best travel rewards credit card delta

Points of View: Which credit card should you use for Delta Air Lines flights?

Before you reach for your wallet to pay for a Delta Air Lines flight, you might pause to wonder which credit card to use. Should you use the one that says "Delta" on the front, or should you pay with something else?

In many credit card decisions, you may have to sacrifice benefits to earn additional points and miles. Does that hold true here? Let's look at which credit cards you might use to pay for a Delta flight and the benefits associated with your options.

Related: 16 easy ways to earn more Delta SkyMiles

Comparing credit cards for Delta Air Lines flights

In addition to using a Delta Air Lines cobranded credit card , you also could pay with a travel rewards card that earns transferable points on travel purchases, such as your next flight reservation with Delta. Here are some cards you might pay with and what you could get when using these cards:

* Bonus value is an estimated value calculated by TPG and not the card issuer.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Which card should you use for Delta Air Lines flights?

Unlike the dilemmas when booking United Airlines flights, there are no real trade-offs you must consider with Delta when it comes to enjoying benefits and earning as many points and miles as possible.

Related: Delta baggage fees and how to avoid paying them

Benefits like free checked bags and priority boarding are attached to your Delta SkyMiles number, not the credit card you pay with. That means you could theoretically pay for your Delta flight with the Amex Platinum Card to enjoy its insurance benefits and its unparalleled earning rates on flight purchases . However, you would still enjoy checked bag benefits and early boarding benefits that come from having the Amex Delta Reserve card , for example — even though you didn't pay for your flight with that card.

Related: The best credit cards for paying taxes and fees on award tickets

The only situation in which you must use your card is when you make an onboard purchase with Delta. To enjoy your 20% discount (in the form of a statement credit), make inflight food and beverage purchases with your eligible Delta card; if you pay with another card, you won't receive this benefit. You may also be asked to show your Delta Reserve or Delta Reserve Business card when visiting lounges before your flight.

Related: Delta overhauls Sky Club access policy, makes big cuts to reduce overcrowding

Outside of flights, use your Delta card to enjoy perks like MQD boosts from making purchases on the Delta Reserve and Delta Platinum cards. But this may not impact which card you use to pay for your Delta flight, assuming you're meeting those spending thresholds through other purchases.

Related: Delta makes it harder to earn Medallion status in 2024, adds new Choice Benefit options

If you're interested in knowing more about these credit card-related benefits that help you achieve Delta elite status , read how to earn Delta Medallion elite status without flying .

It's also worth noting that purchasing inflight Wi-Fi is not covered by the 20% discount on inflight purchases mentioned in the table above. However, Delta has promised a move toward complimentary internet on its flights .

Bottom line

Options abound; there are many different credit cards you could use when paying for a flight — whether that's buying a cash ticket at a great price or paying the taxes and fees when redeeming your miles. If you're making a reservation with Delta Air Lines, there are many benefits you may be able to enjoy on your flight simply by having a Delta credit card in your wallet.

The good news is that you can enjoy many of these benefits regardless of which credit card you use to pay for your flight. This leaves you free to use whichever card you want to enjoy the insurance protections or bonus points offered on other cards in your wallet.

Also in this series:

• Points of View: Which credit card should you use for American Airlines flights?
• Points of View: Which credit card should you use for United flights?
• Points of View: What credit card should you use for IHG stays?
• Points of View: Which credit card should you use for Hyatt stays?
• Points of View: Which credit card should you use for Hilton stays?
• Points of View: Which credit card should you use for Marriott stays?
• Points of View: Can I cash out my points, and is it worth it?
• Points of View: Should my partner get their own card or be added as an authorized user?
• Points of View: Which card should I use for flights in case things go wrong?
• Points of View: Does paying the taxes and fees on award flights trigger trip protections?

For rates and fees of the Amex Delta Reserve card, click here . For rates and fees of the Amex Delta Reserve Business card, click here. For rates and fees of the Amex Delta Platinum card, click here . For rates and fees of the Amex Delta Platinum Business card, click here. For rates and fees of the Amex Delta Gold card, click here . For rates and fees of the Amex Delta Gold Business card, click here . For rates and fees of the Amex Delta Blue card, click here . For rates and fees of the Amex Platinum card, click here . For rates and fees of the Amex Green card, click here .

Advertiser Disclosure

Best Travel Credit Cards of April 2024

Some of the card offers on this site are from companies who are advertising clients of U.S. News. Advertising considerations may impact where and in what order offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. Terms apply.

• Chase Sapphire Preferred® Card : Best feature: Travel rewards.
• Delta SkyMiles® Blue American Express Card : Best feature: Delta Air Lines rewards.
• Capital One Venture X Rewards Credit Card : <b>Best Feature:</b> 75,000-mile sign-up bonus.
• Chase Freedom Unlimited® : Best feature: Flexible cash back rewards.
• Hilton Honors American Express Card : Best feature: Hilton hotel rewards.

Whether you're traveling for business or pleasure, travel credit cards can help you save money. There are many types of travel cards, and they often come with sign-up bonuses and robust rewards programs. A general travel card is a good option for those who want flexibility. But if you do have a favorite airline, an airline-branded card might be just what you need. Terms apply.

U.S. News’ Best Travel Credit Cards of April 2024

See all of our credit cards here .

On This Page

• U.S. News’ Best Travel Rewards Credit Cards
• How Travel Credit Cards Work

Commonly Compared Travel Credit Cards :

Popular categories:.

Capital One VentureOne Rewards Credit Card

Chase Sapphire Preferred® Card

Airline Credit Cards

Rewards Credit Cards

Credit Cards With Sign-up Bonuses

How Do Travel Credit Cards Work?

You can use travel credit cards to save money on travel expenses such as airfare, hotel stays, car rentals and baggage fees. Use your travel rewards credit cards to pay for travel and other monthly expenses, and you'll be amazed by how quickly your earnings accumulate. I use a combination of travel rewards and cash back cards, and I earn thousands of dollars' worth of rewards every year.

Depending on the credit card, you can redeem your rewards for airfare, statement credits, hotel stays, merchandise, upgrades and more. Many of these cards also allow you to transfer miles or points to partner airlines and hotels.

Within the travel rewards credit card category, there are three basic types of travel cards: general travel cards, airline cards and hotel cards.

General Travel Credit Cards

With general travel credit cards, you can redeem rewards for many things. Options may include statement credits, trips booked via the issuer's travel portal, online purchases and gift cards. Depending on the rewards program, which varies by credit card, you may also be able to transfer rewards to other airline or hotel loyalty programs.

General travel cards are more flexible than co-branded airline or hotel credit cards, which is a big plus for travelers who aren't loyal to a particular brand or who travel to destinations with fewer options for hotels or airports. Cardholders can worry less about blackout dates or other travel restrictions because rewards are not tied to a sole provider.

Airline credit cards

Airline credit cards offer perks that are especially useful to frequent flyers. They can be co-branded, meaning you earn rewards with a particular airline.

Airline cards can deliver a more economical, comfortable flying experience. Benefits often include free checked bags, priority boarding, complimentary or discounted access to airport lounges, and discounts on in-flight purchases.

Hotel credit cards

Hotel credit cards are generally most valuable when used to book eligible accommodations. Co-branded hotel credit cards work best for loyal guests of a specific hotel group. If you regularly stay at properties within a hotel group, you can earn rewards that you can use for free nights at participating hotels.

Choosing the Best Travel Card

Before you begin searching for a travel card, think about your travel preferences. Do you prefer to use one airline or do you enjoy the flexibility to choose different airlines? You also want to consider if you want a straighforward rewards program or if you're willing to navigate a complex program to get more enticing rewards.

To find a travel card that meets your needs, evaluate each card using the following criteria:

1. Pick the right travel rewards program for you .

Your travel credit card will work in conjunction either with the loyalty program of an airline or hotel chain or with the issuer's rewards program. Each program has unique terms and conditions for earning, redeeming and transferring points.

Airline loyalty programs: For some travelers, loyalty to any particular airline lasts only as long as that airline offers the cheapest flights. But frequent flyers might be willing to forgo initial cost savings in exchange for benefits later.

Which airline program works best for you depends on how frequently you fly with the airline and how much value you can get from your rewards. Also consider how active the airline is at the airport you're planning to use. If that airport isn't the main hub of your favorite airline, figure out if there are still enough flights to make the card worthwhile. Highly rated airline rewards programs include:

• Alaska Airlines Mileage Plan.
• Delta SkyMiles.
• HawaiianMiles.
• United MileagePlus.

Hotel loyalty programs: As with airline cards, choosing a credit card from a hotel group you regularly patronize is likely to offer the best value for earning and redeeming rewards. Highly rated hotel rewards programs include:

• IHG One Rewards.
• Marriott Bonvoy.
• World of Hyatt.
• Wyndham Rewards.

General travel rewards programs: Using a general travel credit card can earn you rewards that can be redeemed for a statement credit or through the issuer's travel portal, or transferred to partners. Many of these programs also have redemption options for gift cards, experiences and more. Examples:

• American Express Membership Rewards.
• Chase Ultimate Rewards.

Which is the right choice? If you're loyal to a particular hotel group or airline and want to earn rewards while taking advantage of brand-specific benefits, a co-branded airline or hotel card is the way to go.

But if you travel infrequently or with many different airlines, or simply want more flexibility, a general travel card may be a better choice.

2. Calculate earning potential.

Travel cards can earn rewards at different rates for spending in different categories, so analyze your spending habits to determine which card will provide the highest rewards value. A good travel card will have a range of purchases that qualify as travel spending, which may include flights, hotels and car rentals.

Depending on the card, these purchases can earn two points/miles per dollar or more. Other purchases may earn one point/mile per dollar or more.

3. Factor in sign-up bonuses.

Some travel cards offer bonuses for meeting a spending threshold within a few months of opening an account. These bonuses can be worth hundreds of dollars.

4. Calculate redemption value.

The value of your points or miles depends on your card as well as your preferences and priorities.

For general travel cards, point valuation may be as simple as the number of points multiplied by the redemption rate, often 1 cent per point. Point value can also vary depending on whether the issuer uses dynamic pricing, which can depend on other factors, such as demand for the date you've chosen.

Award travel booked through airline or hotel loyalty programs can get more complicated. The number of points or miles needed to book can depend on factors such as destination, fare or hotel class, demand, and other factors. And rewards values aren't consistent across all programs: You might be able to redeem a point or mile for a value of 2 cents with one program or less than 1 cent with another.

5. Subtract annual fees.

The average annual fee for travel credit cards is about $139, according to U.S. News research. Credit card companies sometimes entice new users by waiving the annual fee for the first year.

Once the fee kicks in, be sure you're earning enough rewards or enjoying the other card benefits to more than just compensate for it. Also, about a third of travel cards don't carry an annual fee.

6. Understand travel benefits.

Travel benefits can be practical tools, discounted pricing or luxe perks. Benefits can include no foreign transaction fees, access to concierge or customer service assistance, a free checked bag – and sometimes, a free checked bag for one or more traveling companions. Air travel is frequently disrupted these days, and some travel credit cards offer travel cancellation insurance as well as coverage for lost baggage.

The Chase Sapphire Preferred® Card , for example, comes with trip cancellation and interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, and more.

7. Avoid foreign transaction fees.

Many travel cards don't charge a foreign transaction fee, which is typically 3% on every purchase in a foreign currency or country. Because these fees can outweigh any rewards you earn, frequent international travelers will want to make this card feature a top priority.

Compare Credit Cards

You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply — all in one place.

How to Redeem Travel Points

Each travel rewards credit card has its own rewards program. The rewards program will highlight the rewards rate, explain any tiered categories and outline redemption options. Be sure you understand the rewards program for your credit card so you can maximize your benefit.

You can find out how much you've earned in rewards by logging into your account or referring to your card's monthly billing statement. Here's a brief summary of what to expect when you redeem rewards, but note that specific details vary by credit card issuer.

Redeeming Travel Points on a General Travel Card

Redemption options might include using points or miles to pay for airfare, getting a statement credit, receiving free hotel nights or buying merchandise on discount.

One of the best features of a general travel card is that you have flexibility to choose the airline that meets your needs. Some general travel cards also have their own travel portal where you might get more value for each mile or point redeemed.

Log into your account and you'll find redemption options as well as directions for redeeming your rewards. Many general travel rewards cards have airline partnerships, which gives you many options when booking your travel.

Redeeming Points With an Airline Credit Card

An airline-branded credit card often comes with generous rewards and excellent benefits, including in-flight credits, priority boarding, waived baggage fees, baggage insurance and 24/7 emergency assistance.

The method for redeeming airline-branded credit cards will vary by issuer, but you can usually redeem them online or by phone. Some airline-branded cards allow you to redeem miles on their page. For specific details, go to the credit card's homepage for instructions.

Some airline cards use dynamic pricing, which means award rates can vary throughout the month. With these airline credit cards, flexibility with travel dates can help you get the most value from your miles.

Redeeming Points With a Hotel Credit Card

Hotel-branded credit cards are best for those who are loyal to a specific hotel group. Hotel cards often come with generous rewards, including tiered rewards, and perks. Redemption options might include using your points for free or discounted hotel stays, hotel services and upgrades, gift cards and airfare.

Similar to airline cards, some hotel cards use dynamic pricing, so award values can vary depending on changes in demand for a date or time. Your rewards will be worth less during a period of high demand.

How to Compare Travel Credit Cards

You're unlikely to find the perfect travel credit card, but if you take time to compare several cards, you're going to find a card that meets most of your needs.

• Credit score: Rewards credit cards require good credit scores, so know your credit score before you start comparing cards. This way, you won't spend time looking at cards you're unlikely to qualify for. By focusing on cards you might get approved for, you also protect your score. Each time you apply for a credit card, you can lose up to five points off your score.
• Annual fees: Many travel rewards cards have annual fees. The more generous the rewards and perks, the higher the annual fee. Be sure the amount of rewards you expect to earn far outweighs the annual fee.
• Sign-up bonus: Most travel rewards cards offer enticing sign-up bonuses. Usually, there's a spending requirement you have to meet within the first three months or so. Read the terms, because every travel card has its own requirements.
• Foreign transaction fees: If you travel overseas and make purchases, businesses may charge foreign transaction fees. The fee is usually around 3% of your bill. Using a credit card that waives these fees will save you a lot of money.
• Purchase APR: Rewards cards, as already noted, have higher interest rates. While it's always prudent to compare APRs among credit cards, it's important that you never carry a balance with a rewards card. Due to the high rate and compound interest, you can slip into debt quickly.
• Rewards programs: Take time to review the programs of the cards you're considering. Some cards have simple programs, but others are complex. Comparing rewards programs is a great way to see which cards offer rewards that match up well with your spending style.
• Benefits and perks: The best travel credit cards not only have generous rewards, but also come with excellent benefits, such as waived baggage fees, airport lounge access, lost baggage insurance, airline fee credits, travel cancellation insurance and much more. Decide what benefits are important to you and see which credit card is the best match.

As I said, you won't find your credit card soulmate, but if you compare travel cards, you'll find the one that will make you the happiest.

Pros and Cons

For the right consumer, travel credit cards can make a lot of financial sense, but make sure you know the advantages and disadvantages of these cards.

• Better earning rates and higher redemption value for travel. Travel credit cards can accrue points and miles at higher rates on travel-related spending than other rewards credit cards. When cardholders redeem those rewards for travel, they could get more value out of them than if they redeemed them for other rewards, such as cash back , statement credits or gift cards.
• May not charge foreign transaction fees. A foreign transaction fee is a surcharge on every purchase made using a credit card in a foreign country or foreign currency. The fees are typically 3% of every purchase. So if you have an international trip planned, a travel rewards credit card that waives foreign transaction fees can save you a lot of money.
• Sign-up bonuses. Lucrative sign-up bonuses are common among travel credit cards and are typically available to new cardholders who hit a minimum spending amount within the first few months.
• Potentially high annual fees. Most travel rewards credit cards have an annual fee. Fees can range from a low $39 to fees that exceed $500. Premium travel cards provide premium benefits, and that's reflected in their annual fees. If the travel card is a good match for you, the annual fee might be worth it.
• Possible complexity and restrictions. Travel credit cards can also cost you time. Some travel cards require lots of planning or working with customer service to navigate blackout dates, limited seat availability or confusing terms and conditions. Depending on the travel card, there can also be caps and expiration dates on points or miles. And, of course, bonus points from airline and hotel cards may be restricted to redemption with certain brands or qualifying partners.
• Low value for infrequent travelers. If you don't travel regularly, then you'll want to make sure that the rewards and benefits you're getting from the card are outweighing the annual fee.

How to Maximize Travel Rewards

• Pick the right travel card. When you're starting out with travel cards, select one with a general rewards program that gives you the flexibility to earn rewards for all spending and redeem with the largest variety of brands. Unless you spend a lot with a particular travel brand, co-branded airline and hotel cards aren't the best choice to start.
• Combine a general travel card with a co-branded card. Used in tandem with a general travel card, a co-branded airline card or a hotel card makes sense for frequent travelers who are comfortable committing to one travel brand. This combination allows you to use the co-branded card to earn bonus points on purchases with your preferred brand and to use the general travel card to earn bonus points in other categories.
• Apply for a card before a planned large purchase to reach your sign-up bonus. The best way to guarantee that you'll get your sign-up bonus is to activate a new travel rewards card before you'll be making a lot of purchases (a family vacation, for instance).
• Use your travel credit card to pick up the tab. Does your card give you extra points for dining? You can offer to pick up the tab the next time you go out with friends. So long as they pay you back, it's worth it to get more of those sweet, sweet rewards points .

Travel Cards vs. Cash Back Cards

Nate Hellman

If you're not sure whether a travel card or cash back card is the best fit for you, there is good news: You can get a card that offers great travel rewards and solid cash back. There is overlap between the best cash back credit cards and the best travel credit cards.

There are cash back credit cards that come with travel rewards, but many others focus on rewards for everyday expenses. Take a look at your spending habits and decide which benefits you'll enjoy most before picking a card.

And if you're like me, you'll want to have both a travel credit card and a cash back card. I use several rewards cards strategically, and I usually travel for free. It's simply a matter of knowing your rewards programs and using the right rewards card at the appropriate time. This way, you maximize your rewards!

What Are Some Alternatives to Getting a Travel Credit Card?

• Use a cash back rewards credit card. Many cash back rewards cards offer significant cash back for everyday purchases, and some offer travel benefits such as rental car protection and travel insurance.
• Join a frequent flyer program. Many major airlines offer rewards for booking its flights, spending through its travel partners and shopping with select retailers. These points may have no caps and offer redemption options such as flights, exclusive vacations, premium drinks and cabin upgrades.
• Sign up for a hotel loyalty program. Hotel loyalty programs offer various incentives, such as exclusive rates, late checkout and bonus points, for keeping your overnight stays within its family of properties. Be sure to book your stays directly with the hotel and not a third-party service to rack up bonus points, then redeem for perks such as free drinks, spa packages and free nights.

U.S. News Survey

U.S. News Survey: More Than Two-Thirds of Respondents Say Recent Financial Events Have Affected Their Summer Plans

According to a May U.S. News survey, inflation and recent stock market drops have put a crimp in many people's summer travel plans. Almost 21% of respondents are cutting the number of trips they plan to take, while another 21.7% are reducing their travel budgets. Only 28.8% of respondents say they aren't changing their plans at all. While the past two years of summer travel have been seriously disrupted by the ongoing coronavirus pandemic, most respondents say they aren't planning to make up for lost time and splurge. Though 30.1% say they plan to spend more on travel compared with pre-pandemic vacations, 43% say they plan to spend less, and 26.9% plan to spend about the same amount. Respondents are also fairly split on how much COVID-19 will affect their plans. For 31.9% of respondents, it's a moderate consideration, but 28.2% of respondents say they aren't thinking about COVID-19 at all. A smaller percentage, 15.9% of respondents, say the coronavirus is a major consideration, and it has dictated their destination or transportation plans.

Additional Survey Insights

Most respondents plan to take either one (36.6%) or two (36.7%) vacations this summer.

Only 14.6% of respondents say they plan to travel internationally this summer, while 25.7% of respondents plan to stay in the same state., roughly two-thirds of respondents plan to travel by car, and about one-third plan to travel by air. a limited number of people are traveling by rail, boat or bus., a large majority of respondents, 61.2%, plan to pay for their trips with savings. in contrast, 13% of respondents plan to add the costs to their credit card balances, and 5.6% plan to use a buy now, pay later plan., over half of the respondents (54.2%) plan to spend $1,000 or less per person per trip., there are two summer travel trends that are especially popular: 30.6% of respondents are taking a multigenerational trip with their families, and 31.1% of respondents are taking a vacation focused on self-care and wellness., the most popular type of credit card for traveling is none at all – 28.7% of respondents say they don't plan on using one., people aren't earning that much in rewards with their credit cards. the largest group of respondents, 28.2%, say they've earned $350 or less in rewards in the past 12 months., if respondents did get a travel credit card, 40.8% say the most important secondary benefit would be free checked bags..

Survey Results

• U.S. News ran a nationwide survey of 1,211 respondents through PureSpectrum between May 19 and May 23, 2022. Only people who planned to travel this summer answered questions.
• The survey sample drew from the general American population, and the survey was configured to be representative of this sample.
• The survey asked 12 questions relating to summer travel and spending.

Best Credit Cards for Travel Methodology

U.S. News has been helping consumers make money decisions for decades. The Best Travel Credit Cards are selected based on ease and flexibility of rewards redemption, travel rewards earning rate, rewards redemption value, annual fee, APR, sign-up bonus value, cardholder benefits, foreign transaction fee and balance transfer fee. Cards are also scored on U.S. News' overall issuer satisfaction rating.

To qualify as one of the best travel credit cards, a card must earn bonus travel rewards, including general travel, airline or hotel. Remember to consider your spending and travel habits as you compare travel cards so you can find the best credit card for you.

Can You Get Travel Rewards for Business Travel?

If you are an entrepreneur, a small-business owner or have a side hustle, you have more options to consider. You can keep all of your spending on one travel rewards credit card to consolidate your points. Alternatively, you can open a separate business credit card . Business cards typically have different rewards categories that might be more beneficial to you.

What Credit Score Is Needed for a Travel Credit Card?

Travel credit cards require good to excellent credit , with a typical minimum credit score of 670.

Is There a Difference Between Points and Miles on a Credit Card?

There is a difference, but it's a minor one. Miles are the reward unit for airline credit cards, while points are the reward unit for hotel and general credit cards. The important thing to check is how easy it is to redeem your points or miles once you earn them.

Should I Get a Separate Credit Card Just for Travel?

[READ: What Does Your Credit Card Number Mean? ]

What Are the Best Travel Credit Card Perks?

The best travel credit card perks for you will depend on your priorities when you travel. If you’re a frequent flyer, for example, you might want a card that gets you airport lounge access and covers the fee for TSA PreCheck. If you instead prioritize hotel stays, you can look for perks such as late checkout.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

Beverly Harzog , Credit Card Expert

Beverly Harzog  is a nationally recognized personal finance and credit card expert for U.S. News & World Report. She’s the bestselling and award-winning author of five personal finance books. Harzog puts her expertise to practice in her personal life by saving thousands every year on travel and everyday expenses by using a combination of credit cards in various categories. Read more

Best Delta Air Lines credit cards

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Delta Air Lines normally serves more than 200 million passengers per year , and their global network includes over 300 destinations in more than 50 countries worldwide. The airline’s alliance with SkyTeam partners like Air France and KLM makes them even more valuable for international itineraries, and many of the elite perks you receive with Delta Medallion status are reciprocal with their partners.While Delta doesn’t have an award chart like some other airlines, the Delta SkyMiles program is still hugely popular with consumers. While you can earn miles by flying , many savvy customers also like to pick up a Delta credit card in order to earn airline miles on regular purchases and score some frequent flyer perks along the way.Which Delta credit card should you apply for depends on how often you fly and the benefits you want to receive as a cardholder. Before you choose a new card for your wallet, check out Bankrate’s picks for the best credit cards for Delta flyers in 2020:

• Best with no annual fee: Delta SkyMiles® Blue American Express Card
• Best for casual Delta flyers: Delta SkyMiles® Gold American Express Card
• Best for frequent flyer perks: Delta SkyMiles® Platinum American Express Card
• Best for airport lounge access and elite status: Delta SkyMiles® Reserve American Express Card
• Best for business travelers: Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Blue American Express Card

• Earn 10,000 bonus miles when you spend $500 on your card within three months of account opening
• Earn 2x miles on dining and Delta purchases and 1x miles on all other purchases
• No annual fee and no foreign transaction fees
• Receive 20% back on in-flight purchases

Why it’s the best with no annual fee

The Delta SkyMiles® Blue American Express Card is the only co-branded Delta credit card that never charges an annual fee, yet you’ll give up some perks and rewards along the way. You do get the chance to earn a small welcome bonus, and you’ll earn 2X miles on Delta purchases and restaurant purchases made with your card. Other than that, you’ll only earn 1X miles on regular purchases. The only real cardholder perk you receive is the 20 percent discount (in the form of a statement credit) on in-flight purchases of food, beverages and audio headsets.

Along with having no annual fee, this card comes with no foreign transaction fees. A handful of consumer protections make it more valuable for your spending, including purchase protection against damage or theft and extended warranties.

Delta SkyMiles® Gold American Express Card

• 40,000 Bonus Miles after you spend $1,000 in purchases in your first three months; plus, up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first three months
• Earn 2x miles on Delta purchases, restaurant spending and U.S. supermarket spending, along with 1x points on other purchases
• Earn a $100 Delta flight credit when you spend $10,000 on your card within a calendar year
• Free checked bag on Delta flights, 20% back on in-flight purchases and priority boarding
• $0 introductory annual fee for the first year, then $99

Why it’s best for casual Delta flyers

The Delta SkyMiles® Gold American Express Card doesn’t charge an annual fee the first year, yet you’ll receive some substantial frequent flyer perks that can help you save money or travel more comfortably. These include a free checked bag for you and up to eight people on your itinerary, Main Cabin 1 boarding on Delta flights and 20 percent back on in-flight purchases made with your credit card.

The welcome bonus on this card could be enough for a round-trip domestic flight, and you’ll earn 2X miles in more categories — including ones like dining and U.S. supermarket spending where you may be able to earn plenty of miles over time. The Delta flight credit you can earn toward a future Delta flight is also worth pursuing if you fly often with the airline.

Delta SkyMiles® Platinum American Express Card

• 50,000 bonus miles, a $100 statement credit for eligible U.S. restaurant purchases and 5,000 Medallion® Qualification Miles (MQMs) after spending $2,000 in purchases within the first three months
• Earn 3x miles on Delta purchases, 2x miles at restaurants and U.S. supermarkets and 1x miles on other purchases
• Receive a free checked bag on Delta flights, priority boarding, an annual companion certificate upon renewal and a fee credit toward Global Entry or TSA Precheck
• $250 annual fee

Why it’s best for frequent flyer perks

The Delta SkyMiles® Platinum American Express Card does have a higher annual fee at $250, but you’ll get plenty of benefits in return. For starters, there’s a free checked bag perk for you and up to eight companions on your itinerary, but you’ll also get priority boarding and a fee credit toward Global Entry or TSA Precheck membership.

The annual companion certificate, which is good for a domestic main cabin round-trip flight, can also be a big money-saver if you fly with Delta often.

Delta SkyMiles® Reserve American Express Card

• Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
• Earn 3x miles on Delta purchases and 1x miles on other purchases
• Receive complimentary membership to Delta Sky Clubs and the American Express Centurion Lounge
• Receive an annual companion certificate upon renewal, a fee credit for Global Entry or TSA Precheck, upgrade priority, a first checked bag free on Delta flights and other frequent flyer perks
• $550 annual fee

Why it’s best for airport lounge access and elite status

The Delta SkyMiles® Reserve American Express Card comes with automatic membership to Delta Sky Clubs, but you can also visit American Express Centurion Lounges in destinations like Houston and Las Vegas. While the $550 annual fee on this card is high, membership to Delta Sky Clubs starts at $545 for the year. And remember, you’ll also receive other lucrative benefits like upgrade priority, a fee credit for Global Entry or TSA Precheck membership and an annual companion certificate good for a first class round-trip domestic flight when you pay for the first fare.

This card is also ideal for consumers who want to pursue elite status with Delta. Status Boost lets you earn 15,000 more MQMs each time you spend $30,000 on your card within a year (up to four times per year until 12/31/2021). You also receive a MQD waiver that lets you avoid the spending requirement for elite status.

Delta SkyMiles® Reserve Business American Express Card

• Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 on your new Card in your first 3 months.
• Earn 3x miles on Delta purchases and 1x miles on other purchases; graduate to earning 1.5 miles on regular purchases after you spend $150,000 on your card within a calendar year
• Receive Delta Sky Club and American Express Centurion Lounge access, along with a domestic First Class companion certificate upon renewal, a first checked bag free, a fee credit for Global Entry or TSA Precheck, priority boarding and more

Why it’s best for business travelers

The Delta SkyMiles® Reserve Business American Express Card is ideal for business travelers who spend a lot of time in airports. Not only do you get access to Delta Sky Clubs when you fly with Delta, but you can also visit American Express Centurion Lounges with your membership. While the $550 annual fee is high, airport lounge membership more than makes up for the fee. You also get perks like a domestic first class companion certificate, a first checked bag free, a credit toward Global Entry or TSA Precheck and more.

Like the personal version of this card, the Delta SkyMiles® Reserve Business American Express Card also gives you a leg up in your pursuit of elite status. You can also earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4x per year getting you closer to Medallion Status with Status Boost®. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That’s in addition to the 15,000 MQMs that you would earn with Status Boost.

Consider other cards with transferable points

American Express Membership Rewards is the premier program that lets you transfer points to Delta at a 1,000:1,000 ratio and plenty of American Express credit cards let you earn this type of rewards. For example, you could check out the American Express® Gold Card , The Platinum Card® from American Express or the The Blue Business® Plus Credit Card from American Express — three cards that make up the popular Amex trifecta.

Also consider the Chase Ultimate Rewards program , which lets you transfer points 1:1 to Air France / Flying Blue, a Delta partner. With the Flying Blue program, you can redeem as little as 50,000 miles to fly round-trip from the U.S. to Europe on Delta metal. Not only that, but the Chase Ultimate Rewards program lets you redeem your points for any flights you want through their portal, including Delta flights.

Credit cards to consider that let you earn Chase Ultimate Rewards points include the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card , among others.

How to choose the best Delta SkyMiles credit card

If you’re feeling overwhelmed by the number of Delta credit cards available to you, make sure to consider all the important factors that help each card stand out. Here are some details you should compare and contrast to find the right card for your needs:

• Do you want to pay an annual fee? If you don’t want to pay an annual fee or you want to pay an annual fee that’s on the lower end, this is important to consider. The two lowest tier Delta-branded credit cards still let you earn miles and cardholder perks without a high annual fee, but you’ll give up some benefits along the way.
• How important is airport lounge access? If you want airport lounge access as a cardholder perk, you’ll need to pay $550 per year to have the Reserve personal or business credit card. Either of these cards let you enter Delta Sky Clubs or Amex Centurion Lounges when you fly with Delta.
• Do you plan to pursue elite status? If you want your credit card to help you achieve elite status, you’ll need to consider the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card. Both give you a boost with some Medallion Qualification Miles (MQMs) in your welcome offer. However, the Reserve card also lets you earn more MQMs each time you reach a spending threshold with your credit card.
• Which frequent flyer benefits do you want the most? Make sure any Delta credit card you’re considering offers the perks you want the most, whether that includes a free checked bag, priority boarding, a credit toward Global Entry or TSA Precheck or important travel insurance benefits.

Frequent flyer guide to Delta SkyMiles

How much are Delta SkyMiles worth?

Delta Air Lines partners

Guide to Delta business travel

Guide to Delta One and Delta First Class

Guide to Delta SkyMiles Shopping portal

The Pros and Cons of the Delta Reserve Card From American Express

By Kim Hawk

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Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers. Compensation does not impact how or where cards appear on the site. We don't review or include all companies, or all available products. Moreover, the editorial content on this page was not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are entirely those of Condé Nast Traveler's editorial team.

My introduction to travel credit cards began with Delta co-branded American Express cards. In 2008, I signed up for the Delta SkyMiles® Gold American Express Card during a flight to Puerto Rico . Fast forward to 2023, and I upgraded from the Delta SkyMiles® Platinum American Express Card to the Delta Reserve® Credit Card from American Express to maintain Medallion status and access to Delta Sky Clubs. This upgrade made perfect sense as I fly Delta often—my home airport happens to be the airline's main hub. Signing up for this card even rewarded me with enough points for a round-trip flight from Atlanta to Paris .

This card is a no-brainer if you’re a Delta loyalist like me, but it can be a good option for other frequent travelers, too. Keep reading to learn about the card's benefits and determine whether it's worth adding to your wallet.

Is the Delta SkyMiles® Reserve American Express Card worth the $650 annual fee?

Shortly after I signed up for the card, Delta announced an increase in the annual fee from $550 to $650. Initially, I was disappointed, but the more I understood the increase in benefits that come with the price tag, the more I realized this card is worth the hefty fee. Before upgrading from the Delta SkyMiles Platinum to the Delta SkyMiles Reserve card, I considered a few factors. At the time, the Delta SkyMiles Platinum Amex had an annual fee of $250 (it’s now $350). While I had the card, I paid for entry into the SkyClub a few times. At $50 per visit, that added up.

With access to SkyClubs included with the Delta SkyMiles Reserve Amex card and the enhanced companion pass, frequent use of the perks easily offset the $650 annual fee.

Additionally, while this card does not offer a high mileage earning rate per dollar spent (more on that below), it does help me reduce flight costs. I usually pair the Delta SkyMiles Reserve card with the Hilton Honors American Express Surpass® Card or the IHG® Rewards Club Premier Credit Card to maximize my travel savings.

Another important factor is that this card accelerates the attainment of Silver Medallion status by providing $2,500 toward the $5,000 MQD requirement (I’ll explain this further below too). Because it's the lower tier, people often overlook the perks of Silver Medallion status, but they're worthwhile for frequent fliers: Cardholders get priority boarding and a discount on CLEAR Plus membership , which renews each year you have the card.

Delta SkyMiles® Reserve American Express Card benefits and perks

• Luxury lounge access: Cardholders get complimentary unlimited access to Delta Sky Clubs and American Express Centurion Lounges, and will receive four one-time-use guest passes each year. Starting on February 1, 2025, the unlimited access benefit will be reduced to 15 visits per year unless you spend $75,000 or more in eligible purchases on the Delta SkyMiles Reserve card between January 1, 2024, and December 31, 2024. After the 15 visits have been exhausted, you can purchase additional visits at $50 per person.
• Medallion Status fast track: Recently, Delta revamped its system for earning medallion status in 2025 and beyond. Previously, to earn Medallion status, SkyMiles members had to meet specific threshold qualifications in two categories: MQMs (Medallion Qualification Miles) and MQDs (Medallion Qualifying Dollars). The process has been simplified to only measure MQDs. For 2025 status, the MQD thresholds range from $5,000 MQDs for Silver Medallion status to $28,000 for Diamond Medallion status. With the Reserve’s MQD Headstart & Boost benefit, cardholders will receive a $2,500 head start toward the threshold for earning Medallion Qualification Dollars (MQDs) each year and will earn one additional MQD for every $10 spent on the card.
• Companion certificate : Cardholders receive an annual companion certificate for a free domestic, Caribbean, or Central American roundtrip flight in First Class, Delta Comfort+®, or Main Cabin for a friend booked on the same flight.
• $240 Resy credit : Receive up to $20 in monthly statement credits at participating US Resy restaurants. Plus, unlock exclusive reservations with Global Dining Access by Resy.
• $200 Delta Stays credit: Book a hotel stay and get up to $200 back on prepaid hotels or vacation rentals booked through Delta Stays.
• $120 rideshare credit: Streamline your commutes and earn up to $10 in statement credits each month on rideshare purchases in the US with select providers.
• TakeOff 15: Save on travel booked with points with a 15% discount when using miles to book Delta flights through the airline’s website or app.
• Complimentary upgrade list : Even without Medallion Status, cardholders can be added to the upgrade list after Delta’s elite members to potentially be bumped up into Comfort Plus or First Class.
• Fee credit for TSA PreCheck/Global Entry: Breeze through security with a statement credit to cover the application fee for either program. You’ll receive a $100 statement credit for Global Entry and up to $85 for TSA PreCheck.
• Hertz President’s Circle Status: Elevate your car rentals with complimentary Hertz President’s Circle Status, offering exclusive benefits like priority service and vehicle upgrades.
• No foreign transaction fees: There are no extra fees on international purchases.

Current welcome offer

New applicants can currently earn 60,000 bonus miles after making $5,000 in purchases during the first six months of card membership.

Book a Delta flight with your Reserve card and earn three points per dollar.

How to earn miles

Cardholders earn three miles for every dollar spent (3X) with Delta and one mile (1X) for all other purchases. While there aren’t many options for earning extra miles through card spending alone, you can maximize your miles accumulation by “double dipping” on certain buys within the Delta SkyMiles Shopping portal. When using the Delta Reserve card for purchases in said portal, you'll earn at least one mile per dollar spent; depending on the retailer, though, earnings can be anywhere from 1X to 9X per dollar. I’ve double-dipped using the Delta SkyMiles Reserve card to purchase electronics and appliances from Samsung in the portal, earning around 5,700 SkyMiles this way.

How to redeem miles

Cardholders have options when it comes to redeeming SkyMiles for flights. You can redeem the total miles needed for the flight or opt for the cash and miles method. As a cardholder, when you redeem miles in increments of 5,000, you'll receive a $50 discount for each increment applied to the cost while booking a flight. I usually book a domestic flight using 10,000 miles to get a $100 discount. This allows me to space out mile redemptions for future trips.

Additionally, I watch for Delta Flight deals , where trips paid for with miles often come with a 15% discount. By strategically combining these methods, I can maximize the value of my SkyMiles and stretch out the benefits of the signup bonus. Recently, I took advantage of a sale and booked a roundtrip ticket from Atlanta to Paris for just 75,000 SkyMiles. The cash value of the flight was $707.

What I wish I knew before signing up

Most perks are unavailable if you buy the cheapest Delta fare, Basic Economy (fare class E); in these seats, you are not eligible for the complimentary upgrade list, nor can you access the Delta SkyClub or use the companion certificate.

I am excited about the new Hertz Club President’s Circle status benefit. I frequently use Hertz for rental cars. This benefit helps me skip the counter at the airport and makes me eligible for complimentary upgrades when available.

Over the years, I’ve witnessed the gradual removal of perks from other Delta SkyMiles American Express cards. At one point, I could access Delta Sky Clubs with a Delta SkyMiles Gold card. However, with all the credits and benefits the Delta SkyMiles Reserve card provides, this card is here to stay in my wallet for now.

See rates and fees for the American Express cards listed: Delta SkyMiles Gold , Delta SkyMiles Platinum , Delta SkyMiles Reserve , Hilton Honors Surpass

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers.

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Delta SkyMiles Gold AmEx vs. Chase Sapphire Preferred: Sapphire Flies Higher for Most

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The choice between the Delta SkyMiles® Gold American Express Card and the Chase Sapphire Preferred® Card comes down to how you travel.

If you primarily fly Delta, the perks from the Delta SkyMiles® Gold American Express Card make it worth holding. As you might expect from a co-branded airline credit card , it offers perks, including free checked bags and priority boarding. Terms apply ( see rates and fees ).

The Chase Sapphire Preferred® Card is a general travel rewards card and can't match those kinds of airline-specific perks. But if you don’t want to tie yourself down to a particular airline, it's a far more versatile and valuable choice.

The card earns elevated rewards on all travel, plus many popular everyday spending categories. It offers extra travel perks, like an annual hotel credit and anniversary bonus that you don’t find on the Delta SkyMiles® Gold American Express Card . Plus, you have more flexible redemption options — including hotels — and you'll get 25% more value when you redeem your points for travel booked through Chase.

The choice comes down to whether you prefer to be monogamous to one airline or you want to play the field. But even Delta fans can find great value from the Chase Sapphire Preferred® Card for lodging and non-Delta flights. Plus, there’s nothing that says you can’t have both.

» MORE: Benefits of Delta Air Lines cards

At a glance

on American Express' website

on Chase's website

Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

2 miles per $1 spent on Delta purchases.

2 miles per $1 spent at restaurants worldwide.

2 miles per $1 spent at U.S. supermarkets.

1 mile per $1 spent on all other eligible purchases.

Terms apply.

5 points per $1 spent on all travel booked through Chase.

3 points per $1 spent on dining (including eligible delivery services and takeout).

3 points per $1 spent on select streaming services.

3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs).

2 points per $1 spent on travel not booked through Chase.

1 point per $1 spent on other purchases.

Through March 2025: 5 points per $1 spent on Lyft.

First checked bag is free for you and up to 8 other passengers traveling on the same reservation.

Priority boarding.

20% savings on eligible in-flight purchases.

$200 Delta flight credit, good for future travel, after you spend $10,000 in eligible purchases in a calendar year.

A $50 annual credit on hotel stays purchased through Chase.

Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year.

1:1 transfer partners, including United, Southwest, JetBlue, Marriott and Hyatt.

Complimentary DashPass subscription for DoorDash for at least one year (must activate by Dec. 31, 2024).

Both of these cards have premium versions that charge higher annual fees but offer more perks. They are the Chase Sapphire Reserve® and the Delta SkyMiles® Reserve American Express Card .

Why you might want the Delta SkyMiles® Gold American Express Card

Free checked bags.

Free checked bags can be a valuable perk, especially since up to eight of your travel companions on the same reservation can also check their bags for free. Without this benefit, you'd pay $30 one way for the first checked bag and $40 for each additional one. So if you and a companion were to take only one roundtrip Delta flight per year and you both checked a bag, you'd owe $120. The annual fee on this card costs you less than that: $0 intro for the first year, then $150 . Terms apply.

NerdWallet values Delta miles at 1.2 cents each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 1.2 cents or more in value from your Delta miles.

» MORE: Airline credit cards that offer free checked bags

Other Delta perks

Cardholders also enjoy benefits that can smooth out the stresses of air travel: priority boarding, 20% off in-flight purchases and a $200 Delta flight credit if you spend more than $10,000 in a calendar year on the card. Terms apply.

» MORE: Is the Delta SkyMiles® Gold American Express Card worth its annual fee?

Why you might want the Chase Sapphire Preferred® Card

More rewards for everyday spending.

While the Delta SkyMiles® Gold American Express Card offers 2 points per $1 spent at restaurants and U.S. supermarkets, in addition to Delta purchases, the Chase Sapphire Preferred® Card outshines it in these categories. The card offers 3 points per $1 spent at restaurants and on online grocery purchases, in addition to at least 2 points per $1 spent on all travel, not just Delta purchases.

Higher potential rewards value

Much of your everyday spending is more rewarding with the Chase Sapphire Preferred® Card — but it gets better. Normally, your points are worth a penny each when redeemed for cash back, but with this card, you can redeem points for travel via the Chase online portal at a rate of 1.25 cents per point. That's a lot of bang for your buck.

» MORE: Benefits of the Chase Sapphire Preferred® Card

Flexible redemption options

With the Chase Sapphire Preferred® Card , you can’t use your rewards to book flights directly with Delta. But you can do so if you go through Chase's online travel portal first. And you're not limited to Delta flights; you can book with a variety of airlines, hotels and car rental companies this way, and at a rate of 1.25 cents per point, as noted above.

Or you can transfer your points to any of several airline and hotel travel partners on a 1:1 basis. Transferring can often yield higher value for your points. Partners include Southwest, United, British Airways, Air France/KLM, Marriott and Hyatt, among others. Although Delta isn’t a partner, there’s a workaround: You can transfer points to a Delta partner airline, such as Air France, and book the Delta flight through that carrier.

» MORE: How to make the most of the Chase Sapphire Preferred® Card

While neither card charges a foreign transaction fee, the Chase Sapphire Preferred® Card might be easier to use abroad since it runs on the Visa payment network, which has wider international acceptance than American Express.

Which card is right for you?

When you’re planning a trip, do you always check Delta Air Lines first and usually end up booking that airline? If so, the Delta SkyMiles® Gold American Express Card is probably an ideal fit for your travel needs. You'll enjoy the perks such as priority boarding and free checked bags, as well as rewards on everyday spending. Just make sure you're using the perks enough to justify the cost of the annual fee.

But if your go-to flight-booking strategy is to compare prices and schedules across multiple carriers and then choose the one that works best for your budget and circumstances, the Chase Sapphire Preferred® Card will be a better fit.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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.

Best no annual fee travel credit cards of April 2024

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

Special feature.

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page  

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

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 travel rewards credit cards

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Airline credit cards vs. travel credit cards: Which are best?

C redit cards aimed at travelers come in various forms, the two most popular being airline credit cards and travel credit cards . While both types of cards can help you pay for travel, several differences may affect your choice.

Choosing a card that best suits your travel needs can be challenging considering how competitive the landscape has become regarding welcome offers, card rewards and other benefits. We review the ins and outs of airline and travel credit cards to help you determine which type of card is right for you.

What is an airline credit card?

Airline credit cards are cobranded cards offered by the issuer and a partner airline that provide benefits for flying with that specific airline. Airline credit cards earn miles associated with the airline's frequent flyer program , which you can redeem for flights on that carrier or its partner airlines.

The annual fee for airline credit cards can range from no annual fee to upward of $500. Usually, an airline credit card with a higher annual fee includes impressive benefits such as increased earning rates, free checked bags and statement credits, among other perks.

For example, the United Quest℠ Card has an annual fee of $250 and offers 8 miles per dollar spent on United Airlines purchases, up to $125 annual statement credit for United purchases, priority boarding and other impressive benefits.

Related: Are airline credit cards worth it anymore?

Pros and cons of airline credit cards

When comparing airline and travel credit cards, there are several reasons why you might prefer an airline credit card. Although not an exhaustive list, the following table highlights the pros and cons of airline credit cards.

When does an airline credit card make sense?

Several factors may play a role in dictating whether an airline credit card makes sense. As a cardholder, if you live near an airport with a hub for a specific airline, having a card for that airline makes sense to maximize your benefits.

For example, residents who live near Chicago's O'Hare International Airport (ORD), a United hub, should consider a United credit card , such as the United Club℠ Infinite Card or the United℠ Explorer Card , to take advantage of lounges, free checked bags, priority boarding and redemption options for award flights.

If you don't live near an airline hub and aren't committed to a particular carrier, an airline credit card might not be your best option.

Related: The best credit cards to reach elite status

What is a travel credit card?

A travel credit card earns rewards on all purchases, including bonus-earning categories. You can use your rewards to book flights, hotels, rental cars and more. A travel credit card earns rewards within the issuer's own ecosystem rather than through a specific airline frequent flyer program.

Examples of credit card programs include American Express Membership Rewards , Chase Ultimate Rewards , and Capital One Miles .

Annual fees for travel credit cards can range from nothing to $700, corresponding to the card's perks and benefits. Typically, the higher the annual fee, the more valuable the benefits, whereas the lower the annual fee, the opposite is true.

For example, The Platinum Card® from American Express has an annual fee of $695 (see rates and fees ) but offers perks and benefits that can easily top $1,000. Benefits include an annual up to $200 hotel credit, an annual up to $200 airline credit, up to $100 Saks Fifth Avenue statement credit (up to $50 in statement credits from January through June and up to $50 in statement credits from July through December; enrollment required), a TSA PreCheck or Global Entry application fee credit and an entertainment credit for select streaming services.

Travel credit cards can offer other travel-related perks, such as complimentary travel insurance, including emergency travel medical, trip delay or cancellation**, and baggage insurance***.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Related: The best time to apply for these 10 popular travel credit cards, based on offer history

Pros and cons of travel credit cards

Based on your personal preferences, travel credit cards may be more appealing than airline cards. Although not an exhaustive list, consider the following travel credit card pros and cons before you apply.

Travel credit cards maximize flexibility for cardholders thanks to their ability to earn transferable currency points . In addition to not being limited to one airline, you can often redeem your points toward hotels, car rentals, cruises, vacation packages and more.

As cards become more premium, so do their benefits, which translates to high annual fees. For example, the Chase Sapphire Reserve® comes with a $300 annual credit and Priority Pass lounge access but has an annual fee of $550.

When does a travel credit card make sense?

If you are flexible about the airline carriers you choose to fly with, a travel credit card makes sense. You'll benefit from bonus points for travel-related purchases, such as airfare, hotels, rental cars and sometimes parking meters and tolls.

When contemplating between travel and airline credit cards, remember that travel credit cards won't help you earn elite status, unlike some airline cards like the Delta SkyMiles® Reserve American Express Card and the Citi® / AAdvantage® Executive World Elite Mastercard® . The biggest benefit of a travel credit card is the flexibility you get when redeeming your points or miles.

Unlike an airline credit card, travel credit cards have a variety of transfer partners you can use to book your next adventure.

Related: How many credit cards should I have?

Should you get both?

Both airline credit cards and travel credit cards have pros and cons. For example, it pays to have an airline credit card if you regularly check bags for domestic flights, especially considering the increase in checked bag fees across numerous carriers . Meanwhile, travel credit cards offer various travel insurance coverages that can provide peace of mind while traveling.

My very first travel-orientated card was the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® because I found value in American Airlines' award chart and had several American flights lined up for the year in which I needed checked bags.

The information for the Citi / AAdvantage Platinum Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Soon afterward, I opened a Chase Sapphire Reserve for its lounge access, transfer partners and annual travel credit. Nowadays, I use both cards. However, since I have elite status with American, the Citi card's free checked bag is less important. That said, I still hold onto the card to earn American Airlines AAdvantage miles.

Bottom line

Both airline credit cards and travel credit cards offer benefits. They can offset travel costs and provide perks such as priority boarding, free checked bags, lounge access and various statement credits. We recommend choosing a card based on your travel needs and circumstances. You may even benefit from holding both types of cards, as long as you're maximizing the perks.

For rates and fees of the Amex Platinum, click here .

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

What the Wells Fargo Autograph Journey Visa Card offers

How other travel cards compare to the wells fargo autograph journey℠ visa® card, 3 key benefits cardholders get from the autograph journey , move over, chase sapphire preferred. this new travel credit card is turning heads.

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Credit Cards

Amex Gold vs. Platinum

Harrison Pierce

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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Published 6:16 a.m. UTC April 15, 2024

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The American Express® Gold Card (terms apply, rates & fees ) and The Platinum Card® from American Express (terms apply, rates & fees ) are two popular rewards cards offered by American Express. Both cards can have a place in your wallet, but should be used in different ways. The Platinum Card earns more points per dollar on flights booked directly with the airline or American Express Travel and prepaid hotel stays booked via American Express Travel than the Gold Card, but the Gold Card earns more at restaurants and U.S. supermarkets, so you’ll want to strategize where you spend with each card. 

The Platinum Card offers over $1,500 worth of annual statement credits that can easily offset its high annual fee. There are also numerous benefits across travel, dining and entertainment. Plus, cardholders gain access to the Global Lounge Collection (including Centurion, Delta Sky Club, Lufthansa, Plaza Premium and Priority Pass Select airport lounges), which can significantly enhance your travel experience. Similarly, the Platinum Card will be the best bet for someone looking for comprehensive travel protections and insurance. Enrollment is required for select benefits.

However, if you can’t justify the $695 annual fee on Amex Platinum card and still want a card that offers some travel protections and statement credits, you can go with the Gold Card. Let’s take a deep dive into the most significant differences with the Amex Gold vs. Amex Platinum cards. 

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The Platinum Card® from American Express

Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card Details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Amex Gold vs. Amex Platinum

Earning rewards.

The Amex Gold Card earns 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U.S., 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases.

If you have the Platinum Card, you can earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases. 

Winner for rewards: Tie

Redeeming rewards

With both cards, you can redeem your Membership® Rewards points when shopping at Amazon.com and other popular brands, for Airbnb gift cards, as a credit to cover a charge made on your card, as a deposit into an American Express® Rewards Checking account, for travel on American Express Travel, or transfer your points to several different travel partners. The exact value of a point will vary depending on your redemption method. 

Winner for reward redemption: Tie

Transfer partners

American Express has 11 airline partners and three hotel partners. You can transfer your Membership Rewards at a 1:1 ratio to Asia Miles, British Airways Executive Club, Delta SkyMiles, Emirates Skywards, Etihad Guest, Flying Blue, Iberia Plus, Qantas Frequent Flyer, SAS EuroBonus and Virgin Atlantic Flying Club. 

The following transfer partners have a different transfer ratio: 

• Singapore KrisFlyer: 3 Membership Rewards points = 2 KrisFlyer mile
• Marriott Bonvoy: 2 Membership Rewards points = 3 Marriott points
• Hilton Honors: 1 Membership Rewards point = 2 Hilton Honors points
• Radisson Rewards: 1 Membership Rewards point = 3 points

Note that some partners have a minimum transfer amount, and the transfer time can vary from one business day to 15 business days. Transferring your points is typically the best way to maximize your redemption value. Consider the transfer partners before applying for either card to see if you regularly fly with these airlines or stay at these hotels. 

Winner for transfer partners: Tie

Welcome offers

The Amex Gold Card currently offers 60,000 Membership Rewards points after spending $6,000 on eligible purchases in the first six months of card membership.

The Platinum Card offers 80,000 Membership Rewards Points after spending $8,000 on purchases in the first six months of card membership. 

As long as you can reach the spending threshold, either amount of points can undoubtedly take you places. 

Winner for welcome offer: The Platinum Card

Travel benefits

The amex gold card.

When you book a two-night minimum stay with The Hotel Collection through American Express Travel, you can receive a $100 experience credit to use during your stay. The Gold Card also offers a baggage insurance plan and car rental loss and damage insurance as secondary coverage. Note that the baggage insurance plan only covers lost luggage, not delayed. 

The Platinum Card

The Platinum Card outshines the Amex Gold Card in terms of travel benefits. First, you can receive up to $200 as a statement credit each calendar year on select prepaid hotel bookings through American Express Travel. Plus, you receive complimentary room upgrades and a $100 experience credit for select activities during your stay. 

When flying, cardholders can access the American Express Global Lounge Collection, which includes over 1,400 lounges in 140 countries. These are high-end lounges, like the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select (enrollment required). 

One of the other travel benefits of the Platinum Card is the airline fee statement credit, which allows you to select one qualifying airline and receive up to $200 in statement credits per calendar year when you are charged incidental fees. 

Cardholders can also quickly make it through the airport with a $189 CLEAR ® Plus credit each calendar year and an enrollment fee statement credit for Global Entry or TSA PreCheck (up to $100). Platinum cardholders receive Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status and premium status with popular car rental companies Avis, Hertz and National. Enrollment is required for select benefits. 

In terms of insurance coverage, the Platinum Card includes secondary car rental loss and damage insurance², trip delay insurance⁴ and trip cancellation and interruption insurance⁴. You’ll also have access to the Platinum Travel Service to help plan your trips.

Winner for travel benefits: The Platinum Card

Dining and entertainment rewards

The Amex Gold Card offers up to $10 in monthly statement credits for purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations, up to $120 per calendar year (enrollment required). Cardholders also receive $10 in Uber Cash each month, up to another $120 annually (card must be added to Uber account to receive this benefit). Taking full advantage of these statement credits almost entirely covers the card’s annual fee. 

The Platinum Card offers numerous dining and entertainment benefits that can provide substantial value. Cardholders can receive up to a $20 monthly statement credit for eligible purchases from the following digital entertainment providers: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Similarly, cardholders receive $15 in Uber Cash each month, plus a bonus $20 in December, for rides or UberEats orders in the U.S. Cardholders also have exclusive access to reservations on Resy. Enrollment is required for select benefits. 

Winner for dining and entertainment rewards: Tie

Shopping perks

You’ll get access to Amex Offers with both the Amex Gold and Platinum Card. 

In addition, the Amex Gold offers purchase protection¹ and extended warranty coverage¹, which can be very useful coverages, but doesn’t offer much else in terms of shopping perks.

The Platinum Card offers purchase protection and extended warranty coverage¹, as well as cellphone protection⁴ and return protection. It also comes with a slew of other shopping benefits such as a $155 Walmart credit to cover the cost of a Walmart+ membership (subject to auto-renewal), plus up to $100 in statement credits annually for purchases made at Saks Fifth Avenue (up to $50 in statement credits semi-annually). Cardholders also receive up to $300 in statement credits each year for an Equinox+ digital subscription or Equinox club membership (subject to auto-renewal), as well as a $300 statement credit towards the purchase of a SoulCycle at-home bike. (An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Cardholder must charge the full price of the bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment required). 

Winner for shopping perks: The Platinum Card

There’s a noticeable difference in the annual fees for these cards. The Amex Gold Card has an annual fee of $250, while the Platinum Card will cost you $695 each year. That’s more than double the cost just to hold the card. 

You can easily offset the annual fee of either card by making the most of available statement credits and cardholder perks. 

Additional cardholders on the Amex Gold are complimentary up to 5 authorized users, then $35 for additional cardholders, while every authorized user you add to the Platinum Card will cost $195.

Neither card charges foreign transaction fees.

Winner for fees: Amex Gold Card

Who should choose Amex Gold?

The Amex Gold Card may be a good fit for you if:

• You are looking for a mid-tier rewards card and want to avoid a high annual fee. 
• You regularly ride with Uber or order UberEats and dine at eligible restaurants for the dining credit and can utilize the annual statement credits.
• You spend big on restaurants, groceries at U.S. supermarkets and travel-related expenses so you’ll benefit from the high earning rates in these categories.

American Express® Gold Card

• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Up to $240 in combined credits for Uber Cash and on select dining.
• High rewards rate on restaurants, U.S. supermarkets, and travel.
• Generous welcome bonus.
• $250 annual fee.
• Minimal travel perks.
• Complex rewards structure.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Who should choose Amex Platinum?

The Platinum Card could be the best choice for you if:

• You will actually use all of the annual statement credits — if you take the time to enroll and maximize your credits, you can get more than $1,500 in value from credits alone.  
• You regularly book flights, hotels and car rentals and would benefit from high rewards rates in these categories.
• You’re a regular guest at Marriott, Hilton or other luxury properties where you’ll receive status and other benefits. 

Which card should you get?

Both the Amex Gold and Platinum cards are fantastic options for frequent travelers and they’re two of the most popular reward cards for different reasons. One isn’t automatically better than the other for everyone. To pick the right one for you, consider the cards you currently have in your wallet. Look for potential gaps in your points and miles strategy to see which card makes more sense. 

You should also analyze your monthly spending and your travel and financial goals. While the Platinum Card offers many more benefits than the Amex Gold Card, it also comes with more than double the annual fee. While long lists of perks can be very enticing, it’s essential to make sure you’ll actually use them in order to offset the higher cost. 

Of course, you don’t have to choose between them. These cards also pair very well together to deliver the best of both worlds. Plus, you can combine points earned from each card. 

Frequently asked questions (FAQs)

One card is not better than the other. The best card for you will depend on your spending habits and travel needs. While the Gold Card offers bonus categories for restaurants and groceries at U.S. supermarkets, the Platinum Card is more travel-focused and offers more annual statement credits for a much higher annual fee. 

No, the Amex Gold Card does not provide any lounge access. 

American Express will consider many factors when reviewing your application. However, you should have a good to excellent credit score to improve your chances of getting approved. On the FICO model, this is a credit score of 670 or more. 

The Amex Gold Card does not have a preset spending limit , nor does the Platinum. This means the amount you can spend will adapt based on multiple factors, like your purchase, payment and credit history. 

Whether the $695 annual fee for the Amex Platinum is worth it will depend on your spending habits. If you can take advantage of the statement credits, you can likely wholly offset the annual fee. However, you might be better off with a different card if you don’t purchase many flights and hotel stays throughout the year. 

For rates and fees for the American Express® Gold Card please visit this page .

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

⁴Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 

Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Harrison Pierce is a freelance writer and digital nomad that is passionate about all things personal finance and travel. While traveling full-time, he refined his love for writing and now enjoys working with various brands to tell stories and create meaningful content.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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