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Best Travel Credit Cards of February 2023

Best Travel
Apply for the Best Travel Credit Card. On 08.02.2023 you have access to 11 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.

Offers: 11

Updated:
08.02.2023
11:24
BEST AIRLINE CREDIT CARD
American Express
Delta SkyMiles® Gold American Express Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

20.24 – 29.24 %
BEST PREMIUM TRAVEL CREDIT CARD
Chase
Chase Sapphire Reserve®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.24 – 28.24 %
Best No Annual Fee Travel Rewards Card
Wells Fargo
Bilt World Elite Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.74 – 28.74 %
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Best Mid-Tier Airline Card
Chase
United℠ Explorer Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.74 – 27.74 %
American Express
The Platinum Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.99 – 25.99 %
Best Travel Card for Delta Loyalists
American Express
Delta SkyMiles® Reserve American Express Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.24 – 29.24 %
Chase
United Quest Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
U.S. Bank
U.S. Bank Altitude® Reserve Visa Infinite® Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.24 – 28.24 %
Wells Fargo
Wells Fargo Autograph℠ Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.24 – 29.24 %
Bank of America
Bank of America® Travel Rewards®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.24 – 28.24 %

Credit card online application

Define the conditions and choose an appropriate bank card

Card limit
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500 $
15000 $
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Other credit cards offers

1. Fill out your application
1. Fill out your application

On our website you can fill out a short application form for a credit card.

2. Pass a credit check
2. Pass a credit check

We will offer you to check your credit score online for free.

3. Send your application online to the suggested companies
3. Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

4. Wait for a response from the lender
4. Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

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Wells Fargo
4.2
Liam H
Liam H
03.02.2023 at 13:05
The account has a high monthly fee, which quickly eats into my savings and makes it difficult to grow my balance...
Review
Wells Fargo
5
Ethan J
Ethan J
03.02.2023 at 12:55
I recently opened this card and I am extremely satisfied with my experience so far. The account provides a high interest rate, which is a great way to grow my savings...
Review
Arrowhead Advance
2.4
Noah J
Noah J
10.12.2022 at 10:15
I still have a not very pleasant feeling about this company. The company is not licensed, is not a legitimate lender. This suggests fraud. It is important for me that everything is legal and stable...
Review
Arrowhead Advance
2.8
Mason J
Mason J
04.12.2022 at 10:25
Arrowhead Advance gave me cash very quickly and simply.To be honest, I didn't expect it from a lender company. It is very convenient to use your account on the site...
Review
Arrowhead Advance
3.2
Olivia H
Olivia H
01.12.2022 at 06:07
My experience with getting a personal loan from this company was quite pleasant. The service was fast, no one asked about any collateral or my creditworthiness. Such things are always annoying...
Review
Spotloan
4.4
Noah J
Noah J
30.11.2022 at 20:45
Before taking out a loan, I compared Spotloan with other lenders and found out that their rates are the most acceptable. The mobile application works flawlessly. I quickly received approval...
Review
Best Travel Credit Cards of February 2023

With a suitable travel credit card, you can get rewards for your everyday spending and trip costs. Your card will determine how you can redeem points and miles for prizes. Typically, you can save the points you earn on a travel credit card for airfare, prepaid fine hotels booked, and even entire vacation packages.

What is a travel credit card?

The functionality of travel rewards credit cards is comparable to other rewards credit cards. You can earn rewards for specific types of eligible purchases with travel credit cards, just like other rewards cards. These awards are typically in the form of miles or points after you spend. It can help you earn rewards and discounts that you can then use to pay for travel purchases annually in the future. In some situations, they might even be able to get you free stays at your favorite hotels or free plane tickets.

These cards come with many perks and prizes that you can use to your advantage based on how much you spend. Some of these perks and benefits are free upgrades to first-class seats, access to private airport lounges, and free meals. You can use your travel bonus rewards to pay for items like flights, vacation packages, hotels, and car rentals. Some issuers' rules say that you may be able to trade in travel awards for statement credits and other options that don't have to do with travel.

How do travel credit cards work?

Depending on the credit card, some issuers will sign you up for a loyalty program with an airline or hotel and add miles or points to your account opening. In contrast, others will lead you to their own travel rewards purchasing platform. Some credit card companies have balance transfers partnerships with other businesses, such as airlines, hotels, and rental cars booked services, where you can use your accumulated points.

To move these points, you must often visit the issuer's website and be a primary card member. After transferring points, you can use the respective loyalty programs to make award reservations for hotel collection bookings and flights. More redemption options are available with these points. Gift cards, free trips, cash back, and account opening credits are all options in some loyalty programs, but they rarely provide the best value for your points.

Pros and cons of travel credit cards

Pros

  • Bonus points available for travel-related rewards
  • Incentives and conveniences for tourists
  • Get rewards from hotels and airlines
  • For some, compensation is negotiable
  • Online travel agency sites
  • Accredited users eligible for travel privileges
  • Offers of additional compensation at initial enrollment
  • Exceptional travel benefits that justify the annual fee.

Cons

  • Costly renewal charges
  • Difficult value maximization
  • Demanding minimum credit score conditions
  • Waste of money if you never leave the country
  • Point-value fluctuations
  • High Annual Percentage Rate (APR).

How to choose the best travel credit card?

The primary choice you'll have when shopping for a travel card is between a co-branded card and a generic travel card. If you frequently use the same hotel chain or airline, a co-branded credit card can help you save money. A generic travel card will provide you with far more freedom if this is the case. High rewards and a welcome bonus are both important goals to have. Rewards of 1.5% to 2% of your expenditure on travel are typical for a good credit card. More expensive annual fee credit cards often provide better rewards rates. Keep in mind the sign-up bonus. To qualify for this bonus, you must charge a specified amount to your card within a certain time frame (for example, make $2,000 of other purchases in the first 90 days after creating your account).

When comparing cards, it's important to consider not only the benefits they offer but also the ease with which you may cash them in. Avoid credit cards that offer you less than 1 cent in value for every point you spend.

If you want to retain your card for the long haul, the recurring rewards are more valuable than the sign-up bonus, look at the best credit card sign-up offers we have. Make sure you can afford the expenditures necessary to get the bonus before signing up. It's not worth it to put yourself in debt only to get a bonus. Get the necessary travel coverage and rewards, too. Choose a card that offers the benefits and security measures you consider essential. Assuming future international travel is in the cards for you, always have at least one generally accepted card on hand. If you have a primary credit card from American Express, you should still have a Visa or Mastercard on hand as a backup. A card that doesn't impose foreign transaction fees is also a must if you plan on doing any international traveling.

The best travel credit cards to get

  1. Capital One Venture Rewards Credit Card. For those with great credit and who are ready to pay a yearly fee, the Capital One Venture Benefits Credit Card offers substantial mile rewards and lower service fees. When using Capital One Travel to make hotel credit and auto rental reservations, cardholders will earn 5x membership rewards points, which is 5 miles per dollar spent, while all other purchases will receive 2 miles, limitless.

    Besides gas, you may rack up double miles per dollar on all other expenditures. You can receive up to a $100 credit toward Global Entry or TSA PreCheck and eligible purchases unlimited complimentary access for your two friends to 1,400+ lounges, including Capital One Lounges and its partner lounge network. Capital One Rewards are as easy to redeem as they are to earn, but you'll get Capital One's best prices by putting them toward a trip. You can do this by booking a trip directly through Capital One's secure site, transferring points to travel partners, or using your points as a statement credit toward a future trip.

  2. Bank of America® Travel Rewards credit card. If you frequently travel but can't bring yourself to pay a credit card's high annual fee, the Bank of America® Travel credit card is a great solution. Cardholders can receive 1.5 points for every dollar spent, no matter how much they spend. As long as the account is accessible, you can continue to accrue rewards, albeit certain redemption choices may have a time limit. You can use your points as payment for hotel stays or meals.

    This card is great for international travel because there are no additional costs, such as a yearly fee or percentage added to purchases made abroad. Upon account opening, you will be awarded 25,000 bonus points after you spend $1,000 or more on travel during the first three months. In case you use your Platinum Card® to pay for the Equinox+ digital fitness app or for eligible Equinox club memberships, you could be entitled to a monthly Equinox credit of up to $25.

  3. Chase Sapphire Reserve®. Even with its $550 annual fee, the Chase Sapphire Reserve® is a terrific credit card for frequent fliers. Among the finest premium travel cards, this one stands out with perks, including a yearly travel credit of $300 and extra credits that can be transferred to numerous loyalty programs at a 1:1 ratio.

    Unfortunately, the best points rate on this card requires you to shop exclusively through the Chase Ultimate Rewards® platform. Even though the card provides exceptional value for people who frequently use it for travel and eating expenses, travel purchased through Chase may not be the best option for you if you don't regularly use its more specialized features. But when you spend $4,000 on purchases in the first three months from account opening, you'll receive 60,000 bonus points. Collect points per 1 spent on anything else. Advantage of $80,000 in Annual Hotel Savings Benefit.

  4. Wells Fargo Autograph℠ Card. You should sign up for the Wells Fargo Autograph℠ Card if you're looking for a travel credit card with great benefits but don't want to pay foreign transaction fees. The card, which has no annual fee, is marketed largely as a travel credit card due to its generous rewards structure (three points per dollar spent on travel). The other bonus-reward sections, though, are just as practical for regular travel purchases. You can get three points for every dollar spent on things like food and petrol, public transportation, online video, and cellphone service. If you open an Autograph credit card account and charge $1,500 to it during the first three months from account opening, you'll receive 30,000 bonus points worth $300.

    The Wells Fargo Autograph Card, while offering a pleasant introductory 0% APR on purchases for the first 12 months from account activation (17.99, 22.99, or 27.99% variable APR thereafter), is a bit lacking even for a no-annual-fee rewards card. American Express's Blue Cash Everyday® Card, for instance, charges no annual fee and has a 0% initial APR on both purchases and balance transfers for the first 15 months from account opening.

How to apply for a travel credit card?

If you want to apply for a travel credit card, you should be aware that card issuers will typically need you to have high credit or excellent credit before they would consider your application (scores above 670). It is imperative that you verify your credit score before applying for a travel card because of this reason.

After you have determined your credit score and checked to see if you are prequalified for a travel credit card, select the card that best suits your requirements and submit an application. Even though it's true that establishing and canceling a large number of credit cards all at once can have a negative impact on your credit score, making applications for a few credit cards over the course of a period of time won't have that same effect. Your credit score will take a temporary hit whenever there is an inquiry into any of your credit accounts, whether it be for a credit card, a home loan, or a car loan. It's just the way the system is designed to work. However, there won't be any long-term damage to your credit if you spread out your applications and make sure to pay all of your payments on time each month.

FAQ

What is the best credit card for travel rewards?

The Capital One Venture Credit Card comes out on top of the list of the best travel credit cards overall, in part because of the card's adaptability. You will be able to earn an infinite number of miles per dollar, and you will be able to redeem those miles for statement credits that can be applied toward a variety of travel expenses, such as airline and lodging.

What is the best credit card for international travel?

The Chase Sapphire Preferred® Card, with its versatile points and excellent travel perks, is the best universal travel credit card for most consumers. The Chase Sapphire Preferred Card is a credit card that offers a variety of perks to cardholders in exchange for annual fee. Chase offers 25% bonus points for trips booked through the company, and points can be transferred to a dozen other airlines and fine prepaid hotels. Not only is the sign-up incentive excellent, but so is the overall offer.

What is the best credit card to use while traveling?

The Capital One Venture x Rewards Credit Card is not just the top pick for a travel rewards credit card but also one of the best cards available, period. The annual fee may be justified by the many perks, ease of earning and redeeming points, and the applicable local sales tax benefits of using the card. The Chase Sapphire Preferred Card is a good option for those who want to earn Ultimate Rewards points and using the card's travel insurance benefits without paying a hefty annual fee. However, the Chase Sapphire Reserve is better for people with substantial travel or dining expenses wishing to make their airport experience more comfortable with unlimited lounge complimentary access.

Is it worth getting a travel card?

It all depends on how often you travel if you can afford to charge the minimum amount needed to get rewards, if you earn enough rewards to cover any annual baggage fees, and if you can pay off the card balance every month. If you frequently travel, getting a credit card that offers travel rewards could be worthwhile for you.