journey bank card will help you save on flights and lodge stays, improve your journey expertise, and even present insurance coverage protection if one thing goes flawed. With so many journey bank cards in the marketplace, you’ve received loads of choices to match your spending habits and funds.
Sometimes, the upper the annual price, the extra perks you get, like lounge entry and assertion credit. Nonetheless, in case you can’t splurge on a journey bank card, there are many reasonably priced journey bank cards that provide beneficiant welcome presents, excessive rewards charges, and various kinds of journey insurance coverage and protections.
We’ve got analyzed over 50 journey bank cards by elements just like the welcome bonus, annual price, and miles or factors charges to find out which ten playing cards are the most effective.
See our full methodology right here.
The ten finest journey bank cards
- Finest premium journey card: The Platinum Card® from American Specific
- Finest flat-rate rewards journey card: Capital One Enterprise Rewards Credit score Card
- Finest journey card for credit score constructing: Financial institution of America® Journey Rewards Secured Credit score Card
- Finest journey card for foodies: American Specific® Gold Card
- Finest journey card for incomes on journey and transport: Citi Premier® Card
- Finest starter journey card: Chase Sapphire Most well-liked® Card
- Finest $0 annual journey card: Wells Fargo Autograph℠ Card
- Finest 0% intro APR journey card: Financial institution of America® Journey Rewards Credit score Card
- Finest journey card for airline loyalists: United℠ Explorer Card
- Finest journey card for lodge loyalists: Marriott Bonvoy Boundless® Credit score Card
The ten finest journey bank cards in November 2023
Be aware: Charges, charges, and account necessities are updated as of November 8, 2023, however are topic to vary.
Finest premium journey card: The Platinum Card® from American Specific
| Key numbers | |
| Annual price | $695 |
| Rewards | 5x Membership Rewards® Factors for flights booked instantly with airways or with American Specific Journey (as much as $500,000 on these purchases per calendar 12 months); 5x Membership Rewards® Factors on pay as you go accommodations booked with American Specific Journey; 1x factors on different purchases |
| Welcome supply | 80,000 Membership Rewards® Factors after spending $8,000 on purchases on the Card in your first 6 months of card membership |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 20.99%–28.99% variable |
To view charges and charges of The Platinum Card® from American Specific, see this web page.
Why we like this card
With the Platinum Card® from American Specific, cardholders pay a steep $695 annual price in alternate for a bunch of assertion credit totaling almost $1,500, lounge entry, a hefty welcome supply, and plenty of kinds of journey protections and insurance coverage.
Regardless of the flashy perks and advantages, the Amex Platinum is finest for cardholders whose spending habits align with the cardboard’s assertion credit. So in case you’re a daily at Equinox gymnasium or a frequent Saks Fifth buyer, this card will help cowl bills like your gymnasium membership, division retailer purchases, streaming providers, and extra.
Past assertion credit, the cardboard presents International Lounge Assortment entry so cardholders can go to Delta Sky Membership, Centurion Community, and Precedence Cross Choose lounges. Nonetheless, if you’d like beneficiant rewards in your common spending, suppose once more.
Cardholders solely earn 5x Membership Rewards® Factors for flights booked instantly with airways or with American Specific Journey (as much as $500,000 on these purchases per calendar 12 months), 5x Membership Rewards® Factors on pay as you go accommodations booked with American Specific Journey, and 1x factors on different purchases. In different phrases, cardholders earn 1x factors on most spending.
Actually, quite a few playing cards on our listing supply higher rewards charges with decrease annual charges and fewer frills, too.
Card particulars
- Money advance APR: 29.99% variable
- Penalty APR: as much as 29.99%
- Penalty charges: as much as $40 for late and returned funds
- Overseas transaction price: None
- Advantages: Lounge entry, as much as $200 Uber Money, as much as $200 airline price assertion credit score, as much as $200 lodge assertion credit score, as much as $189 CLEAR Plus assertion credit score, as much as $240 digital leisure assertion credit score, as much as $300 Equinox assertion credit score, as much as $155 Walmart+ assertion credit score (topic to auto-renewal), premium automobile rental standing
- Protections and insurance coverage: Automotive rental loss and harm insurance coverage, journey delay insurance coverage, journey cancellation and interruption insurance coverage, cellular phone safety
Finest flat-rate rewards journey card: Capital One Enterprise Rewards Credit score Card
| Key numbers | |
| Annual price | $95 |
| Rewards | 5x miles on accommodations and rental vehicles booked via Capital One Journey, 2x miles on each buy |
| Welcome bonus | 75,000 miles after spending $4,000 on purchases inside 3 months from account opening |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 21.24%–29.24% variable |
Why we like this card
If you happen to’re out there for an reasonably priced journey bank card with numerous redemption choices, a sizeable welcome bonus, a handful of helpful journey protections, and a good rewards fee, look no additional than the Capital One Enterprise Rewards card.
This $95 annual price card presents a flat 2x miles on each buy, plus a press release credit score for International Entry or TSA PreCheck®. Whenever you join the cardboard, you even have the potential to earn a big welcome bonus: You’ll be able to earn 75,000 miles after spending $4,000 on purchases inside 3 months from account opening.
When you’re able to redeem your miles, you’ll be able to switch them to a journey accomplice, e book a visit via Capital One Journey, purchase reward playing cards, pay for purchases on PayPal or Amazon, or earn cashback within the type of a press release credit score or examine.
Card particulars
- Money advance APR: 29.24% variable
- Overseas transaction price: None
- Late cost: as much as $40
- Advantages: International Entry or TSA PreCheck® credit score, Auto Rental Collision Harm Waiver, Journey Accident Insurance coverage, two complimentary visits per 12 months to Capital One or Plaza Premium lounges
Finest journey card for credit score constructing: Financial institution of America® Journey Rewards Secured Card
| Key numbers | |
| Annual price | $0 |
| Rewards | 1.5x factors on all eligible purchases |
| Welcome bonus | N/A |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 28.24% variable |
Why we like this card
Most journey bank cards require a great credit score rating or higher to be eligible. However when you have lower than stellar credit score, you’ll be able to earn rewards in your spending and construct your credit score rating with the Financial institution of America Journey Rewards Secured Card.
With a secured card, you should put down a safety deposit, which acts as collateral in case you fail to make funds. Then, in case you make funds on time and in full, you’ll be eligible to obtain your safety deposit again.
The safety deposit additionally determines your credit score restrict—in case you put down $2,000, you’ll obtain a $2,000 credit score restrict. To open a card, you’ll want a minimal safety deposit of $200 (the utmost is $5,000).
Relating to rewards, you gained’t be raking it in, however you’ll nonetheless be scoring a modest rewards fee: Cardholders earn 1.5 factors for each $1 they spend on all purchases.
And since it is a secured card, don’t count on a lot when it comes to perks or advantages—the cardboard doesn’t supply a welcome bonus, a 0% intro APR interval, or any sort of journey insurance coverage or protections.
Card particulars
- Stability switch APR: 28.24% variable
- Money advance APR: 29.24% variable for direct deposit and examine and financial institution money advances
- Penalty APR: as much as 29.99% variable
- Overseas transaction price: None
- Late cost: as much as $40
Finest journey card for foodies: American Specific® Gold Card
| Key numbers | |
| Annual price | $250 |
| Rewards | 4x Membership Rewards® Factors at eating places (together with takeout and supply within the U.S.); 4x Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1x); 3x Membership Rewards® factors on flights booked instantly with airways or on amextravel.com; 1x factors on different eligible purchases |
| Welcome supply | 60,000 Membership Rewards® factors after you spend $6,000 on eligible purchases along with your new Card throughout the first 6 months of Card Membership |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | See Pay Over Time APR |
To view charges and charges of the American Specific® Gold Card, see this web page.
Why we like this card
With the Gold Card® from American Specific, you get eating perks and earn rewards on (nearly) all your food-related spending, whether or not it’s on grocery runs or outings at eating places.
Cardholders earn 4x Membership Rewards® Factors at eating places (together with takeout and supply within the U.S.), 4x Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1x), 3x Membership Rewards® factors on flights booked instantly with airways or on amextravel.com, and 1x factors on different eligible purchases.
And the Amex Gold Card isn’t only a good card choice for foodies due to the rewards. Cardholders additionally rise up to $120 eating credit score and as much as $120 Uber Money, which can be utilized to cowl Uber Eats orders or Uber rides within the U.S. You need to use the eating credit score for purchases at Grubhub, The Cheesecake Manufacturing facility, Goldbelly, Wine.com, Milk Bar, and choose Shake Shack areas.
Whereas the cardboard supplies beneficiant rewards and perks, it comes at a value—the annual price is $250, so it’s finest for cardholders who suppose the advantages will outweigh the fee.
Card particulars
- Money advance APR: 29.99%
- Penalty APR: as much as 29.99%
- Overseas transaction price: 0%
- Penalty charges: as much as $40 for late and returned funds
- Client advantages: as much as $120 eating credit score, as much as $120 Uber Money, baggage insurance coverage plan, automobile rental loss and harm insurance coverage
Finest journey card for incomes on journey and transport: Citi Premier® Card
| Key numbers | |
| Annual price | $95 |
| Rewards | 3x factors on eating places, supermarkets, fuel stations, air journey, and accommodations; 1x factors on all different purchases |
| Welcome bonus | 60,000 bonus factors after spending $4,000 within the first 3 months of account opening |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 21.24%–29.24% variable |
Why we like this card
Whereas individuals use the rewards they earn from journey bank cards to e book flights, lodge stays, cruises, and extra, some journey bank cards additionally supply cardholders the power to earn additional rewards on their travel-related spending.
With the Citi Premier Card, cardholders earn 3x factors on eating places, supermarkets, fuel stations, air journey, and accommodations, plus 1x factors on all different purchases. The annual price can be an inexpensive $95, so it’s accessible to cardholders who won’t wish to splurge on a journey card.
And in case you’re planning to e book any lodge stays, you’ll get a $100 annual lodge financial savings profit. With the profit, you’ll get $100 off a single lodge keep of $500 or extra each calendar 12 months. Whenever you’re able to redeem your factors, there are a selection of how you should use your ThankYou® factors.
You’ll be able to redeem your factors for journey by transferring them to certainly one of Citi’s airline or lodge companions or reserving a visit via Citi Journey. You can too use factors to buy at choose retailers, purchase reward playing cards or earn money rewards.
Card particulars
- Stability switch APR: 21.24%–29.24% variable (for steadiness transfers accomplished inside 2 months from date of account opening)
- Money advance APR: 29.99% variable
- Penalty APR: as much as 29.99%
- Overseas transaction price: None
- Penalty charges: as much as $41 for late and returned funds
- Advantages: $100 annual lodge financial savings profit
Finest starter journey card: Chase Sapphire Most well-liked® Card
| Key numbers | |
| Annual price | $95 |
| Rewards | 5x factors on journey bought via Chase Final Rewards®; 3x factors on eating; 2x factors on journey purchases; 1x factors on different purchases |
| Welcome bonus | 60,000 bonus factors after spending $4,000 on purchases within the first 3 months from account opening |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 21.49%–28.49% variable |
Why we like this card
Relating to journey bank cards, the Chase Sapphire Most well-liked is a favourite amongst bank card fans due to its modest annual price, stable welcome bonus, rewards flexibility, and first rate rewards charges.
One of many main upsides of the Chase Sapphire Most well-liked is that cardholders get extra bang for his or her buck once they redeem factors for accommodations, airfare, and extra via the Chase Journey portal. When reserving via the journey portal, every level is price 1.25 cents. Meaning you’ll be able to earn extra with the welcome bonus, which is 60,000 bonus factors after spending $4,000 on purchases within the first 3 months from account opening (that is $750 towards journey when redeemed via Chase Final Rewards®).
Plus, if you’d like much more journey redemption choices, you’ll be able to switch your factors to certainly one of Chase’s airline or lodge companions. You can too use your factors to purchase merchandise, reward playing cards or purchases at Amazon and PayPal, however the redemption worth could also be decrease than in case you used your factors to purchase journey.
And whereas the Sapphire Most well-liked rewards charges don’t get as a lot consideration because the rewards redemption choices, cardholders nonetheless earn a excessive rewards fee on Lyft (via March 31, 2025), eating out and takeout, and streaming providers.
Card particulars
- Stability switch APR: 21.49%–28.49% variable
- Money advance APR: 29.99% variable
- Penalty APR: as much as 29.99%
- Overseas transaction price: None
- Penalty charges: as much as $40 for late and returned funds
- Advantages: $50 annual final rewards lodge credit score, journey cancellation or interruption insurance coverage, baggage delay insurance coverage, journey delay reimbursement, DashPass subscription for one 12 months whenever you activate by 12/31/24, Instacart+ subscription for six months whenever you activate by July 31, 2024
Finest $0 annual journey card: Wells Fargo Autograph℠ Card
| Key numbers | |
| Annual price | $0 |
| Rewards | 3x factors on purchases at eating places, on journey, fuel, transit, standard streaming providers, and telephone plans; 1x factors on all different eligible purchases |
| Welcome bonus | 30,000 bonus factors after spending $1,500 in purchases within the first three months |
| Intro APR on purchases and steadiness transfers | 0% intro APR on purchases for 12 months from account opening (after that, the variable APR shall be 20.24%, 25.24% or 29.99%) |
| APR | 20.24%–29.99% variable |
Why we like this card
In order for you a journey bank card however don’t wish to pay an exorbitant annual price, contemplate the Wells Fargo Autograph Card. With this $0 annual price card, you’ll be able to earn rewards on every thing from eating places to transportation.
Autograph cardholders earn 3x factors on journey, fuel, transit, standard streaming providers, telephone plans, and at eating places, and 1x factors on all different eligible purchases. So if you wish to earn rewards in your every day subway commute or your Hulu subscription, you’ll be able to.
This card presents stellar rewards and a few stable perks: You’ll be able to rating a modest welcome bonus and get advantages like telephone safety, which supplies as much as $600 of reimbursement in case your telephone is broken or stolen.
Plus, in case you’re planning to finance a big-ticket merchandise and want an extended interval to pay it off (with out curiosity), the Autograph is usually a stable card choice as a result of it presents a 12-month 0% intro APR interval on purchases (20.24%, 25.24% or 29.99% variable APR thereafter).
Card particulars
- Stability switch APR: 20.24%–29.99% variable, plus an intro price of both $5 or 3% of the quantity of every steadiness switch, whichever is bigger, for 120 days from account opening. After that, as much as 5% for every steadiness switch, with a minimal of $5.
- Money advance APR: 29.99% variable
- Penalty price: as much as $40
- Overseas transaction price: None
- Client advantages: telephone safety, auto rental collision harm waiver
Finest 0% intro APR journey card: Financial institution of America® Journey Rewards Credit score Card
| Key numbers | |
| Annual price | $0 |
| Rewards | 1.5x factors on all purchases |
| Welcome bonus | 25,000 bonus factors after spending $1,000 in purchases inside 90 days of the account open date |
| Intro APR on purchases and steadiness transfers | 0% intro APR on your first 15 billing cycles for purchases and for steadiness transfers which can be made throughout the first 60 days of opening your account. After that, 18.24%–28.24% variable APR |
| APR | 18.24%–28.24% variable |
Why we like this card
The Financial institution of America® Journey Rewards bank card is a no-frills journey bank card for many who need a $0 annual price card with an extended intro APR interval on purchases and steadiness transfers.
Whether or not you want time to repay a giant buy otherwise you’re attempting to consolidate your bank card debt, Financial institution of America Journey Rewards cardholders get a 0% intro APR on their first 15 billing cycles on purchases and steadiness transfers (these should be made throughout the first 60 days of opening your account). After that, 18.24% to twenty-eight.24% variable APR.
Since it is a no-annual-fee card, you gained’t get a variety of perks or protections. You’ll, nevertheless, get a good rewards fee, 1.5 factors on eligible purchases, and a stable welcome bonus—cardholders can earn 25,000 bonus factors by making $1,000 of purchases inside 90 days of account opening.
Card particulars
- Stability switch APR: 18.24%–28.24% variable, plus a price of three% of the quantity of every transaction
- Money advance APR: 21.24%–29.24% variable
- Penalty APR: 29.99% variable
- Overseas transaction price: None
- Penalty price: as much as $40 for late funds
Finest journey card for airline loyalists: United℠ Explorer Card
| Key numbers | |
| Annual price | $0 introductory annual price for the primary 12 months (then $95) |
| Rewards | 2x miles on eating (together with eligible supply providers), lodge stays, and United® purchases, and 2x miles on eating (together with eligible supply providers) |
| Welcome bonus | 60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 21.99%–28.99% variable |
Why we like this card
If you happen to continuously fly with United, the United Explorer Card is a low-cost card choice that provides precious perks and advantages that may show you how to reduce down on airline bills.
The Explorer Card has a $95 annual price, however cardholders get their cash’s price. You and a companion can get the primary checked bag without cost (as much as $35, every method, per individual) on United Flights, United precedence boarding, and a press release credit score for International Entry, TSA PreCheck® or NEXUS each 4 years.
Although the rewards charges aren’t exceptional, you do earn a better miles fee on United purchases.
Cardholders earn 2x miles on eating (together with eligible supply providers), lodge stays, and United® purchases, and 2x miles on eating (together with eligible supply providers).
And if something goes awry whenever you’re touring, Explorer cardholders can have peace of thoughts realizing they’re lined by a number of kinds of journey insurance coverage. So in case your journey is delayed or the service loses your baggage, you could possibly be eligible for reimbursement.
Card particulars
- Stability switch APR: 21.99%–28.99% variable
- Money advance APR: 29.99% variable
- Penalty APR: as much as 29.99% variable
- Overseas transaction price: None
- Penalty charges: late and returned funds as much as $40
- Advantages: free first checked bag (for you and a companion, as much as $35 worth, every method, per individual); precedence boarding; International Entry, TSA PreCheck® or NEXUS price credit score; 2 United Membership one-time lounge passes (after account opening and every anniversary); choice for premier upgrades, one-year complimentary DashPass (should be activated by 12/31/24)
- Insurance coverage and protections: auto rental collision harm waiver, journey delay reimbursement, baggage delay insurance coverage, misplaced baggage reimbursement, journey cancellation/interruption insurance coverage
Finest journey card for lodge loyalists: Marriott Bonvoy Boundless® bank card
| Key numbers | |
| Annual price | $95 |
| Rewards | As much as 17x complete factors at accommodations collaborating in Marriott Bonvoy®, 3x factors at grocery shops, fuel stations, and eating (on as much as $6,000 in mixed purchases annually), 2x factors on all different purchases |
| Welcome bonus | 3 Free Night time Awards (every night time valued as much as 50,000 factors) after you spend $3,000 on purchases in your first three months out of your account opening |
| Intro APR on purchases and steadiness transfers | N/A |
| APR | 21.49%–28.49% variable |
Why we like this card
Marriott has areas throughout the globe, so in case you’re a frequent customer of any of their accommodations—like The Ritz Carlton or Sheraton—the Marriott Bonvoy Boundless might show you how to profit from your lodge stays.
The Bonvoy Boundless is a $95 annual price card with a novel but beneficiant welcome bonus, lavish rewards, and a plethora of Marriott-specific and basic journey perks and protections. We analyzed greater than ten lodge bank cards, and the Bonvoy Boundless had among the best welcome presents.
You’ll be able to earn three free night time awards (every night time valued as much as 50,000 factors) after you spend $3,000 on purchases within the first three months from account opening. And also you’re additionally eligible for a free night time each anniversary 12 months—no spending required.
In fact, essentially the most precious perks of the cardboard are computerized Silver Elite standing. With Silver Elite standing, cardholders get precedence late checkout, additional factors on their Marriott stays, free wifi, and extra. Plus, if you wish to obtain Gold Elite standing, you’ll get an preliminary increase of 15 elite night time credit with the cardboard. Then, you’ll solely want 25 complete credit to earn Gold Elite standing.
Card particulars
- Stability switch APR: 21.49%–28.49% variable
- Money advance APR: 29.99% variable
- Penalty APR: as much as 29.99% variable
- Overseas transaction price: None
- Penalty charges: as much as $40 for late and returned funds
- Advantages: free night time award each anniversary, 15 elite night time credit yearly, computerized silver elite advantages yearly, path to gold standing (whenever you spend $35,000 on purchases every calendar 12 months)
- Insurance coverage and protections: baggage delay insurance coverage, misplaced baggage reimbursement, journey delay reimbursement
Our methodology
The Fortune RecommendsTM staff analyzed greater than 50 journey bank cards throughout varied issuers to give you the highest picks.
Listed below are the important thing parts we ranked every card by:
- Annual price: Some card issuers require cardholders to pay an annual price for playing cards with rewards and additional options or advantages. For many of our rankings, we rated playing cards with decrease or zero-dollar annual charges increased.
- Annual proportion fee (APR) on purchases: The APR for a bank card is the yearly price of borrowing cash out of your card issuer. The APR is usually represented as a variety with creditworthy prospects charged a fee nearer to the minimal APR. We scored playing cards with decrease minimal and most APRs extra favorably.
- Rewards: Journey playing cards usually present rewards within the type of factors or miles. For some rankings, we rated playing cards with higher rewards charges increased on our listing.
- Insurance coverage and protections: Whenever you use your card to make purchases, you might be eligible for various kinds of protections on these purchases. Some playing cards supply insurance coverage on travel-related bills, like journey cancellation insurance coverage, baggage delay insurance coverage, journey delay reimbursement, and extra. Some playing cards additionally present non-travel-related reimbursements like cellular phone safety. For some rankings, we rated playing cards increased primarily based on the variety of protections they supplied.
- Welcome bonus: Whenever you join a brand new bank card, you might be eligible for a one-time welcome bonus within the type of factors or miles. You’ll have to spend a specific amount inside a couple of months of card opening to earn the bonus. We ranked playing cards with increased bonuses and decrease spending necessities increased on our listing.
- Perks: Journey bank cards could supply a wide range of perks—like assertion credit for TSA PreCheck, airport lounge entry, a free checked bag, and extra. We rated playing cards with extra perks increased for a few of our rankings.
- Overseas transaction charges: Some playing cards cost a flat fee on purchases whenever you use your card overseas. We rated playing cards with no international transaction charges increased.
- 0% introductory APR on purchases or steadiness transfers: A 0% intro APR bank card on purchases will help you revolve your steadiness with out curiosity accruing for a time frame. Some playing cards additionally present a 0% intro APR interval on steadiness transfers, so that you gained’t need to pay curiosity in your steadiness in case you switch debt from one other card. Relying on the cardboard class, we rated playing cards primarily based on whether or not they had a 0% intro APR interval on purchases or steadiness transfers and the size of the APR interval
Please word that card particulars are correct as of the publish date, however are topic to vary at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.
Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to be taught extra.
Eligibility and Profit stage varies by Card. Phrases, Circumstances, and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.