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Control purchases and manage expenses

rbs travel card

Simplify payments and control spending

The adaptable RBS International OneCard is welcomed by millions of outlets worldwide and can be used for both business procurement, travel & entertainment spending.

  • £45 annual fee per cardholder
  • Control purchases and manage expenses 
  • You can either give employees their own card or use the hosted OneCard option, where details are lodged with specific suppliers and all spend goes against one card number.

OneCard fact sheet

Onecard features, features openclose.

rbs travel card

Control and visibility with our mobile app

Clearspend overview.

Access transaction information, balances and communicate with cardholders - any time, from anywhere.

More about ClearSpend

Track and report expenditure

Smart data online overview.

With Smart Data Online you are able to:

  • Review and approve cardholder transactions
  • Create spending analysis reports and data exports 
  • Obtain HMRC approved VAT reports
  • Establish individual cardholder and transaction limits and change them at any time.

More about Smart Data Online

Consolidated and centralised billing

Benefits openclose.

Colleagues looking at tablet

Reduce expenses admin

Better cash flow management, effortless vat reclaims.

rbs travel card

Protection with OneCard

Protection overview.

Corporate liability waiver insurance protects you against employee misuse. Get up to £1.5 million cover per year against employee card misuse. Individual cardholders are also insured up to £50,000 per year. This insurance is provided by K.M. Dastur & Company Limited. 

Pay for business travel with your OneCard and you're automatically covered for business travel accidents up to £25,000 increasing to £100,000, whilst travelling on licensed public transport or in a hire car. Get information before you travel as well as legal and medical information while abroad. Travel insurance is underwritten by Chubb European Group SE.

Terms and conditions apply.

Interest rates and fees

Type of fee, billing type.

  • OneCard Insurance Policies (PDF, 174 KB)

How applying for OneCard works

Meet relationship director.

We'll assess your needs and explain the options available.

We'll obtain any necessary extra information and submit your application to our credit team for review.

Your Relationship Director will discuss the outcome of your application and agree terms with you.

Cards in hand

Finally your application will be processed and your cards will be ordered.

Existing customer?

Visit our OneCard forms and guides page for application forms to request additional cards, terms & conditions and insurance information.

Useful contacts and helplines

Onecard helpdesk.

Call: 0345 877 8113 From abroad: +44 20 3126 4846 Minicom: 0800 404 6160

OneCard Helpdesk lines are open Monday to Friday, 9am-5pm (excluding bank holidays). Calls may be recorded.

Fraud Helpline

Call: 0345 300 4350 From abroad: +44 1268 508020

Other useful OneCard contacts

Lost or stolen cards.

Call:  0370 6000 459 From abroad: +44 1268 500 813 Minicom: 0800 404 6160

K.M. Dastur & Company Limited (Claims)

Call: 0207 002 0900 Email: [email protected]

Address: K.M. Dastur & Company Limited Forum House, 15-18 Lime Street London EC3M 7AN

Chubb (Claims Department)

Call:   0345 841 0059 From abroad: +44 141 285 2999 Facsimile: +44 141 285 2901 Email: [email protected] Website: www.chubbclaims.co.uk

OneCard customer services address

Address: The Royal Bank of Scotland Commercial Card Division Cards Customer Services PO Box 5747 Southend-on-Sea SS1 9AJ

Apply for OneCard

Before you start an application, please answer a few initial questions so we can connect you with the most appropriate team to help you apply.

Talk to us about becoming a customer

We will work in partnership with you to understand your needs and select products and services for your specific requirements. 

To get started please contact your local office, full contact information can be found on our Contact us page . A member of our dedicated relationship team will guide you through the process of becoming a customer and opening a OneCard account.

Coronavirus (COVID-19): Changes to how you can contact us

Due to evolving contingency planning regarding the coronavirus (COVID-19) outbreak, a significant proportion of our colleagues are working from home.  As a consequence of this we are kindly requesting that you email us using the relevant email address.

Start your OneCard application

Before starting your application you might find it helpful to speak to your relationship director. You can discuss the options available to you and they can answer any questions you have.

Help and support

I have questions about OneCard Please contact your relationship director, Lines are open from 9am - 5pm

You can also call the OneCard helpline on 0345 877 8113 between 8am and 5.30pm, Monday to Friday; 9am - 1pm Saturday. 

I don't know the direct number or email address for my relationship director Please email our service team , where a member of the team will put you in touch with your relationship director. Where can I find OneCard application forms and guides? Visit our OneCard forms and guides page  for additional application forms and guides.

When you are ready to apply, please complete the  OneCard application form  and return it to your relationship director. You can find  OneCard Terms and Conditions here . If you require more than 3 account holders, please also complete and return the   cardholder schedule .

Contact our dedicated relationship team

If you don't have a relationship director, please contact your local office, full contact information can be found on our Contact us page. A member of our dedicated relationship team will put you in touch with the most appropriate team to help you. 

Due to evolving contingency planning regarding the coronavirus (COVID-19) outbreak, a significant proportion of our colleagues are working from home.  As a consequence of this we are kindly requesting that you email us using the email address provided.

 Contact our dedicated service team

Please email our dedicated service team , where a member of the team will put you in touch with your relationship director. 

Apply for an additional card

Please complete the cardholder application form and return it to your relationship director. 

You can also call the OneCard helpline on  0345 877 8113  between 8am and 5.30pm, Monday to Friday; 9am - 1pm Saturday. 

I don't know the direct number or email address for my relationship director Please  email our service team , where a member of the team will put you in touch with your relationship director. Where can I find OneCard application forms and guides? Visit our OneCard forms and guides page  for additional application forms and guides.

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In this guide

  • Our verdict

Product overview

Fees and charges, application requirements, the royal bank credit card review.

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A very respectable option for people who don't really want to have to think about their credit card, this deal is all about versatility and value over the long run.

You won't find any headline-grabbing introductory 0% deals here – which is great if you don't want the hassle of having to remember to switch cards after an introductory offer expires. Instead, this card comes with ongoing low (albeit variable) rates on purchases and balance transfers.

The downside of this is that if you're transferring a balance or anticipating a large upcoming expenditure (or both ), there are undoubtedly cheaper deals out there. Similarly, if you're all about the rewards and perks, there are more specialised cards available on the market.

If you already have outstanding debt on a card elsewhere, there's no fee to bring it across to RBS. It'll start accruing interest straightaway, however, so if you don't anticipate clearing it sharpish, consider a 0% balance transfer deal instead.

Perhaps the biggest selling point of this card is the fact that there are no fees for using it abroad – currencies are converted at the standard Mastercard rates – making it a hard-to-beat longer-term bet for use at home and on holiday.

  • Customers report excellent customer service when dealing with Royal Bank of Scotland
  • A low ongoing interest rate (variable)
  • Avoid currency conversion charges when spending abroad
  • No annual fee
  • Minimum annual income requirement of £10,000
  • Applicants with low credit scores are unlikely to be eligible
  • You may be offered an opening credit limit as low as £250

The imaginatively-named Royal Bank Credit Card is a handy card to carry both at home and abroad – having low rates, no annual fee and no fees for foreign transactions.

The Royal Bank Credit Card is issued on the Mastercard network so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Royal Bank of Scotland's app by logging in to your online banking or over the phone (0345 724 2424). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score , getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply for the royal bank credit card.

If you've compared cards and settled on The Royal Bank Credit Card, you can head over to Royal Bank of Scotland's secure online application to apply. Don't forget, you'll need to be over 18 and a UK resident to apply, with an income of at least 10000.

Frequently asked questions

What credit limit will i get with the royal bank credit card.

If Royal Bank of Scotland offers you this deal, it will specify a personalised credit limit based on Royal Bank of Scotland's assessment of your situation. The minimum limit offered on this card is £250, and Royal Bank of Scotland does not specify a maximum. Once you've had the card for a while and shown Royal Bank of Scotland you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using The Royal Bank Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on The Royal Bank Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 26.9%, which is 109% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How long does it take to receive the card?

You’ll know whether or not your application has been approved within 5 minutes of submission. As long as it’s approved, RBS states your shiny new card will be with you in 5-7 working days.

Do I need to be an existing RBS customer?

No, and if you have card debt elsewhere, you may decide to apply for a balance transfer .

Will I pay fees on cash withdrawals overseas?

Yes. While RBS doesn’t charge a fee for non-sterling transactions using this card, withdrawing cash abroad will incur a fee (and the ATM owner may add its own fee on top too). Find out more about using a credit card overseas .

How do I change my credit card limit?

You can do this through internet banking by selecting “Cards” from the main menu. In the “Manage your personal credit card” section select “Manage your credit card limit”. Add your annual income, requested credit limit and the last 5 digits of your card. Finally, select “submit”. Alternatively, you can call a customer advisor (0345 724 2424).

Finder credit card scores

Our experts score low rate credit cards to determine their value against similar products on the market. We look at a number of important factors, like exactly how low the low rate is, any perks/benefits, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use . When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full profile

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Explore your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more 

On this page

Access your Reward Platinum benefits through Membership Services

To access your account’s insurance and lifestyle benefits, full terms and conditions, and any exclusions or excesses that apply, just visit our Membership Services.

What is Membership Services?

Membership Services is our online portal where you can read about each of your benefits, use your benefits and view your benefit usage history.

  • Make a travel insurance claim.
  • Answer medical screening questions.
  • Register your mobile phone.
  • Make a mobile phone claim.
  • Get discounted cinema tickets.
  • Find local tastecard restaurants.

We’ve gathered all the information for your Reward Platinum benefits in one place.

Important documents.

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these. 

  • Platinum Account Insurance Product Information Document (PDF, 251 KB)
  • Platinum Benefit Terms (PDF, 404 KB)
  • Platinum Fee Information Document (PDF, 1 MB)
  • Your Current Account Terms (PDF, 1 MB)
  • MyRewards Terms (PDF, 104 KB)

Features and benefits

  • Travel benefits
  • Protection benefits
  • Lifestyle benefits

Travel benefits OpenClose

Travel insurance, worldwide travel insurance.

  • Worldwide travel insurance that covers you and your family for 31 days per trip (including winter sports).
  • Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership.
  • Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

  • Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
  • If you or the joint account holder are aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions  please sign in and complete the online form .

If wish to discuss how your insurance works, you can call us:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

To make a travel insurance claim  please sign in and complete the form online .

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Overseas: +44 (0)208 666 9277 | 24/7, 365 days a year. 

Full details on travel insurance

Fee-free debit card purchases abroad

  • Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
  • No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.
  • Not valid for ATM withdrawals. Other local fees may apply.
  • We explain the charges for this at  rbs.co.uk/travel  along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

Protection benefits OpenClose

Mobile phone insurance.

  • You're automatically covered but we recommend you  register your mobile phone  to make the claims process quicker.
  • Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (after the manufacturer's or any other relevant warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
  • 2 approved claim during any 12-month period. If this is a joint account, each account holder can make 2 approved claim.
  • Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250

Policy underwritten by Aviva Insurance Limited.

  • There’s a £100 excess for each approved claim when your phone is replaced.
  • There’s a £50 excess for each approved claim when your phone is repaired if you take your phone to our repair agent or our repair agent comes to your location to repair your phone.
  • There’s a £100 excess when you mail your phone to us to be repaired.
  • Phones with a screen size of 7 inches or greater aren’t covered.
  • Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There’s no cover for phones owned by your employer.

Make a claim 

  • Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK.
  • Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
  • Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts. 
  • Repairs use genuine manufacturer or manufacturer quality parts.
  • If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
  • If your phone has been stolen, you must report it to the police and request a crime reference number.
  • We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

UK car breakdown cover

The AA provide our UK breakdown cover. If your car breaks down, you’re sorted.

  • All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
  • Roadside Assistance - anywhere in the UK.
  • At Home - get help when your vehicle won't start at home.
  • National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
  • Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
  • Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

  • Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
  • Repeat call-outs for the same fault within 28 days won't be covered.
  • All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
  • All vehicles must be within 3.5 tonnes and no wider than 2.55m.

Full details on car breakdown cover

Broken down and need assistance?

If you’ve broken down and need help, you can register and track this on  the AA app  or call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | 24/7, 365 days a year.

Lifestyle benefits OpenClose

Cinema discount.

  • Buy online through membership services and get great savings off the price of cinema tickets.
  • Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
  • Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
  • Prices depend on cinema chains and locations across the UK.
  • You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

Using your eCodes is easy

1.  Sign in  and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

Full details on cinema discount

  • Exclusions on offers and available days may apply, check with participating restaurants.
  • Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
  • Remember to take your card or digital membership with you.
  • Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
  • Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
  • You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing in to your  Membership Services .

Use your tastecard

Full details on tastecard

Rewards OpenClose

Earn rewards.

  • Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
  • Get £1 a month back in Rewards with 1 mobile app log in.
  • Earn at least 1% in Rewards by shopping at our partner retailers. 

Redeem and exchange Rewards

  • Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your Royal Bank credit card balance.
  • Exchange your Rewards into money which is donated to one of our chosen charities.
  • Trade up for eGift cards which you can use online or in store with our partner retailers.

How do I access MyRewards?

You can see your MyRewards balance and exchange straight from the Royal Bank app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement. 

Have an existing Travel Service booking?

The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.

Visit  Membership Services  or call us on 0345 609 0456 (Relay UK 18001 0345 609 0456).

Lines are open 8am-8.30pm Monday to Friday; 8am-6pm Saturday, Sunday and Public Holidays; closed on 25th December. Please be advised calls are recorded for training and quality assurance purposes.

rbs travel card

Accessing MyRewards is easy

  • On your mobile or tablet, open the camera and point your device at the QR code.
  • A link will pop up, tap this, and you’ll be taken straight to MyRewards in your Royal Bank mobile banking app. 

Not able to scan the QR code? 

You can still get into MyRewards by:

  • Using this  MyRewards link  to get into your app.
  • Or you log in using  Digital Banking  and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

You’ll be taken straight to MyRewards in your Royal Bank mobile banking app .

Don't have the app? 

Access MyRewards by logging in to  Digital Banking  and click the MyReward section.

You’ll be taken straight to MyRewards in your  Royal Bank mobile banking app .

Change your bank account

Want to change your bank account?

It's quick and easy to change your current account, you'll keep your existing sort code and account number.

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

How can i get a copy of my travel insurance policy.

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Platinum Travel Insurance Terms (PDF, 717 KB)

Do I need to let Royal Bank know that I am travelling?

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with Royal Bank at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on  spending abroad  and how to minimise fees and charges.

Where can I find full information on my benefits?

You can access full information on your Reward Platinum benefits through Membership Services.

Sign in/Register

Do my Rewards expire?

No, your Rewards won't expire. There is no time limit to exchange or trade up your Reward balance.

If you’ve traded up your Rewards for an eGift card, please check the ‘Your MyRewards Trade Up’ email containing your code for the expiry date.

I traded up my Rewards, but I've not received my eGift card/code?

Please check the following:

  • Check we have the correct email address registered for you at MyRewards. This may be different from the one we have on our bank records. Log in to MyRewards then tap My Account > Your Personal Details to check.
  • Check your spam folder.
  • Some small and workplace email providers may block MyRewards emails. Please check the security settings on your email account, or update your email address to ensure you are able to receive MyRewards emails. 

After following the steps above, please contact us if you need us to resend your eGift card(s).

What do the different account balances mean?

The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

  • Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold)
  • Arranged overdraft limit (if you have one)

What do my balances include?

Balance including pending transactions -  this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit -  this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining -  this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance -  this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

rbs travel card

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?

  • Find a Branch
  • Call 1-800-769-2511

Travel Credit Cards

Whether your travel plans are big or small, a travel credit card can help you get there:

  • Earn points on every purchase
  • Redeem for flights in Canada and beyond, hotels and other travel expenses
  • Extensive insurance to cover you, and your trip

Browse Travel Credit Cards

How Do I Choose the Best Travel Credit Card?

That depends on the type of traveling you like to do. Some of our cards reward you with exclusive offers for flying the same airline – while others focus on giving you freedom, flexibility and protection. Whatever the case, we’ve got a travel credit card for your next adventure.

RBC’s Top Travel Credit Cards

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  • Cash Advance Rate:

Frequently Asked Questions

  • Travel insurance: most of our travel cards have extensive insurances to cover you in case of unexpected events, such as flight delay and lost baggage
  • Travel points: earn points on every purchase that can be easily redeemed for travel. Some of our cards also earn bonus points on travel related purchases so you’ll be on your way even faster
  • Flexibility to convert your points: cards earning Avion ® points also let you convert your points to use with a variety of travel programs including WestJet dollars, Asia Miles, Avios and more.
  • Special travel offers: With some cards you’ll get free offers, access to lounges, or unique travel experiences

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15 Best Travel Credit Cards of March 2024

Sara Rathner

ALSO CONSIDER: Best credit cards of 2024 || Best rewards credit cards || Best airline credit cards || Best hotel credit cards

A travel rewards credit card brings your next trip a little closer every time you use it. Each purchase earns points or miles that you can redeem for travel expenses. If you're loyal to a specific airline or hotel chain, consider getting one of that company's branded credit cards. Otherwise, check out the general-purpose travel cards on this page, which give you flexible rewards that you can use without the restrictions and blackout dates of branded cards.

Some of our selections for the best travel credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best Travel Credit Cards of March 2024

Chase Sapphire Preferred® Card : Best for Flexibility + point transfers + big sign-up bonus

Capital One Venture Rewards Credit Card : Best for Flat-rate travel rewards

Capital One Venture X Rewards Credit Card : Best for Travel portal benefits

Chase Freedom Unlimited® : Best for Cash back for travel bookings

Chase Freedom Flex℠ : Best for Cash back for travel bookings

American Express® Gold Card : Best for Big rewards on everyday spending

Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee

The Platinum Card® from American Express : Best for Luxury travel perks

Ink Business Preferred® Credit Card : Best for Business travelers — bonus rewards + big sign-up offer

Citi Premier® Card : Best for Triple points on multiple categories

Bank of America® Travel Rewards credit card : Best for Flat-rate rewards + no annual fee, and for balance transfers

Chase Sapphire Reserve® : Best for Bonus travel rewards + high-end perks

World of Hyatt Credit Card : Best for Hotel credit card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments + no annual fee

United℠ Explorer Card : Best for Airline card

Best Travel Credit Cards From Our Partners

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Flexibility + point transfers + big sign-up bonus

Flat-rate travel rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers — bonus rewards + big sign-up offer, triple points on multiple categories, flat-rate rewards + no annual fee, and for balance transfers, bonus travel rewards + high-end perks, hotel credit card, travel rewards for rent payments + no annual fee, airline card, full list of editorial picks: best travel credit cards.

Before applying, confirm details on the issuer’s website.

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.

Bank of America® Travel Rewards credit card

Our pick for: Flat-rate rewards + no annual fee, and for balance transfers

One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus travel rewards + high-end perks

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Chase Sapphire Preferred® Card

Our pick for: Flexibility + point transfers + big sign-up bonus

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Citi Premier® Card

Our pick for: Triple points in multiple categories

The Citi Premier® Card earns bonus points on airfare, hotels, supermarkets, dining and gas stations. There's a solid sign-up bonus as well.  Read our review.

U.S. Bank Altitude® Connect Visa Signature® Card

Our pick for: Road trips

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee:  $0 intro for the first year, then $95 .  Read our review .

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee ( see rates and fees ). Read our review.

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.

Chase Freedom Flex℠

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and an intro APR offer, too. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Big rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Bilt World Elite Mastercard® Credit Card

Our pick for: Rewards on rent payments

The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. Read our review.

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card . It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

United℠ Explorer Card

Our pick for: United Airlines + best domestic airline card

The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.

» Not a United frequent flyer? See our best airline cards for other options

World of Hyatt Credit Card

Our pick for: Hotel credit card

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

» Not a Hyatt customer? See our best hotel cards for other options.

Ink Business Preferred® Credit Card

Our pick for: Small business — bonus categories + big sign-up offer

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

Are you in Canada?

See NerdWallet's best travel cards for Canada.

OTHER RESOURCES

How travel rewards work.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip. According to a NerdWallet study , 68% of American adults say they have a credit card that earns travel rewards.

With a travel rewards credit card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Some top travel credit cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while the Marriott Bonvoy Boundless® Credit Card grants bonus points when you use the card at Marriott hotels, grocery stores, restaurants or gas stations.

Not all points and miles earned on travel rewards credit cards are the same:

General-purpose travel credit cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. With their flexible rewards, general-purpose options are usually the best travel credit cards for those who don't stick to a single airline or hotel chain.

Airline- and hotel-specific cards — such as the United℠ Explorer Card and the Hilton Honors American Express Card — give points and miles that can be used only with the brand on the card. (Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.) These so-called co-branded cards are usually the best travel credit cards for those who always fly one particular airline or stay with one hotel group.

How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.5 cents per point, and you can spend them like cash. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:

Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions. See our valuations page for business class valuations and details about our methodology.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value out of your miles, that’s even better.

HOW TO CHOOSE A TRAVEL CREDIT CARD

There are scores of travel rewards cards to choose from. The best travel credit card for you has as much to do with you as with the card. How often you travel, how much flexibility you want, how much you value airline or hotel perks — these are all things to take into account when deciding on a travel card. Our article on how to choose a travel credit card recommends that you prioritize:

Rewards you will actually use (points and miles are only as good as your ability to redeem them for travel).

A high earning rate (how much value you get in rewards for every dollar spent on the card).

A sign-up bonus (a windfall of points for meeting a spending requirement in your first few months).

Even with these goals in mind, there are all kinds of considerations that will influence your decision on a travel rewards credit card.

Travel cards are for travelers

Travel cards vs. cash-back cards.

The very first question to ask yourself when choosing a travel credit card is: Should I get a travel card at all? Travel credit cards are best for frequent travelers, who are more likely to get enough value from rewards and perks to make up for the annual fees that the best travel credit cards charge. (Some travel cards charge no annual fee, but they tend to offer lesser rewards than full-fee cards.) A NerdWallet study found that those who travel only occasionally — say, once a year — will probably get greater overall rewards from cash-back credit cards , most of which charge no annual fee, than from a travel card.

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

Travel credit cards fall into two basic categories: co-branded cards and general travel cards.

Co-branded cards carry the name of an airline or hotel group, such as the United℠ Explorer Card or the Marriott Bonvoy Boundless® Credit Card . The rewards you earn are redeemable only with that particular brand, which can limit your flexibility, sometimes sharply. For example, if your credit card's co-branded airline partner doesn't have any award seats available on the flight you want on the day you want, you're out of luck. On the other hand, co-branded cards commonly offer airline- or hotel-specific perks that general travel cards can't match.

General travel cards aren't tied to a specific airline or hotel, so they offer much greater flexibility. Well-known general travel cards include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card . Rewards on general travel cards come as points (sometimes called "miles" but they're really points) that you can redeem for any travel expense. You're not locked into using a single airline or hotel, but you also won't enjoy the perks of a co-branded card.

Evaluating general travel credit cards

What you get with a general travel card.

The credit cards featured at the top of this page are general travel cards. They're issued by a bank (such as Chase or Capital One), carry only that bank's name, and aren't tied to any single airline or hotel group. With these cards, you earn points on every purchase — usually 1 to 2 points per dollar spent, sometimes with additional points in certain categories.

Issuers of general travel cards typically entice new applicants with big sign-up bonuses (also known as "welcome offers") — tens of thousands of miles that you can earn by spending a certain amount of money on the card in your first few months.

» MORE: NerdWallet's best credit card sign-up offers

What do you do with those points? Depending on the card, you may have several ways to redeem them:

Booking travel. With this option, your points pay for travel booked through the issuer's website, using a utility similar to Orbitz or Expedia. For example, if points were worth 1 cent apiece when redeemed this way, you could book a $400 flight on the issuer's portal and pay for it with 40,000 points

Statement credit. This lets you essentially erase travel purchases by using your points for credit on your statement. You make travel arrangements however you want (directly with an airline or hotel, through a travel agency, etc.) and charge it to your card. Once the charge shows up on your account, you apply the necessary points and eliminate the cost.

Transferring to partners. The card issuer may allow you to transfer your points to loyalty programs for airlines or hotel chains, turning your general card into something like a co-branded card (although you don't get the perks of a co-brand).

Cash back, gift cards or merchandise. If you don't plan to travel, you can burn off your rewards with these options, although you'll often get a lower value per point.

Airline and hotel cards sharply limit your choice, but they make up for it with perks that only they can offer, like free checked bags or room upgrades. General travel cards, on the other hand, offer maximum flexibility but can't provide the same kinds of perks, because the banks that issue them don't operate the airlines or hotels. Still, there are some noteworthy perks on general travel cards, including:

Travel credit. This is automatic reimbursement for travel-related spending. Some top travel credit cards offer hundreds of dollars a year in travel credit.

Trusted traveler reimbursement. More and more travel credit cards are covering the application fee for TSA Precheck and Global Entry, programs that allow you to move through airport security and customs more quickly.

Airport lounge access. Hundreds of lounges worldwide operate separately from airlines under such networks as Priority Pass and Airspace, and several general travel cards offer access to these lounges.

Points programs

Every major card issuer has at least one travel card with a points program. American Express calls its program Membership Rewards, while Chase has Ultimate Rewards® and Citi pays in ThankYou points. Wells Fargo has Wells Fargo Rewards, and U.S. Bank has FlexPerks. Bank of America® travel cards offer points without a fancy name. Travel cards from Capital One, Barclays and Discover all call their points "miles."

These programs differ in how much their points are worth and how you can use them. Some offer the full range of redemption options, including transfers to loyalty programs. Others let you use them only to book travel or get statement credit.

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

Airline credit cards earn "miles" with each purchase. You typically get 1 mile per dollar spent, with a higher rate (2 or more miles per dollar) on purchases with the airline itself. (Some airline cards have also begun offering extra miles for purchases in additional categories, such as restaurants or car rental agencies.) These miles go into the same frequent-flyer account as the ones you earn by flying the airline, and you can redeem them for free flights with the airline or its alliance partners.

Co-branded airline cards typically offer sign-up bonuses (or welcome offers). But what really sets them apart are the perks they give you. With some cards, for example, the checked-bag benefit alone can make up for the annual fee after a single roundtrip by a couple. Common perks of airline cards include:

Free checked bags. This commonly applies to the first checked bag for you and at least one companion on your reservation. Some cards extend this perk to more people, and higher-end cards (with higher annual fees) may even let you check two bags apiece for free.

Priority boarding. Holders of co-branded airline credit cards often get to board the plane early — after the airline's elite-status frequent flyers but before the general population. This gives you time to settle in and gives you a leg up on claiming that coveted overhead bin space.

In-flight discounts or freebies. You might get, say, 25% off the cost of food and beverages during the flight, or free Wi-Fi.

Airport lounge access. High-end cards often include a membership to the airline's airport lounges, where you can get away from the frenzy in the terminal and enjoy a complimentary snack. Some less-expensive airline cards give you only limited or discounted lounge access; others give you none at all.

Companion fares. This perk lets you bring someone with you for a lower cost when you buy a ticket at full price.

A boost toward elite status. Miles earned with a credit card, as opposed to those earned from actually flying on the airline, usually do not count toward earning elite status in an airline's frequent-flyer program. However, carrying an airline's high-end card might automatically qualify you for a higher tier within the program.

The biggest U.S. airlines — American, United and Delta — offer an array of credit cards. Each airline has a no-annual-fee card that earns miles on purchases but provides little in the way of perks (no free bags or priority boarding). Each has a high-end card with an annual fee in the neighborhood of $450 that offers lounge access and sumptuous perks. And each has a "middle-class" card with a fee of around $100 and solid ongoing perks. Southwest offers three credit cards with varying fees; smaller carriers may just have a single card.

» MORE: NerdWallet's best airline credit cards

Choosing an airline

Which airline card you get depends in large part on what airline you fly, and that's heavily influenced by where you live. Alaska Airlines, for example, has an outstanding credit card, but the airline's routes are concentrated primarily on the West Coast. So it's not a great option for those who live in, say, Buffalo, New York, or Montgomery, Alabama.

If your local airport is dominated by a single airline, then you're probably flying that carrier most (or all) of the time by default. Delta, for example, is the 800-pound gorilla at Minneapolis-St. Paul and Salt Lake City. United has the bulk of the traffic at Newark and Washington Dulles. American calls the shots at Charlotte and Dallas-Fort Worth. That airline's credit card may be your only realistic option. If you're in a large or midsize market with frequent service from multiple airlines, you have more choice.

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

Hotel credit cards earn points with each purchase. As with airline cards, you typically get more points per dollar for purchases from the co-brand partner, and some cards also give bonus points in additional categories. (Hotel cards tend to give you a greater number of points overall than airline cards, but each individual point is generally worth less than a typical airline mile.) Similar to the airline model, the points you earn with the card go into the same loyalty account as the points you earn from actually staying at a hotel. You redeem your points for free stays.

Hotel cards usually offer a sign-up bonus, but like airline cards, they really make their bones with the ongoing perks. Common perks on hotel cards include:

Free nights. Several cards offer this perk, which can make up for the card's annual fee. You may get a free night automatically every year, or you may unlock it by spending a certain amount within a year. In the latter case, it comes on top of the points you earn for your spending.

Upgrades and freebies. Cardholders may qualify for automatic room upgrades when available, or free or discounted amenities such as meals or spa packages.

Early check-in/late check-out. No one likes having to cool their heels in the hotel lobby waiting for 3 o'clock to check in. And no one likes have to vacate their room by 11 a.m. when their flight doesn't leave till evening.

Accelerated elite status. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder.

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

If you decide to go the hotel-card route, you'll need to decide which hotel group gets your business. Hotels aren't as market-concentrated as airlines, so if your travels take you mostly to metropolitan areas, you'll have a decent amount of choice. Keep in mind that even though there are dozens of nationally recognizable hotel brands, ranging from budget inns to luxury resorts, many of them are just units in a larger hotel company, and that company's card can unlock benefits across the group.

Marriott, for example, includes not only its namesake properties but nearly 30 other brands, including Courtyard, Fairfield, Renaissance, Residence Inn, Ritz-Carlton, Sheraton and Westin. The Hilton family includes DoubleTree, Embassy Suites, Hampton Inn and Waldorf-Astoria. InterContinental includes Holiday Inn, Candlewood, Staybridge and Crowne Plaza. Wyndham and Choice have more than 15 mid-tier and budget-oriented brands between them.

HOW TO COMPARE TRAVEL CREDIT CARDS

No travel rewards credit card is going to have everything you want. You're going to be disappointed if you expect to find a high rewards rate, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based on the following features and choose the best travel credit card for your needs and preferences.

Most of the best travel cards charge an annual fee. Fees in the range of $90 to $100 are standard for travel cards. Premium cards with extensive perks will have fees of $450 or more. Weigh the value of the rewards and perks you'll get to make sure they'll make up for the fee.

Can you find good cards without an annual fee? Absolutely! There are no-fee options on our list of the best travel credit cards, and we've rounded up more here . Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.

Rewards rate

Rewards can be thought of in terms of "earn rate" and "burn rate".

The earn rate is how many points or miles you receive per dollar spent. Some general travel cards offer flat-rate rewards, meaning you get the same rate on all purchases, all the time — 2 miles per dollar, for example, or 1.5 points per dollar. Others, including most co-branded cards, offer a base rate of maybe 1 point per dollar and then pay a higher rate in certain categories, such as airline tickets, hotel stays, general travel expenses or restaurant meals.

The burn rate is the value you get for those points or miles when you redeem them. The industry average is about 1 cent per point or mile. Some cards, particularly hotel cards, have lower value per point on the "burn" side but give you more points per dollar on the earning side.

When comparing rewards rates, don't just look at the numbers. Look at the categories to which those numbers apply, and find a card that matches your spending patterns. Getting 5 points per dollar seems great — but if those 5X points come only on purchases at, say, office supply stores, and you don't spend money on office supplies, then you're getting lousy value.

Sign-up bonus

Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to earn the bonus. While cash-back credit cards often require just $500 to $1,000 in spending over three months to unlock a bonus, travel cards commonly have thresholds of $3,000 to $5,000.

Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a $500 bonus doesn't make economic sense — the interest you'll pay could easily wipe out the value of the bonus.

Finally, keep in mind that the biggest bonuses will come on cards with annual fees.

Foreign transaction fees

A good travel card will not charge a foreign transaction fee. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never leave the U.S., then this isn't much of a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them.

Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.

International acceptance

Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)

Travel protections

Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.

"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $450 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks.

Assuming you take advantage of them, the perks often make up for the annual fee on a card quite easily. This is especially true with co-branded cards. Free checked bags can pay for an airline card several times over, and a free night is usually worth more than the fee on a hotel card. When comparing the perks of various cards, be realistic about which ones you will and won't use. Sure, that card may entitle you to a free spa package the next time you're at a five-star hotel, but how often do you stay at five-star hotels?

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

Pros: why it's worth getting a travel card.

The sign-up bonus gives you a big head-start on travel. Bonuses on the best travel credit cards typically run $500 or more — enough for a roundtrip ticket in many instances.

Perks make travel less expensive and more relaxing. You won't have to worry about cramming a week's worth of clothes into a carry-on if your travel credit card gives you a free checked bag (or automatically reimburses you for the bag fee). Hate the crush of travelers in the terminal? Escape to the airport lounge. Renting a car? Use a travel card that provides primary rental car insurance.

Rewards get you closer to your next trip with every purchase. Spending money on the mundane activities of daily life has a silver lining when you know that every $1,000 you spend will knock $10 or $20 off the cost of that future beach vacation or trip home to see Mom and Dad.

No foreign transaction fee can mean big savings. Take just any old credit card with you on vacation outside the U.S., and $1,000 worth of purchases can cost you $30 off the top due to the foreign transaction surcharge. Good travel cards don't charge this fee.

"Double dipping" gives you more points on travel purchases. Buy a plane ticket or book a hotel room, and you'll earn loyalty points or miles regardless of how you pay. Use the right credit card, though, and you'll earn even more points and miles on top of those.

Strategic redemption can multiply your value. With cash-back credit cards, 1 cent is worth 1 cent, and that's just how it goes. The points and miles on many travel credit cards have variable value based on how you redeem them — booking travel with them vs. transferring them to a partner, booking domestic vs. international flights and economy vs. business class, staying at budget hotels vs. high-end resorts, and so on.

Cons: Why a travel card might not be for you

The best cards charge annual fees. In many cases, the value you get from a credit card more than makes up for the annual fee. But some people are dead set against paying a fee under any circumstances. If that's you, your options in travel cards will be sharply limited, and you won't get the perks that provide a big portion of the value on many cards.

Sign-up bonus spending requirements can be steep. A bonus worth $500, $600 or $700 is attractive, but only if you can afford to earn it with spending you were going to do anyway. If you have to amass thousands of dollars in debt and then pay interest on it, it's not worth it.

Travel cards aren't ideal for infrequent travelers. In the first year with a travel card, you're probably going to come out ahead: You can earn a big sign-up bonus, and several popular cards waive the first year's annual fee, too. In subsequent years, though, you'll break even on that fee only if you use the card enough to make up for it (with the rewards you earn and redeem and the perks you use). Infrequent travelers are more likely to get more total rewards from a cash-back card with no annual fee.

Cash back is simpler and more flexible. Some travel cards allow you to redeem your rewards only for travel. Others give you poor value unless you redeem for travel. Still others have complicated redemption options, making it hard to get the most out of your rewards. With cash-back credit cards, you can use your rewards on anything, you know exactly how much your rewards are worth, and redemption is usually simple.

Rewards cards tend to charge higher interest rates. If you regularly carry a balance from month to month, a travel credit card — or any rewards credit card — probably isn't your best choice. The interest you pay is eating up the value of your rewards. You're better off with a low-interest card that reduces the cost of carrying debt.

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

Plan your credit card application around a big purchase to earn the sign-up bonus.

Seize every opportunity to pick up the tab, especially if your travel credit card pays bonus rewards on dining; your friends can pay you back while you collect rewards.

Redeem rewards for travel instead of gift cards, merchandise or (in most cases) cash back to get the best value.

Join the loyalty program associated with a co-branded card — a frequent-flyer or frequent-guest program.

Shop for essentials in your card’s online bonus mall or through its exclusive offers, if available, to get extra rewards.

OTHER CARDS TO CONSIDER

It’s worth considering whether a travel credit card is even right for you in the first place. A NerdWallet study found that cash-back credit cards often earn more money — even for many travelers.

If you carry a balance from month to month, the higher interest rates typically charged by rewards cards can cancel out any rewards earned. If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.

A good travel credit card shouldn't charge foreign transaction fees, but there are good non-travel cards that also don't charge them. See our best cards with no foreign transaction fee .

If you value transparency and flexibility in your rewards, you can't go wrong with a cash-back card — and you can still use the rewards for travel, if you want.

Finally, if you're still not sure what's right for you, take a look at our best rewards credit cards for options beyond travel and cash back.

NerdWallet's Sam Kemmis contributed to this article.

To view rates and fees of the American Express® Gold Card , see this page . To view rates and fees of The Platinum Card® from American Express , see this page .

Last updated on March 22 , 2024

Methodology

NerdWallet's Credit Cards team selects the best travel rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits and airport lounge access. Learn how NerdWallet rates credit cards.

Frequently asked questions

Travel credit cards earn points (sometimes called miles) each time you buy something. The standard earning rate is 1 to 2 points per dollar spent, and many cards give you extra points for certain purchases, particularly travel expenses. The value of a point depends on the card that earned it and how you redeem it, but a good rule of thumb is to assume each point is worth an average of about 1 cent.

Your points accumulate in a rewards account, where you can use them to pay for travel. Most cards let you book travel directly using a portal similar to those at online travel agencies or on airline and hotel websites, but instead of paying cash, you pay with your points. Depending on the card, you may also have the option of booking travel any way you want, paying for it with the card and then cashing in your points for a credit against those expenses.

Points and miles are just different names for the same thing: the currency used in a travel rewards program. Some travel credit cards call them points, some call them miles.

Airline frequent flyer programs have long used the term “miles” to refer to the rewards you earn for flying. That’s because at one time, you really did earn rewards according to how many miles you flew — the longer the flight, the more miles you earned. Nowadays, most domestic airlines give out “miles” based on how much you spend, not how far you fly, so they’re really just points. (There are a few exceptions, though, notably Alaska Airlines.)

Especially when it comes to redeeming your rewards, there’s no difference between points and miles. The number of points or miles you need is based mostly on the cost of what you’re redeeming them for. It takes more than 500 miles (value about: $5) to get a free 500-mile flight!

The value of a point or mile depends on the card you earned it with and how you redeem it. A common rule of thumb is to assume that each point or mile is worth an average of 1 cent, although you can certainly get a much higher (or lower) redemption value. See our travel loyalty roundup page for NerdWallet’s current valuations for airline miles and hotel points.

Travel credit cards fall into two main categories: co-branded and general-purpose.

• Co-branded travel cards carry the name of an airline or hotel chain. The rewards you earn on the card can typically be redeemed only with that brand (or maybe its partners). Co-branded cards limit your flexibility, but because they are issued in partnership with an airline or hotel, they can give you special perks, like free checked bags or room upgrades.

• General-purpose travel cards are issued by a credit card company and are not directly tied to any particular airline or hotel. They earn points in the issuer's own program, such as American Express Membership Rewards, Chase Ultimate Rewards® or Citi ThankYou. These points are a lot more flexible, as you can use them to pay for a range of travel expenses, including flights on any airline or stays at any hotel. However, they don’t offer the airline- or hotel-specific perks of co-branded cards.

Travel cards — like rewards cards in general — typically require good to excellent credit for approval. Good credit is generally defined as a credit score of 690 or better. However, credit scores alone do not guarantee approval. Every issuer has its own criteria for evaluating applications.

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Bank of America® Travel Rewards Secured Credit Card: A secured card with rewards that can be used to cover travel purchases

Photo of Bank of America® Travel Rewards Secured Credit Card on a blue and green abstract background

Our take: The Bank of America® Travel Rewards Secured Credit Card offers a cost-effective approach to building credit and earning rewards with its lack of annual and foreign transaction fees. Use it to help you climb the rungs of the credit score ladder.

Bank of America® Travel Rewards Secured Credit Card Overview

Card Type: Secured

The Bank of America Travel Rewards Secured Credit Card offers a budget-friendly option for individuals looking to build or improve their credit. With a $0 annual fee and no foreign transaction fees, it provides a cost-effective way to manage your finances while earning rewards. Since the card is designed for cardholders who want to boost their credit score or establish a credit history, it’s a card with few frills or perks: You won’t get a welcome bonus or 0% introductory APR on balance transfers or purchases. 

To open a card, you must make a minimum security deposit of $200 and a maximum of $5,000. Typically, with a secured card , your security deposit determines your credit limit. The security deposit acts as collateral if you default on your payments. 

According to Bank of America, your maximum credit limit is calculated based on your security deposit, income, and creditworthiness. The issuer will also regularly review your account to decide whether you’re eligible to get your security deposit back. 

Who is the Bank of America® Travel Rewards Secured Credit Card good for?

The BoA Travel Rewards Secured is good for someone who wants to use the card for travel, especially for international travel as it doesn’t charge a foreign transaction fee.

Who shouldn’t get the BoA Travel Rewards Secured? 

If your interest is cash-back, this card isn’t a good fit for you as points are only worth .6 cents each for cash vs 1 cent each for travel. 

Bank of America® Travel Rewards Secured Credit Card: Points

With the Travel Rewards Secured, there’s not much to remember when it comes to rewards: You’ll earn a flat rewards rate of 1.5 points for every $1 you spend on all purchases.

The card does not offer a new customer bonus.

How to redeem Bank of America® Travel Rewards Secured Credit Card points

When you’re ready to redeem your rewards, you’ll get less flexibility than you would with a traditional travel credit card. You won’t be able to transfer them to a hotel or airline partner or use them to book flights or hotel stays through a travel portal. Instead, you can use points to cover past travel purchases, get a statement credit, or purchase gift cards. 

Get a travel statement credit

To redeem points, you have the option to receive a statement credit to cover qualifying travel and dining expenses such as airlines, hotels, and car rentals, incurred within the last 12 months. 

However, this statement credit is limited to the most recent 2,500 qualifying transactions in these categories. With this redemption method, the exchange rate is straightforward: One point equals one cent.

Earn cash-back and buy gift cards

You can turn your points into real money by getting a check, having them electronically deposited into your Bank of America® checking or savings account, or getting them credited to an eligible Cash Management Account® with Merrill. 

Keep in mind that by redeeming points for cash, you won’t be maximizing their value. One point is valued at 0.6 cents, meaning 2,500 points will only get you $15. As for gift cards, their redemption value can vary.

Rates and fees

  • Purchase APR: 28.24% variable
  • Annual fee: $0
  • Foreign transaction fee: None

Additional benefits

Free FICO score. Through online and mobile banking, you can access your FICO score, which is updated monthly, for free.

Credit cards similar to Bank of America® Travel Rewards Secured Credit Card

If covering travel expenses with rewards isn’t your priority, explore the Capital One Quicksilver Secured—a card closely mirroring the Travel Rewards card. The choice boils down to personal preference: Do you want a travel-focused Bank of America card or a cash-back Capital One card?

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Bank of America® Travel Rewards Secured Credit Card

The Capital One Quicksilver Secured Cash Rewards Credit Card and Bank of America Travel Rewards are similar cards with identical rewards structures, minimum opening deposits, and fees. With the Quicksilver, you’ll pay no annual or foreign transaction fees and earn 1.5% cash back on every purchase.

Similar to the Travel Rewards Card, you’ll need to make a $200 minimum deposit to open a Quicksilver card. By making on-time and in full payments on your Quicksilver card, you could get back your deposit and graduate to an unsecured Quicksilver card. Plus, every six months, Capital One will automatically consider you for a credit limit increase without having to put any extra money down.

While the Travel Rewards Card emphasizes rewards redemption for travel-related expenses, Quicksilver rewards can primarily be redeemed for cash-back or gift cards. 

Is the Bank of America® Travel Rewards Secured Credit Card right for you?

The Bank of America Travel Rewards Secured Credit Card is best suited for those who don’t need lots of bells and whistles and are focused on establishing or improving their credit scores. The card also has a low barrier to entry: You’ll just need to make a minimum security deposit of $200 to open a card.

This card, however, is likely not a good fit if you’re not interested in credit building and want a flashier travel credit card with benefits like a hefty welcome bonus and luxurious perks. 

Frequently asked questions

Is it hard to get a bank of america® travel rewards secured credit card.

While Bank of America does not disclose what credit score you need to qualify for the Travel Rewards Secured card, since it’s a secured card meant for credit building, you won’t need a good credit score to be eligible.

What is the credit limit for a Bank of America® Travel Rewards Secured Credit Card?

The credit limit for the Bank of America Travel Rewards Secured card is determined by the security deposit, which can be as low as $200 and as high as $5,000.

Can I get denied for a secured credit card with Bank of America?

Though secured credit cards are intended for credit building, Bank of America may reject some secured card applicants due to a lack of credit history, a poor credit score, bankruptcy, and more.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to secured credit cards

The best secured credit cards for march 2024, best prepaid debit cards of march 2024, a secured credit card can help you rebuild your credit score. here's how it works, how to use a secured credit card to build good credit history, a prepaid debit card is an easy way to charge it—here's what you need to know, it's harder, but not impossible: how to get a credit card with bad credit, capital one quicksilver secured cash rewards credit card: earn first-rate cash back while building credit, chime credit builder visa credit card review: built-in safety for those with bad credit, upgrade secured onecard review: great rewards with extra effort, how to use a prepaid debit card—the tool that lets you leave your cash at home.

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