Credit Cards » Compare Credit Cards » Best Travel Rewards Credit Cards
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Best Travel Rewards Credit Cards

From decent travel rewards with no annual fee, to the most luxury cards offering travel credit, premium benefits and lounge access.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Reward cards are nothing new, as they have been around for years. Essentially, travel credit cards have rewards and benefits geared towards travel purchases. This means that you typically earn the highest level of rewards when you purchase flights, accommodation, or other travel purchases.

You can also enjoy travel themed perks, such as lounge access, free checked bags, and other benefits that enhance your travel experience.

There are general travel credit cards that provide rewards for broad categories of travel and others are brand specific to particular airlines or hotel chains.

In some cases, you can also earn rewards for non travel purchases, but these are usually at a lower tier level.

Card
Rewards
Bonus
Annual Fee

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95
Review

Amex gold

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
Review

TD First Class Visa Signature Credit Card Review

1X – 3X 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases
25,000 miles 25,000 miles on $3,000 spent in first 6 cycles
$89 (waived first year)
Review

Venture X Rewards

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
$395
Review

World of Hyatt

1X – 4X 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay 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.
$95
Review

1X – 2X 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases
10,000 miles 10,000 miles and $50 statement credit if you spend $500 in first 3 months
$0
Review

1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$550
Review

amex platinum

1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
Review

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.24%–28.24% variable APR

The Chase Sapphire Preferred® Card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards. The card offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

This card is on our top spot in regards to the best traveling and dining cards as they offer you more points compared to other cards – 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases. .

  • Rewards Plan: 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
  • APR: 21.24%–28.24% variable APR
  • Annual fee: $95
  • Balance Transfer Fee: 5% or $5, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: N/A
  • Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • No Introductory 0% 
  • Balance Transfer Fee – 5% or $5, whichever is greater
  • Does the travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does card Chase Sapphire Preferred offer pre-approval? Yes, you are able to pre-qualify for this card.
  • What is the initial credit limit? The minimum credit limit that you can get with this card type is usually $5,000.
  • How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, statement credit, and gift cards.
  • What purchases don't earn cash back? All purchases will earn cashback through this card.
  • Should You Move to Chase Sapphire Preferred card?  If you travel frequently and do not want to pay a large annual fee.
  • Why did the Chase deny me? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  •  How hard is it to get a Chase Sapphire Preferred card? If you meet all of the requirements, then it is relatively straightforward to get a Chase Sapphire Preferred card. The requirements are easier compared to Chase Sapphire Reserve card.
  • Is there a limit to rewards/cash back on the Chase Sapphire Preferred card? No limit
  • Can I get car rental insurance with a Chase Sapphire Preferred card? how? Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.
Sapphire Preferred overview on Chase app
Sapphire Preferred overview on Chase app (Screenshot taken by our team from Chase app)

American Express® Gold Card

Reward details

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases

Current Offer

60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$250

0% Intro

N/A

APR

21.24% – 29.24% Variable

The American Express® Gold Card is a credit account that offers a myriad of benefits to clients. First-timers stand a chance to earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. In terms of rewards, you can earn 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases.  

Other premium benefits include a dedicated service team, up to $120 in Uber Cash (enrollment required), preferred seating at sporting and cultural events, signature perks at upscale hotels, fraud Protection, and baggage insurance for up to $500 for checked baggage and $1,250 for carry on*.  If you're a freuqent traveler, check out the comparison between Amex gold to platinum to understand which is better for you. 

  • APR: 21.24% – 29.24% Variable
  • Annual fee: $250
  • Balance Transfer Fee: N/a
  • Foreign Transaction Fee: None
  • Rewards Plan: 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
  • Welcome bonus: 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
  • 0% APR Introductory Rate: N/A
  • Welcome Bonus + Premium Point Rewards Rate
  • No Foreign Transaction Fees
  • Special Gold Status Perks
  • $250 Annual Fee
  • High Requirements
  • Is there a limit to rewards? There is a cap on getting the premium rate of cashback on certain types of purchases.
  • Can I get car rental insurance with Amex Gold CardYes, you will get it automatically once you decline the car insurance from the rental company and you pay the full rental charge using this card.
  • What are Amex Gold Card income requirements? There is no out and out income requirement outlined by Amex when it comes to the Gold card.
  • Does card Amex Gold points expire? They do not have an expiration date.
  •  How do I redeem cash back on Amex? There is a points-based system. You can redeem the points for a variety of rewards that are showcased on the Amex website. These include statement credit, gift cards, paying for certain services etc.
  • What purchases don't earn rewards? The minimum rate is 1 point for every $1 spent.
  • Should You Move to Amex Gold CardIf you need a versatile card that covers a wide range of purchases, with a main focus on travel-related purchases and perks.
  •  Why did Amex deny me?  You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.
  • How to maximize rewards on Amex Gold Card? Use it for a versatile range of purchases, make sure you are aware of the different perks and credit that you get with this card.
  • Top Reasons NOT to get the  Gold Card? If you do not travel a lot.
  • Can I get pre-approvedYes, you can get pre-approval.
  •  What is the initial credit limit? The credit limit will usually be at least $5,000.
Amex membership find hotels
Redeem Amex gold points for travel (Screenshot taken by our team from American Express app)

TD First Class Visa Signature

TD First Class Visa Signature Credit Card Review

TD First Class Visa Signature

Reward Details

1X – 3X 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases

Current Offer

25,000 miles 25,000 miles on $3,000 spent in first 6 cycles

Credit Rating

Good – Excellent

Annual Fee

$89 (waived first year)

0% Intro

12 billing cycles on balance transfers

APR

18.49% variable

With a TD First Class Visa Signature Credit Card, you'll have access to exclusive events, a free 24/7 concierge, and special shopping benefits. Visa Zero Liability is available on this card, as it is on many others. You also do not have to pay any additional fees for international purchases. To be eligible to apply for this credit card, you must have a good credit score.

Cardholders who do not like to track categories when they shop, on the other hand, will find the TD First Class quite limiting if they value rewards. Otherwise, when compared to similar rewards cards, the card provides a good but not exceptional value. It's also worth noting that the rewards earned on this credit card aren't transferable to other cards or partner programs.

  • APR: 18.49% variable
  • Annual fee: $89 (waived first year)
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: $0
  • Rewards Plan: 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases
  • Sign Up bonus: 25,000 miles on $3,000 spent in first 6 cycles
  • 0% APR Introductory Rate period: 12 billing cycles on balance transfers
  • Signup Bonus & Miles Reward
  • Low APR
  • 0% Intro APR
  • No Foreign Transaction Fee
  • Annual Fee
  • Rewards Are Not Transferable
  • 0% Intro Only on Balance Transfers

Capital One Venture X Rewards

Venture X Rewards

Capital One Venture X Rewards

Reward details

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases

Current Offer

75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$395

0% Intro

N/A

APR

19.99% – 29.99% (Variable)

The Capital One Venture X Rewards Credit Card is a premium travel card that can be a good fit for travelers who want extra travel perks like airport lounge access, travel insurance protection, and special rental car privileges, in addition to better rewards rates. It has quite high annual fee ($395)

When booking hotels and rental cars through Capital One Travel, the Venture X earns 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases. In addition, new applicants can earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, and there is no foreign transaction fee. If you're looking for more basic card, check out the Capital one Venture benefits.

  • Rewards Plan: 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
  • APR: 19.99% – 29.99% (Variable)
  • Annual fee: $395
  • Balance Transfer Fee: 3% for promotional APR offers, none for balances transferred at regular APR
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
  • 0% APR Introductory Rate: N/A
  • Statement Credit For Travel
  • Better Rewards Rate, Sign-Up Bonus
  • Capital One Travel Portal
  • No Foreign Transaction Fee
  • $395 Annual Fee
  • No Upgrading or Elite Status
  • Smaller Network

What are the income requirements?

Neither issuer specifies a minimum income, but you will need excellent credit for the Venture X. Your income will be a factor for consideration, but it will not be the sole factor. If proof of income is required to support your application, the card issuers will contact you with a list of acceptable documents. 

Can you get pre approval?

Capital One requires that you complete a full application for the Venture X, which will involve a hard credit pull.

What is the initial credit limit?

You can expect an initial credit limit of $5,000 to $30,000 with the Capital One Venture X.

How much is 10,000 miles worth?

The average value of Capital One miles is one cent per mile. This means that 10,000 miles would be worth $100. However, it may be possible to get a higher redemption rate with partner programs.

How’s the card customer service availability?

 Capital One has a customer service line that is available 24/7, so you can access help at any time of the day or night

How long does it take for approval?

Capital One aims to give an approval decision within a few minutes, unless additional information is required to support your application. In this case, it can take a further 7 to 10 days. After approval, you should receive your card within 10 days.

Venture X Reward Home Page
Venture X overview on app (Screenshot taken by our team from Capital One app)

The World of Hyatt Credit Card

World of Hyatt

The World of Hyatt Credit Card

Reward details

1X – 4X 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.

Current Offer

Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay 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.

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.49%–28.49% variable

If you like the Hyatt network or tend to visit places where its network covers, the World of Hyatt card is ideal for saving money on hotel accommodations.

Cardholders earn 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.. In addition, you can also get an early check-in and a late checkout. This makes hotel stays much more enjoyable, as well as a nice welcome bonus.

It's also a good card for people who want a card they can use anywhere to get free hotel stays and upgraded rooms. However, in order to offset the annual fee ($95) and receive the benefits advertised by the card, you must stay in Hyatt hotels several times per year.

  • Rewards Plan: 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
  • APR: 21.49%–28.49% variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5% (whichever is greater)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay 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.
  • 0% APR Introductory Rate: N/A
  • Travel Rewards & Welcome Bonus
  • One Free Night Every Year
  • Monthly Bonus Category
  • Discoverist Status
  • Annual Fee
  • No Discounts For Multi-Night Stays
  • Better For Off Season

Does the Hyatt card have a point rewards limit?

There is no points reward limit on either card, but there is an introductory offer with either card that requires you meet a spending limit to get bonus points. 

Can I get car rental insurance?

No, the World of Hyatt card does not offer a car rental insurance.

Can I redeem for flights with airline partners?

World of Hyatt is partnered with 25 airlines including Delta SkyMiles, American Airlines AAdvantage, and British Airways Executive Club. Generally, the transfer rate is a 5:2 ratio. This means that 5,000 points is worth 2,000 of the airline miles, but this can vary depending on the airline miles program

Can I get pre approved?

Typically, Chase does not have pre approval for its cards including the World of Hyatt card. This means that when you complete the online application form, it will trigger a hard credit search.

Does it offer flight cancellation insurance?

No, the World of Hyatt card  doesn't offer flight cancellation/interruption or delay insurance. 

What are the top reasons not to get it?

If you don’t typically care what hotel you stay in when you are on vacation, you’ll find this card a bit restrictive. In this scenario, you would be better off with a miles or other type of rewards card that allows you to redeem your rewards for flights, hotel stays and other travel perks.

Wells Fargo Autograph Card

Wells Fargo Autograph

Wells Fargo Autograph Card

Reward details

1X – 3X


3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases

Current Offer

20,000 Points 20,000 bonus points when you spend $1,000 in purchases in the first 3 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 months on purchases

APR

20.24% – 29.99% variable

The Wells Fargo Autograph Card offers a compelling option for those seeking a no-annual-fee rewards card with a diverse range of bonus categories

The card offers 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchasess. However, it lacks travel perks compared to traditional travel rewards cards, and its travel redemption options are limited.

Cellphone protection, My Wells Fargo Deals, and Auto Rental Collision Damage Waiver coverage are among the card's notable perks. Despite not offering transfer partners, the card's flexibility in redeeming points for cash rewards or travel, along with the ability to withdraw rewards from an ATM, adds to its appeal.

  • Rewards Plan: 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
  • APR: 21.49%–28.49% variable
  • Annual fee: 20.24% – 29.99% variable
  • Balance Transfer Fee: $5 or 3% (the greater)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
  • 0% APR Introductory Rate: 12 months on purchases
  • Everyday & Travel Rewards
  • My Wells Fargo Deals
  • 0% Intro APR
  • No Foreign Transaction Fee
  • Wells Fargo Credit Close-Up
  • Basic Card
  • No Transfer Partners
  • No 0% APR On Balance Transfer

What makes the Wells Fargo Autograph Card stand out?

The Autograph Card stands out with its broad range of reward categories, including restaurants, gas stations, transit, travel, and more, making it suitable for those with diverse spending patterns.

What perks come with the Autograph Card?

The card offers cellphone protection, My Wells Fargo Deals reward opportunities, auto rental collision damage waiver, and Visa Signature perks such as concierge service and Luxury Hotel Collection privileges.

Can you redeem Wells Fargo Autograph points for travel?

While the card offers various redemption options, including travel, the value of points for travel is limited to 1 cent per point.

Can I use the Autograph Card's points for cash back?

Yes, you can redeem your points for cash back as a statement credit or a deposit to your Wells Fargo savings, checking, or money market account at a value of 1 cent per point.

What makes the Autograph Card's redemption options flexible?

The card provides flexibility in redemption, allowing points to be redeemed for various options, including cash rewards, travel, or withdrawal from an ATM, making it convenient for cardholders with different preferences.

U.S. Bank Altitude Connect

Reward details

1X – 5X 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases

Current Offer

60,000 points 60,000 points after spending $6,000 in eligible purchases on the account owner's card within the first 180 days from account opening

Credit Rating

Good – Excellent

Annual Fee

$95 (waived first year)

0% Intro

N/A

APR

20.24% – 28.24% (Variable)

This U.S. Bank Altitude Connect Visa Signature Card caters to a diverse range of spending categories, such as groceries, dining, and travel, making it versatile for different lifestyles. It offers 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases.

Noteworthy perks of the U.S. Bank Altitude Connect include an annual streaming credit, airport lounge access, cellphone protection, and reimbursement for TSA PreCheck® or Global Entry® application fees. The card provides flexibility in point redemption options, offering a penny per point for travel, cash back, merchandise, and gift cards.

While the card excels in various aspects, it does come with a $95 annual fee after the introductory period, and it lacks the option to transfer points for maximized value.

  • APR: 20.24% – 28.24% (Variable)
  • Annual fee: $95 (waived first year)
  • Rewards Plan: 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases
  • Balance Transfer Fee: 3% or $5, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 60,000 points after spending $6,000 in eligible purchases on the account owner's card within the first 180 days from account opening
  • 0% APR Introductory Rate period: N/A
  • High Rewards Ratio
  • Airport Lounge Access
  • Redemption Options
  • Cell phone protection
  • Annual Fee
  • No Point Transfers

How can I redeem the points earned with the U.S. Bank Altitude Connect?

Points can be redeemed for travel, cash back, merchandise, and gift cards, with each point worth a penny.

What is the cell phone protection offered by the card?

The card offers cellphone protection with reimbursement of up to $600 for damage, theft, or involuntary parting with the eligible cellphone.

Is there a credit for TSA PreCheck® or Global Entry® application fees?

Yes, cardholders can receive up to $100 in statement credits every four years for reimbursement toward TSA PreCheck® or Global Entry® application fees.

Is there a limit on the number of points I can earn?

There is no specified cap on the amount of points you can earn, providing potential for unlimited rewards accumulation.

Can I transfer points from the U.S. Bank Altitude Connect Visa Signature Card to other loyalty programs?

No, the card does not allow the transfer of points to other loyalty programs, limiting redemption options.

Chase Sapphire Reserve®

Reward details

1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$550

0% Intro

N/A

APR

22.49%–29.49% variable

The Chase Sapphire Reserve® card is a premium travel card that offers many benefits that your average reward card does not. You'll receive , which is about $750 in travel rewards if booked through Chase Ultimate Rewards.

In addition, you earn

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

However, due to the high annual fee ($550) – you should make sure your regular spending habits fits to this card and you'll be able to cover the high annual cost. If that's not the case – the Chase Sapphire Preferred is a good alternative, check out our comparison between the Reserve and the Preferred card.

  • APR: 22.49%–29.49% variable
  • Annual fee: $550
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: $0
  • Rewards Plan:

    5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate period: N/A
  • Points Rewards
  • Sign Up Bonus
  • More Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • Airport Lounge Access
  • Annual Fee
  • No 0% Introductory APR
  • Balance Transfer Fee
  • Chase Restrictions
  •  Can I get car rental insurance with a Sapphire Reserve card?  Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.
  • What are Sapphire Reserve card income requirements? There are no transparent income requirements, but it is usually expected that your annual income is at least $30,000 and you may be asked for proof of income.
  •  How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, a statement credit, and gift cards.
  • What purchases don't earn cash back with the Sapphire Reserve? All purchases will earn you cashback with this card.
  • Should You Move to a Sapphire Reserve card?  If you travel a lot then this is a great option for you. It's recommended to understand your spending habits and compare the Reserve card with other premium travel cards such as the Amex platinum card.
  • Why did Chase deny me? What to Do Next? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  • How hard is it to get Sapphire Reserve card? It is harder to get this card than some of the other Chase credit cards. However, if you have a credit score of at least 720 then you will be in with a good chance of getting approval.
  • How to Use Sapphire Reserve card Benefits?  To maximize rewards, you should take advantage of the high dining and travel-related cashback redemption rates and generally use them for these types of expenses.
  • Top Reasons NOT to get the Sapphire Reserve card? If you do not travel a lot or you don’t want to pay the large annual fee.
  • Does travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does it offer pre-approval? Yes, you can get pre-approved for this card.
  • What is the initial credit limit? The usual minimum credit limit for this card is $10,000.
  • Is there a limit to rewards? No limit
Get highest tier of Chase Concierge services with the Sapphire Reserve card
Get highest tier of Chase Concierge services with the Sapphire Reserve card (Photo by Oleshko/Shutterstock)

The Platinum Card® from American Express

amex platinum

The Platinum Card® from American Express

Reward details

1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases

Current Offer

80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$695

0% Intro

None

APR

21.24% – 29.24% APR Variable

The Platinum Card® from American Express is one of the best luxury cards available, offering extra ordinary benefits especially when it comes to travel. The card offers 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases. Terms Apply. 

Also, you can enjoy welcome bonus of 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership, as well as a lot of extra premium perks such as dedicated service team, up to $200 in Uber Cash (enrollment required), preferred seating at sporting and cultural events, signature perks at upscale hotels, fraud Protection and baggage insurance for up to $500 for checked baggage and $1,250 for carry on*.  

If you're looking for a premium luxury card, compare the Amex Platinum cards with the Chase Reserve card.

  • Up to $200 hotel credit per year when you book select prepaid hotels using your Platinum card via American Express Travel. Enrollment Required.
  • Up to $240 or $20 per month in Digital Entertainment Credit when you pay for one or more The New York Times, Peacock, SiriusXM or Audible products with your card. Enrollment Required.
  • Up to $155 in Walmart+ credit. When you use your card to pay for your monthly Walmart+ membership, you’ll get the full cost back every month. Enrollment Required.
  • Up to $200 in Airline fee credit per year when you charge incidental travel fees from selected airlines on your card. Enrollment Required.
  • Up to $300 back every year for eligible Equinox memberships when you enroll and pay using your card.
  • Up to $189 back per year when you use your card to pay for a CLEAR® membership. Enrollment Required.
  • Welcome Bonus + Premium Point Rewards Rate (Terms Apply)
  • No Foreign Transaction Fees
  • Special Premium Status Perks
  • High Annual Fee
  • High Requirements
  • Why did Amex Platinum Card deny me? What to Do Next? You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.
  •  How hard is it to get Amex Platinum Card? You need to meet the credit score and income requirements, which are higher than a lot of other cards.
  • What is the initial credit limit? The minimum credit limit you will get with this card will be $5,000.
  • How do I redeem cash back? There is a points-based system. You can redeem the points for a variety of rewards that are showcased on the Amex website. These include statement credit, gift cards, paying for certain services etc.
  • What purchases don't earn cash back? Every type of purchase through this card will earn cashback points.
  • Should You Move to Amex Platinum CardIt is a good fit if you spend a lot of money on travel-related expenses and want to avail yourself of some great travel perks.
Amex Platinum transfer to Delta
Amex Platinum transfer to Delta (Screenshot taken by our team from Amex app)

Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass Card

Reward details