dollar at:
U.S. Restaurants
U.S. Supermarkets
U.S. Gas stations
3X Hilton Honors Bonus points per dollar on other eligible purchases
Introductory Bonus
150,000 bonus points for spending $2,000 in the first 3 months; 50,000 bonus points for spending a total of $10,000 in the first 6 months
Perks: Hilton Honors Gold status; Priority Pass™ Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year; ShopRunner membership
Shopping and travel protections: Purchase Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline
No foreign transaction fee
Annual fee: $95, $0 first year
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Surpass® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
10X points per dollar spent at participating Radisson Family of Hotels
5X points per dollar spent everywhere else
Introductory Bonus
50,000 points after first purchase; 35,000 points after spending $2,500 in the first 90 days
Perks: Gold Status Radisson Rewards; 40,000 renewal bonus points per year; Up to three Free Night E-Certs when you charge up to $30,000 then renew your card, one E-Cert per $10,000; Visa Signature Concierge;
Shopping and travel protections: Travel Accident Insurance; Lost Luggage Reimbursement; Travel and Emergency Assistance Services
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The United Club℠ Infinite Card (Review) is the premier card for flying United, with perks like access to the United Club lounge, free first and second checked bags, and priority treatment at the airport.
Spending Rewards
4X miles per dollar spent on United purchases
2X miles per dollar spent for:
Restaurants
Travel
1X mile per dollar spent on all other purchases
Introductory Bonus
75,000 bonus miles for spending $3,000 in the first 3 months
3X SkyMiles per dollar for purchases made directly with Delta Air Lines
1X SkyMile per dollar for other eligible purchases
Introductory Bonus
50,000 Bonus Miles and 10,000 MQMs for spending $3,000 in the first 3 months; up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first 3 months
Perks: Delta Sky Club and Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, and 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost
No foreign transaction fee
Annual fee: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
On hotel accommodations made directly with the hotel
At restaurants
1X United mile per dollar spent on other purchases
Introductory Bonus
40,000 bonus miles for spending $2,000 in the first 3 months
Perks: Free first checked bag; 25% in-flight discount; Priority Boarding; Two United Club passes per year; Global Entry/TSA PreCheck credit; Luxury Hotel & Resort Collection; Visa Concierge Service
Shopping and travel protections: Purchase Protection; Extended Warranty Protection; Auto Rental Collision Damage Waiver; Lost Luggage Reimbursement; Trip Cancellation/Interruption Insurance; Trip Delay Reimbursement; Baggage Delay Insurance
The information related to United Club℠ Infinite Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
$200 cash rewards bonus for spending $1,000 in the first 90 days
New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
No changing categories and no expiration on rewards
0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99%–23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
Now with chip technology for enhanced security and protection at chip-enabled terminals
Student travelers actually have several good options here, of travel cards designed for people with limited credit histories.
The Bank of America Customized Cash Rewards™ Credit Card for Students (Review) may be the best all-around student card for travel, but you’ll need to plan your travel spending a bit in advance to get the most out of it. That’s because this card allows you to choose your 3% bonus category each month, and you’ll need to set it to Travel for the appropriate time frame before making purchases.
Spending Rewards
3% cash back in one category of your choice:
Gas
Online shopping
Dining
Travel
Drugstores
Home improvement/furnishings stores
2% cash back at:
Grocery stores
Wholesale clubs
1% cash back on all other purchases
3% and 2% rewards only up to $2,500 in combined spending per quarter, then 1% cash back
Introductory Bonus
$200 cash rewards bonus for spending $1,000 in the first 90 days
With this flexible card you can adjust your bonus category each month to fit your expected spending. So if you’re going on a trip beginning at the end of a month, for example, you could use the Travel category to get 3% back on your airfare and hotels, and even a car rental. Then, when the new month begins, you can switch your category to Gas to help fuel your adventure.
Bank of America Preferred Rewards: Eligible bank account holders get a 25%–75% reward bonus, depending on how much money is held in BofA and Merrill Lynch bank accounts.
Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
Visa Platinum or Signature benefits: Depending on creditworthiness
Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
Applicants of Deserve credit cards have a better chance of approval because Deserve checks factors like education and income potential, in addition to the typical credit scoring criteria.
Take note that Deserve will need to connect to your bank account to verify your balance. If you have privacy or security concerns this might worry you, but it seems logical because Deserve bases its decision on more than the typical credit approval criteria.
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
Annual $250 Hilton resort statement credit: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
Annual $250 airline fee statement credit: For incidental fees only
$100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Aspire Card (Rates & Fees)
12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
6X Hilton Honors Bonus points per dollar for:
U.S. Gas stations
U.S. Wireless telephone services directly from providers
U.S. Restaurants
U.S. Shipping purchases
Flights booked directly with airlines or Amex Travel
Car rentals booked directly with select car rental companies
3X Hilton Honors Bonus points per dollar on other eligible purchases
Introductory Bonus
130,000 Bonus points for spending $2,000 in the first 3 months; 50,000 Bonus points for spending a total of $10,000 in the first 6 months
Perks: Hilton Honors Gold status, and fast track to Diamond; Priority Pass Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year, and a second for spending $60,000; Amex Offers
Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Global Assist Hotline
No foreign transaction fee
Annual fee: $95
Enrollment required for select benefits; terms and limitations apply.
The Hilton Honors American Express Business Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Your only option for a Hyatt-branded credit card is the The World of Hyatt Credit Card (Review) from Chase, but it comes with quite a few perks to take advantage of every year.
Spending Rewards
9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
4X Bonus points from the card
5X Base points from Discoverist member status
2X Bonus points per dollar on:
Restaurants
Airline tickets purchased directly from the airline
Local transit/commuting
Fitness clubs and gym memberships
1X Bonus point per dollar on all other purchases
Introductory Bonus
30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months; apply by 9/30/21 to get 2 Tier-Qualifying Night Credits for eligible stays from 8/16/21–12/31/21
The information related to The World of Hyatt Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
Earn up to 25 points total per $1 spent when you stay at an IHG hotel
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
If you’re looking for a card branded with the InterContinental Hotels Group, the IHG® Rewards Club Premier Credit Card (Review) is your best option. It earns a wealth of points at IHG properties, comes with complimentary Platinum Elite status, and provides a free reward night each year after your cardmember anniversary.
Spending Rewards
25X points per dollar at IHG hotels and resorts:
10X points from the IHG credit card
15X points for IHG Platinum Elite status
2X Bonus points per dollar at:
Gas stations
Restaurants
Grocery stores
1X Bonus point per dollar for all other purchases
Introductory Bonus
125,000 bonus points for spending $3,000 in the first 3 months
Point discount: 20% discount when purchasing points
Complimentary IHG Rewards Club Platinum Elite status: Includes a 50% bonus on base points earned, free internet, priority check-in, room upgrades when available, and guaranteed room availability (72 hours in advance)
Annual bonus offer: 10,000 Bonus points for spending $20,000 and making one additional purchase per account anniversary year
No foreign transaction fee
Annual fee: $89
The information related to IHG® Rewards Club Premier Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
The lineup includes one luxury card with great rewards and benefits — the Marriott Bonvoy Brilliant™ American Express® Card (Review). The annual fee is fairly high but you’ll get more than a few cost-saving perks to justify the money.
Spending Rewards
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy points per dollar:
U.S. restaurants
Flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar on other eligible purchases
Introductory Bonus
75,000 Bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months
$300 annual Marriott Bonvoy hotel credit: Up to $300 in statement credits for eligible purchases
Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 50,000 points or less.
Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
Application fee credit for Global Entry or TSA PreCheck: A statement credit for the application fee of either Global Entry ($100 every five years) or TSA PreCheck ($85 every four-and-a-half years)
Complimentary Gold Elite hotel status: Includes perks like a 25% bonus on base points, 2 p.m. late checkout, and more
15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
$100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
Bonus points for airline transfers: Get 15,000 bonus points for every 60,000 points transferred to airline programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Marriott Bonvoy Portfolio
4X Marriott Bonvoy Bonus points per dollar for eligible purchases at:
U.S. restaurants
U.S. gas stations
Wireless telephone services purchased directly from U.S. providers
U.S. purchases of shipping
2X Marriott Bonvoy Bonus points per dollar spent on other eligible purchases
Introductory Bonus
75,000 bonus points for spending $3,000 in the first 3 months; up to $150 back in statement credits on eligible purchases in the first 3 months
Perks: Free Night Award after account anniversary, and a second Free Night Award for spending $60,000 in a calendar year; Marriott Bonvoy Silver Elite status, with a fast track to Gold Elite; Free premium in-room WiFi; 15 Elite Night Credits; $100 property credit at The Ritz-Carlton and St. Regis
Shopping and travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $125
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Business™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
10X points per dollar spent in eligible net purchases at participating Radisson Family of Hotels
5X points per dollar spent in eligible net purchases everywhere else
40,000 renewal bonus points each year when you renew your card
Up to 85,000 Bonus Points – receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days
Earn up to three Free Night E-Certs when you charge up to $30,000 then renew your card. One E-Cert per $10,000
Exclusive Gold Status Radisson Rewards membership upgrade with included benefits
Earn free stays at more than 1,100 hotels across the globe
You’ll have a couple different options for Radisson-branded hotel cards. The Radisson Rewards™ Premier Visa Signature® Card is the best offer, but there’s also a no annual fee card for those who won’t stay at Radisson very often.
Spending Rewards
10X points per dollar spent at participating Radisson Family of Hotels
5X points per dollar spent everywhere else
Introductory Bonus
50,000 points after first purchase; 35,000 points after spending $2,500 in the first 90 days
Radisson Rewards Gold status: Includes perks like a bonus on Base points, a 15% discount on food and drink, welcome gifts, room upgrades, and more
Free Night E-Certificates: Earn one Free Night E-Cert for each $10,000 spent in a given year, up to 3 free nights per year.
Visa Signature Concierge: Call for non-emergency help with travel planning, making reservations, finding restaurants, and more.
Visa Signature perks: Entertainment offers, shopping discounts, invites to sports events, etc.
Foreign transaction fee: 2% of each foreign purchase or foreign ATM advance in USD; 3% of each foreign purchase or foreign ATM advance in a foreign currency
The Citi Prestige® Card (Review) has an excellent rewards program for anyone who tends to stay with different hotel brands, with 3X points for every stay (plus other handy categories for travelers).
But the best part? You’ll get your fourth night free on hotel bookings, up to twice per year, when you book with ThankYou.com. Plan to use those on a nice vacation, at a fancy hotel or resort, and they could easily be worth over $1K per year.
There’s also solid airport lounge access through Priority Pass, and a travel credit to help offset the annual fee.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
Don’t want to be treated like a commoner? Tap into complimentary elite hotel statuses with The Platinum Card® from American Express (Review), and upgrade your next Hilton or Marriott Bonvoy stay.
You’ll enjoy both Hilton Honors Gold and Marriott Bonvoy Gold Elite status, which means more points per dollar, better rooms, and some nice amenities.
Hilton Honors Gold comes with an 80% point bonus, room upgrades, free breakfast, and more. Marriott Bonvoy Gold Elite gives you a 25% point bonus, room upgrades, a welcome gift of points, and enhanced in-room internet access.
If you prefer a particular hotel brand — like Hilton, Marriott Bonvoy, Hyatt, or IHG — you’ll find hotel member status included with many co-branded credit cards as well.
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
$300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
$240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
Point transfer: To a selection of airline and hotel loyalty programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy points per dollar:
U.S. restaurants
Flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar on other eligible purchases
Introductory Bonus
75,000 Bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months
Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
4X Bonus points from the card
5X Base points from Discoverist member status
2X Bonus points per dollar on:
Restaurants
Airline tickets purchased directly from the airline
Local transit/commuting
Fitness clubs and gym memberships
1X Bonus point per dollar on all other purchases
Introductory Bonus
30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months; apply by 9/30/21 to get 2 Tier-Qualifying Night Credits for eligible stays from 8/16/21–12/31/21
Perks: World of Hyatt Discoverist status; Free Night Stay; Visa Signature Concierge
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
Dining
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
50,000 bonus points after spending $4,000 on purchases in the first 3 months
Perks: Accelerated progress toward Club 5C membership status at Relais & Châteaux luxury hotel and resort properties; $300 annual travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Lyft Pink membership; DoorDash membership and credits; point transfer partners
Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
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®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
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
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
If you’re not willing to settle for a lesser travel card, the Chase Sapphire Reserve® (Review) should be on your shortlist. With a solid rate for just about every travel expense, including hotels, travelers should earn quite a few points per trip.
The points are accompanied by excellent perks, including a big travel credit to help bring the effective cost down and airport lounge access via Priority Pass Select membership.
Spending Rewards
10X Ultimate Rewards points per dollar:
Chase Dining through Ultimate Rewards
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
Dining
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
50,000 bonus points after spending $4,000 on purchases in the first 3 months
Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy.
$300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
$120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Priority Pass Select membership: Enjoy access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
Elite hotel benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
$60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
10X miles per dollar for Hotels and Rental Cars booked through Capital One Travel
5X miles per dollar for Flights booked through Capital One Travel
2X miles per dollar for every other purchase
Introductory Bonus
100,000 bonus miles for spending $10,000 in the first 6 months; up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO
Perks: $300 annual Capital One Travel credit; 10,000 anniversary bonus miles; Capital One Lounge access; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; Mile transfer; Visa Infinite Concierge
Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services; Trip Cancellation and Interruption; Trip Delay Reimbursement; Travel Accident Insurance; Lost Luggage Reimbursement; Cellular Telephone Protection; Purchase Security; Extended Warranty Protection; Return Protection
You don’t have many options for co-branded hotel business cards, so you may want to expand your search to include general business travel cards, or the personal hotel cards on this page.
If Marriott’s a regular feature of your itinerary, consider the Marriott Bonvoy Business™ American Express® Card (Review). With a reasonable annual fee and solid perks, like upgraded member status and a free night every year after your anniversary, it might even make those business trips something to look forward to.
Spending Rewards
6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Marriott Bonvoy Portfolio
4X Marriott Bonvoy Bonus points per dollar for eligible purchases at:
U.S. restaurants
U.S. gas stations
Wireless telephone services purchased directly from U.S. providers
U.S. purchases of shipping
2X Marriott Bonvoy Bonus points per dollar spent on other eligible purchases
Introductory Bonus
75,000 bonus points for spending $3,000 in the first 3 months; up to $150 back in statement credits on eligible purchases in the first 3 months
Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 35,000 points or fewer; earn a second free night by spending $60,000 in a calendar year.
Marriott Bonvoy Silver Elite status: Includes a 10% bonus on Base points and priority late checkout
Earn Marriott Bonvoy Gold Elite status: Spend $35,000 in a calendar year to gain a Gold Elite membership.
Free premium in-room WiFi
15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
$100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
Shopping and travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $125
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Business™ American Express® Card (Rates & Fees)
5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
Construction material and hardware suppliers
Electronic goods retailers and software/cloud system providers
Shipping providers
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
120,000 bonus points for spending $15,000 within the first 3 months
Perks: Global Lounge Collection airport lounge access; Up to $200 in annual airline fee statement credits; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Up to $400 in annual Dell statement credits; Up to $360 in annual statement credits for Indeed; Up to $150 in annual statement credits for Adobe; Up to $120 in annual statement credits for monthly wireless services; The Hotel Collection; Fine Hotels & Resorts program; Point transfer
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Trip Cancellation and Interruption Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection, Return Protection
No foreign transaction fee
Annual fee: $595 ($695 if application is received on or after 1/13/2022)
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Rewards: Choose from one of three valuable rewards programs, two of which offer 5X points on hotels and airfare booked through Brex Travel
Perks: Point transfer; Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
Expense management and receipt reconciliation tools
No foreign transaction fee
Annual fee: $0
Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
The information related to Marriott Bonvoy Business™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
NEW – 40,000 Bonus Mile + Alaska’s Famous Companion Fare™ Offer.
Get 40,000 bonus miles and Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
Get Alaska’s Famous Companion Fare™ every year! EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airlines Hotels.
Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
The Alaska Airlines Visa Signature® Credit Card is one of the more popular airline cards thanks to the yearly Companion Fare, which can completely offset the annual fee and make this card basically free to use.
In fact, as long as you avoid interest and other fees, you’re effectively getting paid to use this card if you always take advantage of the Companion Fare.
Spending Rewards
3X miles per dollar spent on Alaska Airlines & Virgin America purchases
1X mile per dollar spent on all other purchases
Introductory Bonus
40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
Earn 50,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
The Citi® / AAdvantage® Executive World Elite Mastercard® (Review) is the premier card for flying American Airlines, with a hefty price tag. But if you’re already spending a lot of money and time with the airline, this card’s benefits, particularly the Admirals Club airport lounge membership, could make your life quite a bit more comfortable.
Authorized users of this card have no cost and actually get Admirals Club access as well, a rare feature on premium travel cards like this. Up to ten authorized users can be added.
Spending Rewards
2X AAdvantage miles per dollar spent on eligible American Airlines purchases
1X AAdvantage mile per dollar spent on all other purchases
Introductory Bonus
50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening
Admirals Club membership: You and up to ten authorized users have access to the Admirals Club airport lounge.
Global Entry or TSA PreCheck application credit: Get a credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85) once every five years.
Elite Qualifying Miles: Earn 10,000 Elite Qualifying Miles after spending $40,000 on purchases in a given year.
Reduced Mileage Awards: Get discounted travel for round trip (7,500 miles off) and one-way flights (3,750 miles off).
Enhanced Airport Experience: Including priority check-in, screening, and boarding privileges
25% discount on in-flight purchases on AA flights: The 25% discount will be applied to in-flight purchases of food and beverages only.
First checked bag free on AA flights: For you and up to eight traveling companions
Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.
Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
Fee Credit for Global Entry or TSA Pre✓®.
Enjoy your first checked bag free on Delta flights.
The Delta SkyMiles® Reserve American Express Card (Review) is expensive, but it comes with quite a few valuable benefits. You get complimentary Delta Sky Club access and two free one-time Sky Club guest passes (guests are $39 after that), plus complimentary access to Centurion Lounges (where guests will cost $50).
Other perks include an annual Companion Certificate and a Global Entry/TSA PreCheck application fee statement credit.
Spending Rewards
3X SkyMiles per dollar for purchases made directly with Delta Air Lines
1X SkyMile per dollar for other eligible purchases
Introductory Bonus
50,000 Bonus Miles and 10,000 MQMs for spending $3,000 in the first 3 months; up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first 3 months
Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
First checked bag free on Delta flights: For you and up to eight traveling companions
Priority Boarding on Delta flights: Get on the plane more quickly with Zone 1 priority boarding.
Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
20% in-flight discount on Delta flights: A 20% discount, in the form of a statement credit, on eligible in-flight purchases, like food, beverages, movies, and audio headsets
No foreign transaction fee
Annual fee: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve American Express Card (Rates & Fees)
1X SkyMile per dollar for other eligible purchases
Introductory Bonus
50,000 Bonus Miles and 5,000 MQMs for spending $2,000 in the first 3 months; up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first 3 months
Perks: Annual Companion Certificate; Global Entry/TSA PreCheck credit; First checked bag free, Main Cabin 1 Priority boarding, and 20% in-flight discount on Delta flights; Delta Sky Club access for $39 per person; Status Boost
No foreign transaction fee
Annual fee: $250
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Platinum American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Eligible purchases made directly with Delta Air Lines
Restaurants
U.S. Supermarkets
1X SkyMile per dollar on other eligible purchases
Introductory Bonus
40,000 Bonus Miles for spending $1,000 in the first 3 months; up to $50 back in statement credits for eligible purchases at U.S. restaurants in the first 3 months
Perks: First checked bag free on Delta flights; Main Cabin 1 priority boarding; 20% back on in-flight purchases; $100 Delta flight credit for spending $10,000; ShopRunner membership
No foreign transaction fee
Annual fee: $0 introductory annual fee for the first year, then $99
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Gold American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
3X SkyMiles per dollar for eligible purchases made directly with Delta Air Lines
1.5X SkyMiles per dollar on other eligible purchases for the rest of the year after spending $150,000 in a calendar year
1X SkyMile per dollar on other eligible purchases
Introductory Bonus
60,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $4,000 in the first 3 months
Perks: Delta Sky Club an Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost; Global Entry/TSA PreCheck fee credit
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
1.5X SkyMiles per dollar for single eligible purchases of $5,000 or more, up to 50,000 miles per year
1X SkyMile per dollar for other eligible purchases
Introductory Bonus
Earn 60,000 bonus miles, 5,000 MQMs, and a $100 statement credit for spending $3,000 in the first 3 months
Perks: Annual Companion Certificate; First checked bag free, Main Cabin 1 Priority boarding, 20% in-flight discount on Delta flights; Global Entry/TSA PreCheck fee credit; Status Boost
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $250
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
50,000 bonus miles and a $50 statement credit for spending $2,000 in the first 3 months
Perks: First checked bag free, Main Cabin 1 priority boarding, 20% back on in-flight purchases on Delta flights; $100 Delta flight credit for spending $10,000 in a calendar year
Shopping and travel protections:Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Purchase Protection, Extended Warranty
No foreign transaction fee
Annual fee: $0 introductory annual fee for the first year, then $99
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Gold Business American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
5X miles per dollar spent on purchases from Frontier Airlines
3X miles per dollar spent at restaurants
40,000 bonus miles for spending $500 and paying the annual fee, both within the first 90 days; an additional 20,000 bonus miles for spending $2,000 within the first 6 months
No award redemption fee when you book an award ticket using your Frontier Airlines World Mastercard to pay the related taxes and fees, starting from $5.60 for a one-way ticket
$100 Frontier Airlines flight discount voucher after your account anniversary, after spending $2,500 on purchases in a given year
Use your Frontier Airlines Mastercard for at least one purchase every six months to keep your miles from expiring
0% intro APR for 15 billing cycles (for transfers completed within 45 days of account opening) on balance transfers, and then your rate will be 18.24%, 22.24% or 27.24% Variable
View your FICO® Score online – with no charge and no hidden fees
The Frontier Airlines World Mastercard (Review) is one of the less expensive cards on this list, but it offers miles at a relatively high rate and has a good signup bonus, too. Frontier miles usually aren’t valued very highly, however, typically coming in around 1 cent each.
Spending Rewards
5X miles per dollar spent on purchases from Frontier Airlines
3X miles per dollar at Restaurants
1X mile per dollar spent on all other purchases
Miles expire if you do not show activity in your Frontier Miles account once every 6 months
Introductory Bonus
40,000 bonus miles for spending $500 and paying the annual fee, both within the first 90 days; an additional 20,000 bonus miles for spending $2,000 within the first 6 months
Take note that your Frontier miles will expire unless there is some activity in your Frontier Miles account at least once every six months. Any purchase will qualify as account activity, so you can just buy a pack of gum to keep your miles active.
Limited Time Offer: 60,000 bonus miles for spending $2,000 in the first 90 days; 20,000 bonus miles for spending a total of $4,000 in the first 6 months
First checked bag free on eligible bags for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
One-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
Earn 3X miles on eligible Hawaiian Airlines purchases
Earn 2x miles on gas, dining and grocery store purchases
Earn 1X miles on all other purchases
No foreign transaction fees means you don’t pay additional transaction fees on international purchases
Receive an annual $100 companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary
Share Miles allows you to send and receive miles from family and friends through HawaiianAirlines.com, without a fee
$100 annual companion ticket discount: Each year you’ll get a $100 discount on a companion ticket for roundtrip travel between Hawaii and North America.
One-time 50% companion ticket discount: Eligible for roundtrip travel between Hawaii and North America
Free first checked bag on Hawaiian Airlines flights: For the primary cardholder only
Discounted award prices for Hawaiian Airlines flights
Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
7,500 anniversary points each year.
NEW! Earn 3X points on Southwest® purchases.
NEW! Earn 2X points on local transit and commuting, including rideshare.
NEW! Earn 2X points on internet, cable, phone services, and select streaming.
7,500 annual bonus points: You’ll receive 7,500 bonus points every year on your account anniversary.
$75 annual Southwest travel credit: An automatic statement credit every year for Southwest purchases, excluding upgraded boardings and in-flight purchases
Upgraded Boardings: Get four upgraded boardings per year (reimbursed as a statement credit at the end of the year).
Tier Qualifying Points: Every $10,000 spent earns 1,500 Tier Qualifying Points toward A-List status, up to $100,000 spent.
20% discount on in-flight purchases on Southwest flights: 20% off eligible in-flight purchases, like food, drinks, and WiFi
The information related to Southwest Rapid Rewards® Priority Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to United Club℠ Infinite Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
Maybe you don’t have a favorite airline, or you tend to take whatever flight will work best for you. If that’s the case, a general travel rewards card will probably be more useful than a co-branded airline card.
General travel cards can be used to earn points anywhere, no matter which airline you’re taking. And they provide points for other travel purchases as well, like hotels, car rentals, and taxis.
Airline and hotel transfer partners give you a way to move your points to your favorite loyalty programs, where they’ll often be worth more. So, if you’re planning a trip and you’ve got a bunch of points ready and waiting, you can transfer them to the airline you’re booking and look for a great redemption value.
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
$300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
$240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
Point transfer: To a selection of airline and hotel loyalty programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
10X miles per dollar for Hotels and Rental Cars booked through Capital One Travel
5X miles per dollar for Flights booked through Capital One Travel
2X miles per dollar for every other purchase
Introductory Bonus
100,000 bonus miles for spending $10,000 in the first 6 months; up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO
Perks: $300 annual Capital One Travel credit; 10,000 anniversary bonus miles; Capital One Lounge access; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; Mile transfer; Visa Infinite Concierge
Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services; Trip Cancellation and Interruption; Trip Delay Reimbursement; Travel Accident Insurance; Lost Luggage Reimbursement; Cellular Telephone Protection; Purchase Security; Extended Warranty Protection; Return Protection
5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
Construction material and hardware suppliers
Electronic goods retailers and software/cloud system providers
Shipping providers
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
120,000 bonus points for spending $15,000 within the first 3 months
Perks: Global Lounge Collection airport lounge access; Up to $200 in annual airline fee statement credits; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Up to $400 in annual Dell statement credits; Up to $360 in annual statement credits for Indeed; Up to $150 in annual statement credits for Adobe; Up to $120 in annual statement credits for monthly wireless services; The Hotel Collection; Fine Hotels & Resorts program; Point transfer
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Trip Cancellation and Interruption Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection, Return Protection
No foreign transaction fee
Annual fee: $595 ($695 if application is received on or after 1/13/2022)
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
How Much Is a Point or Mile Worth With Travel Cards?
The value of your points or miles depends on the particular card you have. In some cases your points will be worth 1 cent each, but many cards come with redemption options that can provide more (or less) value.
American Express Membership Rewards points, for example, typically give 0.6 to 1 cent per point for statement credits and certain travel expenses. But you can also transfer your points to loyalty programs from a wide variety of airline and hotel partners, where you could book travel that provides a higher value per point.
And then there are travel cards from Citi and Capital One. Depending on the card, you may see a value of 1 cent per point for normal redemptions. But you’ll also have some point transfer opportunities, although the options here may not be as robust as those from Amex and Chase.
Expert Q&A
Answer by: Linchi Kwok, Ph. D, Associate Professor, The Collins College of Hospitality Management, California State Polytechnic University Pomona
I pay more attention to the fees and perks than APR because I always pay off my credit card bills in full on time. I usually assess how likely I will use the perks. I will sign up for a credit card if I know the perks I will use are worth the fees.
Answer by: Linchi Kwok
It depends. If a person is a frequent traveler of one hotel chain or an airline, having a hotel- or airline-affiliated credit card will likely help the traveler reach a desirable elite status faster. Hotels and airlines usually take very good care of their top loyal customers, sometimes with free upgrades. A general travel credit card will probably make more sense for those who do not travel much, fly with different airlines, or stay in diverse chains or independent hotels.
Answer by: Linchi Kwok
Besides rewards, I like the perks that come with the travel credit card. The perks are worthy of the money if I can use them. On some occasions, using a hotel- or airline-affiliated credit card can also help travelers get more attention from the hotel or airline staff.
Answer by: Linchi Kwok
Besides the fees, perks, and APR, I recommend people read the terms carefully. Some terms, such as fees for late payments or cash advances, might mean more than others. People should carefully evaluate all terms and fine print before making a decision. I also suggest people compare different options because a hotel or airline might offer more than one brand-affiliated credit card with various levels of fees, perks, and elite status. There are also many options for general travel credit cards. It is critical to spend time finding the right credit card that fits a person’s travel and spending needs.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.
For rates and fees of the Hilton Honors American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.
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