Last updated: September 5, 2024 at 07:31 PM
Best Travel Cards Summary
No Annual Fee Options
- Wells Fargo Autograph Visa
- 3% cash back on travel, dining, gas, transit, restaurants, cell phone protection, and rental insurance.
- VentureOne
- Offers 20,000 Bonus Miles.
- Chase Freedom
- 1.5% cash back, widely accepted, no annual or foreign transaction fees.
Cards with Annual Fees
- Chase Sapphire Preferred (CSP)
- Suitable for occasional domestic flights, 2X points on travel and dining.
- Chase Sapphire Reserve (CSR)
- Offers $300 annual travel credit, Priority Pass, 3X on travel and dining.
- Capitol One Venture X
- $395 annual fee, $300 travel credit, high sign-up bonus, 2X points on all purchases.
- US Bank Altitude Reserve
- Offers 3X back on mobile wallet and travel, 1.5 cents per point for travel, 8 Priority Pass lounge visits.
- American Express Platinum
- Various benefits but high annual fee, 5X on flights, Centurion Lounge access.
- [Various hotel and airline cards]
- Good for specific loyalty to a brand, may offer annual free nights, priority boarding, and other perks.
Important Considerations
- Annual fees are common for premium travel cards with valuable perks.
- Downgrading to a no AF card after reaping the benefits for a year is an option.
- Research transfer partners, earning rates, additional perks, and consider personal travel habits.
- Be mindful of opportunity costs and ensure the benefits outweigh the costs for each card.
Additional Insights
- Some cards may offer lower-tier benefits for free travel, but premium cards usually provide higher rewards and perks.
- Different cards cater to specific spending patterns, loyalty to airlines/hotels, and travel preferences.
- Choosing a travel card can depend on individual circumstances including travel frequency, preferences, and financial goals.