Travel
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One VentureOne Rewards for Good Credit
See rates and fees
Rewards rate
1.25 miles per dollar on every purchase.
5 miles per dollar on hotels and rental cars booked through Capital One Travel.
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Pros & cons
$0 annual fee, making it an affordable option for earning travel rewards.
Earn unlimited 1.25 miles per dollar on every purchase, enhancing every spending opportunity.
No foreign transaction fees, ideal for international travelers.
Miles can be transferred to over 15+ travel loyalty programs, offering flexibility in how rewards are used.
High regular APR of 30.74% variable, which can be costly if carrying a balance.
No introductory APR offer, which means new purchases and balance transfers will accrue interest at the regular APR from the beginning.
Limited benefits compared to other travel rewards cards, especially for those with higher credit scores seeking premium perks.
Card Details
The Capital One VentureOne Rewards Credit Card is a travel card for those with good credit seeking simplicity and no annual fee. Earn 1.25 miles on everything, 5 miles on hotels and rental cars booked through Capital One Travel, and enjoy no foreign transaction fees. Transfer miles to 15+ airline partners for maximum flexibility. Be aware of the high APR.
Bank of America Premium Rewards Visa credit card
Rewards rate
Earn 2 points for every $1 spent on travel and dining purchases.
Earn 1.5 points for every $1 spent on all other purchases.
No limit to the points you can earn, and points don't expire.
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Pros & cons
Earn 2 points per $1 on travel and dining, and 1.5 points per $1 on all other purchases.
Up to $200 in combined travel statement credits annually.
No foreign transaction fees.
Preferred Rewards members earn 25%-75% more points on every purchase.
$95 annual fee.
High variable APR after the introductory period.
Balance transfer fee of 3%.
Card Details
The Bank of America® Premium Rewards® credit card is designed for frequent travelers and diners. Earn 2 points per $1 on travel and dining, 1.5 points on everything else, and up to $200 in travel statement credits annually. Enjoy no foreign transaction fees, and earn even more points as a Preferred Rewards member. While there’s a $95 annual fee, the rewards and travel perks make it worthwhile for those who use them.
Bilt Mastercard
Rewards rate
1X points on rent payments without the transaction fee, up to 100,000 points each calendar year.
2X points on travel, including flights, hotels, rental cars, and cruises when booked directly.
3X points on dining at restaurants, bars, or ordering in.
1X points on all other purchases.
6X points on dining,
4X on travel,
2X on other purchases (except rent) on the first of each month.
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Pros & cons
No annual fee and no foreign transaction fees.
Unique rewards structure that includes earning points on rent payments.
Additional Rent Day bonuses for increased points on dining, travel, and other purchases.
Points can be redeemed for travel, rent & down payment, fitness classes, and more within the Bilt Rewards program.
To earn points, the card must be used 5 times each statement period, which may be a drawback for those who prefer using multiple cards or do not transact as frequently.
The ability to build credit history by reporting rent payments is limited to renting at a Bilt Alliance property, which may not be applicable to all renters.
Card Details
The Bilt Mastercard® stands out by rewarding renters! Earn 1X points on rent payments (up to 100,000 annually) with no transaction fees, plus 2X on travel, 3X on dining, and monthly Rent Day bonuses. Enjoy no annual fee, no foreign transaction fees, and travel protection perks. Ideal for renters who want to maximize rewards on their biggest monthly expense. Note that you must use the card 5 times per statement to earn points.
Hilton Honors Card from American Express
Rewards rate
7X Points on eligible purchases at hotels and resorts within the Hilton portfolio.
5X Points on dining at U.S. restaurants, including takeout and delivery.
5X Points at U.S. supermarkets.
5X Points at U.S. gas stations.
3X Points on all other eligible purchases.
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Pros & cons
High rewards rate on Hilton hotel stays.
Good earning rates on everyday spending categories like dining, groceries, and gas.
Complimentary Hilton Honors Silver status.
No foreign transaction fees.
No annual fee.
High APR for purchases.
Rewards and benefits are most valuable for those who frequently stay at Hilton properties.
Card Details
The Hilton Honors American Express Card maximizes rewards for Hilton loyalists. Earn 7X points at Hilton hotels, 5X on dining, groceries, and gas, and enjoy no annual fee. Get automatic Hilton Honors Silver status for perks like late checkout and complimentary internet. While the APR is high, this card is ideal for those who frequently stay at Hilton properties.
Marriott Bonvoy Bevy American Express Card
Rewards rate
6X Points on eligible purchases at hotels participating in Marriott Bonvoy.
4X Points at restaurants worldwide, including takeout and delivery in the U.S. , and at U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and supermarkets per calendar year, then 2X points).
2X Points on all other eligible purchases.
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Pros & cons
High earning rate on Marriott hotel stays.
Good earning rates on dining and supermarket purchases.
Complimentary Marriott Bonvoy Gold Elite status.
No foreign transaction fees.
Annual Free Night Award after spending $15,000 on eligible purchases in a year.
High annual fee of $250.
Benefits are most valuable for frequent Marriott guests.
Card Details
The Marriott Bonvoy Bevy™ American Express Card maximizes rewards for Marriott loyalists. Earn 6X points at Marriott hotels, 4X on dining and US supermarkets (up to $15,000 annually), and enjoy automatic Gold Elite status. Get a Free Night Award after significant spending, and no foreign transaction fees. While the $250 annual fee is substantial, frequent Marriott guests will find significant value in this card’s rewards and perks.
Delta SkyMiles Blue American Express Card
Rewards rate
2X Miles on dining at restaurants, including takeout and delivery in the U.
S.
2X Miles on Delta purchases made directly with Delta.
1X Miles on all other purchases.
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Pros & cons
No annual fee.
Earn 2X Miles on dining and Delta purchases.
No foreign transaction fees.
20% back on in-flight purchases of food and beverages.
High variable APR after the introductory period.
Bonus miles offer is relatively low compared to other travel cards.
Card Details
The Delta SkyMiles® Blue American Express Card is a solid no-fee option for Delta flyers. Earn 2X miles on dining and Delta purchases, and enjoy no foreign transaction fees. Get 20% back on in-flight purchases. While the welcome bonus might be lower compared to other travel cards, this card is ideal for casual travelers who want to earn Delta miles without an annual commitment.
Delta SkyMiles Gold American Express Card
Rewards rate
2X Miles on dining at restaurants, including takeout and delivery in the U.S.
2X Miles at U.S. supermarkets.
2X Miles on Delta purchases made directly with Delta.
1X Miles on all other eligible purchases.
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Pros & cons
Generous intro offer of 70,000 bonus miles.
2X Miles on dining, groceries, and Delta purchases.
First checked bag free on Delta flights.
$200 Delta Flight Credit after spending $10,000 in a calendar year.
No foreign transaction fees.
$150 annual fee after the first year.
High APR for purchases.
Card Details
The Delta SkyMiles® Gold American Express Card maximizes rewards for Delta flyers. Earn 2X miles on dining, groceries, and Delta purchases, plus a generous welcome bonus. Enjoy a free first checked bag, priority boarding, a $200 Delta Flight Credit (after $10,000 annual spend), and no foreign transaction fees. While there’s a $150 annual fee after the first year, this card is ideal for those seeking Delta-specific travel perks and rewards.
Delta SkyMiles Platinum American Express Card
Rewards rate
3X Miles on Delta purchases made directly with Delta.
3X Miles at hotels on purchases made directly with hotels.
2X Miles on dining at restaurants, including takeout and delivery in the U.S.
2X Miles at U.S. supermarkets.
1X Miles on all other eligible purchases.
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Pros & cons
High earning rate on Delta and hotel purchases.
Annual Companion Certificate for certain roundtrip flights.
First checked bag free on Delta flights.
$150 Delta Stays Credit and $120 Rideshare Credit annually.
No foreign transaction fees.
High annual fee of $350.
Benefits are most valuable for frequent Delta flyers.
Card Details
The Delta SkyMiles® Platinum American Express Card is built for frequent Delta flyers. Earn 3X miles on Delta and hotel purchases, get an annual Companion Certificate, enjoy a free first checked bag, and up to $270 in annual Delta Stays and rideshare credits. While the $350 annual fee is substantial (see rates and fees), dedicated Delta customers will reap significant rewards and travel perks.
American Express Gold Card
Rewards rate
2X points on travel, including eligible flights, hotels, car rentals, cruises, and more.
2X points on everyday purchases, including eligible gas, grocery, and drugstore purchases in Canada.
1X points on everything else, from dining to takeout, subscriptions, shopping, and more.
1 additional point on Amex Travel Online on eligible hotel or car rental bookings.
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Pros & cons
Generous rewards rate on travel and everyday purchases.
Up to 60,000 Membership Rewards points as an intro offer.
$100 Annual Travel Credit and four complimentary visits per year to Plaza Premium Lounges in Canada.
No foreign transaction fees on international purchases.
High annual fee of $250.
High APR for purchases and funds advances.
Additional Gold Rewards Cards have a $50 annual fee after the first free card.
Card Details
The American Express® Gold Rewards Card delivers rewards for travel and everyday spending. Earn 2X points on travel, dining, and select everyday purchases, plus an annual $100 Travel Credit and complimentary lounge visits. Enjoy no foreign transaction fees, and a generous welcome bonus. While the $250 annual fee is significant, this card is ideal for those who value travel perks and flexible rewards.
Citi Premier Card
Rewards rate
3X points on restaurants, supermarkets, gas stations, air travel, and hotels.
1X points on all other purchases.
Special Offer: Earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi TravelSM portal through June 30, 2024.
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Pros & cons
Earn 3X points on multiple categories including dining, supermarkets, and travel.
$100 Annual Hotel Savings on a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year.
No foreign transaction fees.
Points can be transferred to participating airline loyalty programs.
$95 annual fee.
High spend required for $100 Annual Hotel Savings benefit.
Earns 1X points on categories outside of dining, supermarkets, gas stations, air travel, and hotels.
Card Details
Earn 3X points on dining, supermarkets, gas, air travel, and hotels with the Citi Premier Card. Enjoy a $100 annual hotel savings benefit (requires $500+ single stay) and no foreign transaction fees. Transfer points to airline partners for added flexibility. While there’s a $95 annual fee and lower earning rates outside the top categories, the Citi Premier Card is a solid choice for frequent travelers and those who spend heavily in the bonus categories.