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Why you should adopt a personal travel quest

I believe that travel quests are one of the best ways to inspire more travel. In fact, the original name of this blog was originally going to be VisitEveryPark.com—an ode to the quest that inspired so much of my own travel. That’s how powerful I think quests can be to getting out and adventuring more.

Virtually everyone I know that travels frequently for pleasure is pursuing at least one personal travel quest. But that doesn’t mean that their travel is always focused on those quests. Quests just tend to inspire you get out and adventure more.

So if you want to travel more, try adopting a travel quest of your own. Here’s everything you need to know to get started.

The two types of quests

Personal quests are divided into two main types: ones that “count down” and ones that “count up.” Some quests work better for counting down while others are better for counting up.

Quests that count down

Quests that count down usually take the form of “Visit all of the ________.” As in,  visit all 50 states,   visit every National Park unit , or  visit every craft brewery in the state . There are a finite number of stops baked into the goal, and you’re usually trying to visit all of them . So you’re counting down how many you have left. Now, that doesn’t mean that the quest number stays static—it may not. For instance, when I started my National Parks quest, there were 379 units, whereas today, there are 417. But while the number may change, my personal goal really does stay the same: to visit all of the National Park units (however many that may be right now).

These types of quests are my favorite, but they’re a bit harder, as you don’t have any flexibility of which places are included. That’s a big part of the challenge, and often requires a little strategy and foreplanning to pull off so that you don’t “orphan” something off by itself that would require an additional trip.

Quests that count up

Quests that count up (e.g., “visit 100 countries before I turn 50”) are still focused on a goal, but usually involve just a subset of the available destinations. For instance, visiting 100 countries is a big task, but it’s quite a bit easier than visiting every country. These quests usually have a more specific deadline than “visit them all” style quests, often related to one’s age. In addition, this type of quest is regularly expanded once the initial goal is reached. To continue the example, if you successfully visit 100 countries, you might extend the goal to 150 countries—or possibly even shift to a “counting down” quest and try for all the countries.

What about bucket lists?

I don’t consider bucket lists, at least as they’re traditionally defined, to be travel quests. Bucket lists are usually a rather random collection of destinations to visit, activities to complete, experiences to have, and accomplishments to achieve. They’re a personal list of things to do before you die, where the items have no direct relationship to one another. Bungee-jumping, visiting the Taj Mahal, and earning a master’s degree are too different of things to be considered a quest. Don’t get me wrong, I think a bucket list is a worthwhile goal to pursue. It’s just something different than a travel quest, so I won’t cover them in this post.

Do challenges count?

Similarly, I usually don’t consider personal challenges—like the popular 52 Hike Challenge —as quests, mostly because they tend not to be tied to specific destinations. Depending on the details of the challenge, however, they might be closely related and therefore share some of the traits I mention below. I’ll address these personal challenges in a future post.

Travel quests help you travel more

Several qualities of travel quests help inspire travel. Here are some of the ways that quests have helped to inspire me to travel or adventure more often.

Quests ensure that you experience new places

It’s easy to go back to the same ol’ places when you travel. You know what to expect. You know how to get there. You know, generally, how the trip will go. It’s comfortable and easy. It doesn’t need as much planning, or require new gear purchases, or create any anxiety or angst. It’s safe and familiar.

But it also doesn’t expand your horizons, or teach you anything new, or provide you with an exciting new experience. In some ways, you lose out on quite a few of the inherent benefits of travel. Quests, on the other hand, help inspire you to visit different places, attempt new activities, adopt new perspectives, and expand both your skills and your comfort zone. That, in turn, helps expand your confidence to travel to even more places. The more you travel, the easier it gets.

Quests force you to go to places you might not otherwise go

A related benefit of quests is that they force you to go to places you might not otherwise visit. Not everyone would see that as a benefit, but you might be pleasantly surprised with places you had no intention of visiting. For instance, I had zero interest in visiting Topeka, Kansas— zero —but had to visit Brown vs Board of Education National Historic Site for my national parks quest. As a white male, I had never really understood what racism felt like, nor had I really sought out any experiences to learn. However, that visitor center had an amazing video display in a hallway that made you feel like you were one of the Little Rock Nine . It was one of the most enlightening experiences of my life. That’s just one of several examples I could point to.

Quests impose some structure to your travels

Another benefit of quests is that you always have something on your “To Visit” list. It’s easier to plan trips because you always have something on the agenda. Some people end up not traveling as often as they’d like simply because it’s hard to narrow down the glut of available options—a sort of paradox of choice . Quests, however, can help impose some sidebars to your travels. You know that you want to make progress on your quest, so you’ve already limited available destination options to a more manageable number.

Quests serve as a goal

Quests provide an inherent incentive to travel more—a motivation to complete the quest by the deadline. As a result, you’re more likely to pursue travel when opportunities arise. Let’s face it, there are always plenty of barriers to travel; staying home is far easier than planning and completing a trip. Having a running goal helps ensure that there’s a bit more impetus for making that trip idea come to fruition.

In a similar fashion, quests tend to inspire you to add more to your trip itinerary. “Hmm, what else could I mark off while I’m in the area?” is a common thought to someone with a quest. When you develop that attitude, you tend to bypass the barriers to travel that keep others at home.

Quests often contain some social pressure

Once you start to make some progress on your quest, especially if you do so publicly on a blog or on social media, you begin to generate a bit of public pressure to continue. This social reinforcement helps keep you on track and making progress. The more “public” your quest, the more reinforcement you get. Once friends and acquaintances learn of your quest, you’ll likely get future inquiries on your recent progress—which helps to motivate you to keep marking off destinations.

Quests make unfun travel “worth it”

If you’ve done any amount of travel, you know that it’s not all fun. Sometimes, it can be an absolute slog. The weather doesn’t cooperate, you get stuck in traffic during your drive, you have to endure extended flight delays, and so forth. These delays and annoyances are a bit more tolerable if your trip involves making progress on a quest; after all, you’re still completing something important to you.

Conversely, having a subpar experience while marking off a quest objective also makes you better appreciate the places that were great experiences.

Quests inspire more quests

Just as travel tends to inspire more travel, adopting travel quests tends to lead to even more quests. It’s an interesting phenomenon—the more success you have completing your own personal quest, the more interested you get in adopting new quests or expanding your current quests. Travel inspires travel. The more places you check off your list, the more you add back onto it.

Quests make you feel accomplished

Completing one’s goals usually leads to feelings of personal satisfaction. And finishing a big travel quest? Well, “feeling accomplished” might be an understatement. Now, it’s a great feeling to finally complete a quest, even if it’s not the most challenging one on your list. But it’s absolutely true that the harder the quest, the greater the satisfaction. Either way, you’ll routinely smile with pride whenever you recount the accomplishment in the future.

In addition, I tend to get regular praise from both friends and acquaintances, who often introduce me to others as “the guy I told you about that’s trying to visit all the national parks.” Sure, some people will occasionally be jealous, but most come away impressed and supportive. As an excellent side bonus, those that hear your goals will be encouraged to travel more. Truth be told, it’s one of the main things that drives me to publish this site—I love the feeling of inspiring others to just get out more!

How to choose a travel quest

What’s your hobby.

Do you love old cathedrals? Maybe you should go see a bunch of them. Maybe you feel most alive when you’ve conquered a tall mountain peak? Sounds like you need to do some peak bagging. Do you enjoy eating at windowless Chinese restaurants located in sketchy Phoenix neighborhoods? Ehh, on second thought, maybe you should skip that one—that would be a ridiculous quest, right? Anyway, the point here is to choose whatever sounds like it could be fun for you.

Or you can simply be open to the idea when you accidentally stumbled onto something interesting, as I often have. Sure, my early national park road trips quickly evolved into a broader quest to visit them all, and I’ve purposefully selected other quests for a specific reason. But my High Points of Otherwise Flat States quest arose from a friend’s simple tongue-in-cheek comment that I should climb Mount Sunflower while I was driving through Kansas. I thought to myself, “Sure, why not?” and proceeded to have a good chuckle when I made it to the so-called summit. And a quest was born.

Similarly, I thought it’d be funny to visit the World’s Largest Ball of Twine in Cawker City, Kansas on that same trip. I had a blast, and even ended up going to door-to-door in the town to find some twine so I could add to the ball. When I learned that two other twine balls also considered themselves to be the “World’s Largest?” Well, I obviously had to go and judge for myself. Bam! Another quest.

Sharing a quest with someone

Sharing a travel quest with a close friend or significant other is an excellent bonding experience. It’s fun to travel with people you enjoy spending time with, especially when you’re chasing the same goal. Sharing expenses, driving duties, and trip planning often makes it all a bit easier, too. But, just like sharing a popular tv show like Game of Thrones with someone, it’s also fraught with some potential downsides. Two people means that there can be twice as many barriers to travel, for instance—be it schedule conflicts, money woes, or a lack of motivation. It can be frustrating when you’re excited to mark off the next items on your quest only to have your friend bail due to last minute work demands. Are you even allowed to mark off a destination without the other person? And if your quest was a “special thing” in your relationship that just ended in heartbreaking fashion, well…do you keep pursuing it? Spending a few minutes thinking these things over before you commit to a joint quest is probably a good idea.

Can you have more than one quest?

Of course! I have quite a few quests I’m currently working on . Some of them are long-term and difficult to complete, such as visiting 50 countries before I’m 50, or visiting all 419 National Parks units . Others, like visiting all of Arizona’s State Parks, are far easier and can be accomplished on the weekends over the course of a year. I even have some “back burner” quests that I’ve adopted but aren’t actively pursuing at the moment (primarily because of other, higher priority quests).

Micro-adventuring using mini quests

Not all quests need to be difficult or require substantial travel to complete. Some can be local and easy to accomplish, like picnicking in every public park in your town. These type of mini quests can help lead to small, everyday adventures that can be surprisingly fun.

For instance, my friend Wayne and I actually did complete that local quest to visit every sketchy Chinese restaurant in downtown Phoenix, complete with our own hybrid rating system. It wasn’t hard to schedule several lunch visits over the course of a few months, but we had an absolute blast doing it. We even ran across a couple of legitimate gems…though the majority were definitely places to avoid. Our friends found the whole thing hilarious, so they’d often send us tips on possible restaurants to add to our quest list or check in to see when our next lunch was. The point here is that, no matter where you live, there are quests to be pursued.

Setting some rules

Exactly what is included in the list.

The first thing you’ll need to decide is what exactly is on the list you’re trying to complete. On the surface, this sounds rather elementary, but it can be more complicated than you might think. Let’s use the example of a quest to visit every brewery in your state. First, which breweries count ? Is it only locally-owned craft breweries, or are chain breweries included too? What about places that white label their brews, or ones that brew off-site? And keep in mind that these numbers might change as new breweries open and others close. Do you lose your “completed” status if another one opens the week after you finish them all? Or is your quest only focusing on the breweries that were in existence when you started the quest? A bit of thought will help sort this all out before you get started.

Exactly what counts as a visit?

Another important rule you’ll need to decide on is “what counts as a visit.” For instance, does a country visit count if you simply pass through its borders on a train and never deboard? Does it count if you drive across town to visit a craft brewery but they’ve inexplicably run out of their own beer? Are you allowed to count visits that occurred before you started the quest? These questions are best decided before you begin your quest—and trust me, they’re bound to come up along the way.

Here’s an important thing to remember: it’s entirely up to you to decide what rules you follow. If you want to count airport layovers as visiting a particular state, then by all means go right ahead. Your quest = your rules . Quests are for you, after all, not for anyone else.

Starting a tradition

I think traditions are particularly important components of quests. Some people dance , while others collect passport stamps , or repeat the same selfie in front of an entrance sign. Some bring a trinket or figurine that they photograph at each destination. It doesn’t matter exactly what you decide to do, but I’d recommend adopting at least one tradition for your quest. I tend to have several traditions for each quest I undertake. Some demonstrate my quest progress, such as holding up a sign of what park number I’m on. Others, like a selfie of me in front of the park sign, will be part of a fun slideshow when I’m finally done. Whatever you decide to do, the earlier you start these traditions the better.

Generating some evidence

Most travelers end up with some form of evidence of their various quest visits. For some, it’s a photograph of themselves at a famous landmark, or it might be a passport cancellation, or a national park passport stamp. Whatever tradition(s) you adopt, make sure that at least one of them produces some tangible evidence of your visit. While quests are for your own benefit—not for others—you’ll still appreciate this evidence by the time you approach your quest goal. Just trust me on this.

Keeping track of your progress

Bust out the spreadsheet.

You’ll definitely want to keep track of your quest progress, and spreadsheets tend to be the easiest way to do that. If you don’t own a copy of Excel or Numbers, there are free online versions such as Google Sheets or Excel Online . Spreadsheets are great for keeping track of more than just which destinations you’ve visited and which ones you have remaining. You can also keep track of a wide variety of other useful information, such as the date of your visit, links to any photos or videos you posted from the visit, or other details that’ll inform a future visit. Believe me, it’s a whole lot easier to create and use a system to keep track of your progress than having to go back and researching it each time.

Note: if you’re adopted a quest to visit all of the national parks, I’ve made a spreadsheet counting tool available at rscottjones.com/countparks . Download a copy or add it your Google Drive to edit it.

Know your number

You’ll always want to know what your current “number” is, meaning how far along your quest you are. When someone asks you for an update, you should be able to easily answer (“I’ve been to 88 countries, just 12 more to complete my quest!”). And when you mention your quest to someone, expect their first question to be how close you are to finishing. Also, by keeping track of where you stand on your quest, you’ll help stay motivated to continue increasing that number.

Establish and celebrate milestones

If you’ve adopted a long quest that’ll take a number of years (or even decades) to complete, then it’s worthwhile to add some intervening milestones to shoot for. I like attaching some deadline goals for some of these to help ensure that you remain on track for completing the larger quest. Be sure to celebrate completing each of these milestones, too—you deserve it.

Visualizing your progress

Visualizing your progress is an especially fun part of quests. If you’ve adopted a common quest, like visiting all of the national parks, visiting all 50 states, or marking off countries, you’ll have quite a few options at your disposal. There are a variety of products, from cork-backed wall maps to scratch off wall maps, and cork globes to image-generating apps—and quite a few other options, too. You can personalize your own paper map by taking a highlighter to the places you’ve been, or photoshopping a digital map, or by simply hanging postcards on the wall.

No matter which approach you choose, I recommend doing something to show the progress you’ve made. Not only is it a great reminder and motivator to keep at it, but it’s also a celebration of your efforts to date.

Documenting your journey

Depending on how you go about doing it, documenting your quest travels can seem nearly as time consuming as actually doing it. But that’s a big part of the experience, too. Most everyone takes photos and/or videos of their travels, and you should too. However, don’t rely solely on capturing everything via social media—and especially not in nondurable formats that disappear after 24 hours. These are memories you want to keep, after all.

I also strongly recommend blogging or journaling about your quest, too. Don’t worry if you’re not especially disciplined in doing it, or if you end up with big gaps. Something is better than nothing. Just the act of reflecting on your trip can make it more meaningful and tease out some unexpected insights. You may also come to appreciate the time you took to record a bit about your trips in subsequent years. Failing to do a better job of that and relying on memory recall alone is a common regret among longtime travelers.

Examples of popular quests

Probably the most popular quest of Americans is to visit all 50 states. Quite a few are also counting countries or national parks. Others are trying to catch a game in every MLB ballpark or NFL stadium. There really are a countless number of quests that you could adopt. I’ve included some sample ideas in the sections below to get your imagination primed.

• State/Regional

Local quests are excellent ways to explore beyond your own neighborhood. Many of these amount to “mini quests” that are easily accomplished over the course of a few weeks or months. Obviously, these quests vary substantially depending on where you live. If you live on Maui, then a quest might be to snorkel off every beach on the island; whereas if you live in Kansas City, it might be to eat at every BBQ restaurant.

Here are some ideas to get you thinking:

• Picnic in every city park
• Hike every official trail
• See a movie in every theater
• Play every golf course
• Swim in every public pool
• Enjoy a staycation at every resort
• Eat at every sketchy Chinese or Mexican restaurant *
• Sip coffee at every coffeeshop

* Not recommended.

Quests that cover your own state or province are probably the best ones to start with. They offer a bit more of a challenge than local quests, and there tend to be a sufficient number of destinations—such as counties or state parks—to make the quest both challenging yet accomplishable.

• visit every county
• enjoy a pint at every brewery or a glass at every winery
• tour each history or historical society museum
• hike in every designated Wilderness Area
• play a round at every golf course
• visit every state or provincial park
• cruise every scenic drive or backcountry byway
• explore every accessible  National Natural Landmark
• summit every county high point
• stay in each historical hotel
• enjoy every zoo
• conquer all the Colorado 14ers
• climb each of the New England 4000 footers
• summit the closest 50 peaks  to your house

Quests start to get quite a bit more challenging when they span the entire country. For many, this is the sweet spot for lifetime quests. You’ll end up doing a lot of domestic travel, but much of it can be done by car and you don’t have to worry about visas, currencies, or foreign languages.

• visit every state or province
• hell, visit every territory, too
• tour every National Park
• catch a game in each stadium or arena of your favorite sports league
• mark off every county
• drive every interstate highway segment
• tour every State Capitol building
• recreate in each National Forest
• visit all the sites associated with the Manhattan Project
• swim in all 5 Great Lakes
• take a selfie on every State High Point
• section hike a long distance trail
• marvel at all three World’s Largest Balls of Twine
• summit 500 total peaks
• Presidential birthplaces , gravesites, or libraries

Obviously, these quests tend to be the most difficult, as they require the most travel to complete. But, wow, what adventures you’d have!

• stay overnight in 100 countries (or all of them)
• snap a selfie in each of the Seven Wonders of the World
• pay your respects at the holy site of every major religion
• step foot on all 7 continents
• stand in line at every Disney theme park
• visit 100 UNESCO world heritage sites
• complete the Seven Summits
• call your mom from every country in Europe
• sail on every ocean
• visit a town in every timezone

Have you adopted a quest?

If so, let me know what you quest is in the comments below—and be sure to tell me how far along you are.

5 thoughts on “Why you should adopt a personal travel quest”

Very cool, read, Scott. My last blog post was on this very idea–travel goals. I’ve realized the more I’ve considered or started working at any of them, I end up “setting” more of them. I’m not even sure how many I really intend to complete, but absolutely agree with your social pressure notion–with baseball, I went from about all 20 to all 30 because folks were cheering me on. My goals were/are seeing the 50 states (only need AK for a second completion of that), touching the 5 Great Lakes and oceans (1 for 2 there), seeing every MLB ballpark (need Atlanta’s new one), NFL stadium (3 teams and about 5 new stadiums to go), Canadian Province (have all 10, but need the three Territories), attend a sporting event in each state (35ish), visit a brewery in every state (33), and visit every place mentioned in “I’ve Been Everywhere Man” (43 of 91, I think). Then there are the National Parks and Minor League parks–right now, I’m using them in tandem to build itineraries, a few days in NPs and then some evenings in ballparks.Not sure if all 59/417 (now at 35/136) is in my future for the parks or 160 (39 now) for the Minor League parks. But, yes, getting to halfway there, or getting to 100 of them, or all of the ones in the Continental Lower 48 or something might be more achievable. Likewise, picking a single league of a dozen teams is certainly more likely than all of them at this point. But, as you complete the subsets of the total, or cross the halfway point, and you start seeing the finish line, well, yeah it can then become a more practical (and pressured) target. Totally get that. Then for skiing, I have a number of ‘goals’ there, with some resorts I want to visit, and maybe hit a certain number (I crossed over 50 this past winter). tt

Sounds like you’ve got some fun quests there, Thomas! I especially like the I’ve Been Everywhere one; I looked up my total a few years back and had most of them but didn’t keep track of my total. I think I need to go back and do that.

Great post. You mention count up and count down quests but what do you think about distance quests? I am thinking about hiking the AT or one quest that I am interested in (but too afraid right now) kayak the entire Mississippi

I’d personal consider those “challenges” as opposed to “quests,” but no matter what word you use, both sound like they’d be a blast! I followed someone on their journey to kayak the length of the Missouri River, and it was quite an endeavor and definitely a logistical challenge.

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3 Steps to Signing Up with Travel Quest Host Agency

So, you’re thinking of joining Travel Quest? That’s great to hear! My name is Angie and I’m typically the main point of contact at Travel Quest for agents new to TQ. I thought it would be helpful to do a little write up on the typical process of signing up with TQ.

Researching and Interviews

Starting way at the beginning, the best piece of advice I can give you is to research and compare host agencies. That way when you make your decision, you know it is the right one for you! If you haven’t already, I’d highly recommend reading the Tips on How to Find the Best Host Agency post from HostAgencyReviews.com . It is full of really great advice and even has a nice Excel spreadsheet of questions to ask a host agency. We think interviewing host agencies is so important that we actually have an ‘interview’ stage with agents looking to join TQ. It isn’t nearly as daunting as it sounds—we just want to make sure that all of your questions are answered on us and, if you’re a newbie, the travel industry in general!

Registering Your Business & Getting an EIN

Registering a business name in the state you reside in is a good place to start setting everything up for your business. It is also something Travel Quest requires in order to sign up with us! We often get asked is it best to register as a Sole Proprietorship, DBA, or LLC. Any one of them works for us. To make sure you are doing what’s best for your business, we suggest consulting with a tax professional or accountant. Each state has different costs and processes set in place so be sure to check with your State Agencies for what you need to do! The Small Business Administration has a great list of filing requirements for each state . After you register your business, you’ll also need to get an EIN (Employee Identification Number) through the IRS. This is super easy to do online at IRS.gov .

Travel Quest’s Sign Up Process

Alright, you’ve been researching and interviewing host agencies and have made your final decision. I know that once you make that decision you want to get started right away so our sign up process is streamlined to get you set up in a jiffy.

We send all of our documents via an online signature program to make things super-fast and easy to track. Once you let us know you want to sign up there are just 3 stages:

TQ Contract and background check First up, we’ll send you the TQ Contract and background check. Before it allows you to open either documents, it will ask you some questions to verify your identity.

Sign up form Once we get those back, you get to choose what plan you want and pay the one-time start-up fee .

TQ Manual, W9 and direct deposit form After we get the OK from the background check (usually takes 1 business day), we send the last set of documents! The Independent Agency Owner (IAO) Manual just needs your signature that you’ve read it, the W9 is where you’ll put your registered business name and EIN number, and the direct deposit is for the bank account you want your TQ account to be hooked to.

And that’s it! Once we have received all of the required paperwork from you we email out your login sheet which opens up TQ to you! It gives you access to Travel Quest’s Portal, Commission Manager and trainings; Travel Leaders’ intranet & Learning Management System; and some of the most commonly used supplier websites. The length of time it takes from start to finish depends mostly on how fast we get the documents back. Typically you receive your log in sheet 3-5 business days after you fill out the TQ Sign Up form! If you have any questions along the way, everyone at Travel Quest is there to help! Now that you know the sign up process, I hope we get to chat soon!

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Frequently Asked Questions

Quest Travel Adventures is a small tour operator specializing in travel to the Atlantic Islands - the Azores and Madeira Islands, Portugal and the Spanish Canary Islands. We focus on customized FIT and small group travel.

We work with all travel agents who are registered with an agency that has a valid IATA, CLIA, or TRUE number. Email your full name, phone number, agency name, and mailing address to [email protected] to register with us. 

Yes, we do! Quest Travel Adventures pays 12% commission to our travel agent partners on all land packages.

Yes, all of our land packages can be customized to suit your clients’ interests, budget, and length of stay.

We book hotel reservations, airport transfers, excursions and on-island activities, private guides and small group tours. Hotels includes breakfast daily and many excursions will include lunch. We can customize a package to include other meals and we can do shore excursions for your cruise clients! 

As a courtesy to our travel agent partners, we can book international flights to be combined with a land package. Net rates are quoted for airfare and we can add an agency fee upon request. 

Yes, we can assist you with packages for mainland Spain and mainland Portugal, either in conjunction with an island visit or without. 

We regularly offer FIT Travel Agent Rates to Madeira, the Azores, and the Canary Islands, valid for certain times of the year. Occasionally we offer a group FAM trip as well in conjunction with the tourism boards.  

Make sure you are on our mailing lists to receive these great offers!

The Canary Islands are south of Spain in the Atlantic Ocean. They are a 3-hour flight from Madrid or Barcelona. Seasonally, there are non-stop flights from Newark, NJ. Madeira is south of Portugal in the Atlantic Ocean. They are a 2-hour flight from Lisbon. Seasonally there are non-stop flights from Boston and JFK.  The Azores are west of Portugal in the Atlantico Ocean. They are a 2.5 hour flight from Lisbon or a 4.5 hour flight from Boston, MA, or 5-hours from JFK. You can view a map here

Yes! We do webinars a few times a year. These webinars are recorded and can be found on our Webinar and Video's page .

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Compare the Best United Credit Cards

Best united credit card reviews.

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The Best Credit Cards for United Airlines Flyers of 2024

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United flyers are spoiled for choice when it comes to airline credit cards . United's six co-branded Chase cards include perks like lounge access , free checked bags, and priority boarding, as well as earning bonus miles on everyday purchases.

Looking beyond just United-branded cards, the ability to transfer Chase Ultimate Rewards® points to the United MileagePlus frequent flyer program means that cards like the Chase Sapphire Reserve® and Ink Business Preferred® Credit Card are also strong contenders thanks to great earning rates and travel protections.

Here are the best credit cards for United Airlines flyers to consider.

Best United Credit Cards

• Chase Sapphire Preferred® Card: Best if you're not loyal to United
• Chase Sapphire Reserve®: Best premium travel card if you're not loyal to United
• United℠ Explorer Card: Best United credit card for non-elite flyers
• United Quest℠ Card: Best for travelers who check bags
• United℠ Business Card: Best United Airlines credit card for business travelers
• United Club℠ Infinite Card: Best for United Club airport lounge access
• United Gateway℠ Card: Best for budget travelers
• Ink Business Preferred® Credit Card: Best for road warriors
• The Platinum Card® from American Express: Best for fancy flyers
• Bilt Mastercard®: Best for renters

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

21.49% - 28.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

$0 intro for the first year, then $95

21.99% - 28.99% Variable

Earn 50,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns bonus miles on several purchase categories, including dining
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes an application fee credit for Global Entry or TSA PreCheck
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Gets you a free checked bag on United when you pay with the card
• con icon Two crossed lines that form an 'X'. Not the most rewarding card for most non-United travel purchases

The United Explorer card is the best all-around credit card for United flyers, offering a generous range of benefits for a modest annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on United flights, plus two one-time United Club airport lounge passes each year for your anniversary.

• Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $95.
• Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
• Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
• 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 Explorer Card
• Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary

Earn 3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all other travel. 1 mile per $1 spent on all other purchases

Earn 60,000 bonus miles and 500 Premier qualifying points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial intro bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A free first and second checked bag can save you and a companion up to $320 round-trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $125 in annual credits toward United® purchases can offset half the annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 5,000-mile award flight credit can help you stretch your United miles
• con icon Two crossed lines that form an 'X'. High $250 annual fee
• con icon Two crossed lines that form an 'X'. Card doesn’t offer United Club lounge access or passes

If you fly United Airlines, even just a couple of times a year, the United Quest℠ Card should be on your radar. It comes with unique perks that can save you big time when you travel — such as two free checked bags when flying on United, up to $125 in automatic statement credits toward United purchases, and more.

• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

$0 intro for the first year, then $99

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid travel benefits with United, including a free checked bag and priority boarding
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual United travel credit is relatively easy to earn
• con icon Two crossed lines that form an 'X'. Beyond the intro bonus offer, it will take a while to earn a lot of miles through everyday spending on this card

Although it joins a crowded field of excellent United Airlines credit cards, the United℠ Business Card from Chase has several standout benefits that make it well worth considering for both frequent and occasional United flyers.

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

Earn 80,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great intro bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. If you want United Club membership, this card gets you it for less than buying it outright
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get two free checked bags on United
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 4x miles on United® purchases
• con icon Two crossed lines that form an 'X'. Steep annual fee, especially for an airline credit card
• con icon Two crossed lines that form an 'X'. The non-United bonus categories (travel and dining) only earn 2x miles

While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

0% intro APR on purchases for 12 months

• Earn 20,000 bonus miles
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good bonus categories (including gas stations and local transit/commuting)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to expanded United award availability
• con icon Two crossed lines that form an 'X'. Other United credit cards have much higher welcome bonuses
• con icon Two crossed lines that form an 'X'. No free checked bag benefit like other United cards
• con icon Two crossed lines that form an 'X'. Few United perks other than 25% back on inflight purchases

The United Gateway℠ Card isn't the best credit card for United flyers, but it can be a good option if you want an airline credit card but you never, ever want to pay an annual fee. With the card, you'll earn United miles and access expanded award availability, but you'll wind up with a relatively low welcome offer and few cardholder perks.

• No annual fee
• Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• 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

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 100,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
• con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Limited time offer: Earn 10X Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• 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.

Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. Earn 2x points on travel. Earn 3x points on dining. Earn 1x points on other purchases. Earn points when you make 5 transactions that post each statement period.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only credit card to offer rent payments to any landlord
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent range of airline and hotel transfer partners through the Bilt App
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. World Elite Mastercard benefits and no annual fee
• con icon Two crossed lines that form an 'X'. If you’re not a renter, other cards offer better welcome bonuses and rewards
• con icon Two crossed lines that form an 'X'. Must make 5 transactions per statement period to earn points

The Bilt Mastercard® is the first credit card to offer up to 100,000 points in a calendar year rewards for paying rent without the transaction fee — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you're not a renter, you should consider other no-annual-fee rewards credit cards as well.

• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Chase Sapphire Preferred® Card or Chase Sapphire Reserve®

Although it's not a United co-branded card, the Chase Sapphire Preferred® Card presents a few compelling reasons for United flyers to carry it. It earns Ultimate Rewards points, which transfer instantly at a 1:1 ratio to United MileagePlus miles, so your purchase activity can easily earn you award travel on the airline.

These points also transfer to several other airlines including Southwest , Air Canada , British Airways, and JetBlue, so you'll gain flexibility by earning Ultimate Rewards points instead of just United miles.

The card earns 5 points on travel purchased through Chase Ultimate Rewards and 2 points on all other travel purchases, including airline tickets. That means you can rack up extra points not just on United tickets and at hotels like with the United℠ Explorer Card, but on all airline purchases, as well as on things like train tickets, parking, rideshares, and more.

If you're a more frequent traveler, you could also consider the Chase Sapphire Reserve®. It's now harder to recommend this card to everyone since the annual fee increased to $550, but it still offers some great benefits, including 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (after earning the $300 travel credit), 10x points on Lyft rides through March 2025, 3x points on other travel and dining, and up to $300 in statement credits for travel purchases each year.

It's offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

If you're unsure which option is best for you, read our comparison of the Chase Sapphire Preferred and Chase Sapphire Reserve for a thorough breakdown.

Chase Sapphire Preferred Card Review

Chase Sapphire Reserve Credit Card Review

United℠ Explorer Card

If you fly United a few times a year but don't have elite status, the United℠ Explorer Card is probably your best all-around option, with an annual fee of $0 intro for the first year, then $95. It currently comes with a bonus of 50,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.

That's because the card offers elite-style perks like a free checked bag for the cardholders and a companion on the same reservation (when you pay with the card), priority boarding, and a 25% discount on inflight food, beverage, and Wi-Fi purchases. Cardholders also receive two one-time United Club passes each year for your anniversary, which can help lighten day-of-travel stress on the occasional trip. The card is a good earner in general, accruing 2x miles not just on United purchases, but also on dining and hotel stays. It earns 1 mile per dollar on everything else. When it comes time to put those miles to use, cardholders can also access expanded award ticket availability, which can save tens of thousands of miles on some trips.

United Explorer Card Review

United Quest℠ Card

The United Quest℠ Card offers a welcome bonus of 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open.

The United Quest℠ Card is the least expensive United co-branded card that offers a free first and second checked bag, making it ideal for those who check multiple bags. United charges $35 for a first checked bag and $45 for the second, so if you check bags frequently, these fees can put a big dent in your travel budget.

Although the card has a $250 annual fee, taking advantage of this benefit can more than offset the yearly cost. Cardholders receive the first and second checked bag free for themselves and one companion on the same reservation (though you need to use the card to pay for your ticket, or the taxes and fees on an award ticket). On a single round-trip itinerary, two people could save a total of $320 if they each check two bags.

Cardholders also receive priority boarding, up to $125 annually in statement credits toward United purchases, up to two 5,000-mile award flight credits per year after the first card anniversary, and valuable travel and purchase protections including primary car rental insurance.

United Quest Card Review

United℠ Business Card

If you already carry a United personal credit card or are simply looking for a small-business credit card for your work needs, the United℠ Business Card is a great choice for a number of reasons. It's currently offering 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

This card has an annual fee of $0 intro for the first year, then $99. It also fields some interesting bonus earning opportunities, racking up 2 miles per dollar on United purchases as well as at restaurants , gas stations , local transit and commuting, and office supply stores.

Cardholders and a companion can check a bag for free when traveling on United, and receive priority boarding privileges. They also get two one-time United Club passes each year.

United Business Card Review

United Club℠ Infinite Card

The United Club℠ Infinite Card is currently offering a welcome bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.

If you're a frequent United flyer and value access to United Club lounges, the United Club℠ Infinite Card is the best card for you. Its annual fee is $525, but that's still less than what most travelers would pay for a United Club membership each year. The other thing worth noting is that it is full club membership, not just access, so cardholders can bring in guests.

Cardholders and a companion on the same reservation can check up to two bags for free and enjoy Premier Access priority check-in, security screening, and boarding. The card earns 4 miles per dollar on United purchases, which is pretty stellar.

United Club Infinite Card Review  

United Gateway℠ Card

If you prefer to avoid an annual fee, the United Gateway℠ Card could be the first option for you. It doesn't offer much in the way of extra perks, but it does earn 2x miles on United purchases, and on gas stations and local transit. And it's also offering a bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.

Though you won't get free checked bags or priority boarding, the card does offer 25% savings on inflight food, beverage, and Wi-Fi purchases. It also waives foreign transaction fees, and having this card gets you access to expanded award availability, just like other United cards with an annual fee.

United Gateway Credit Card Review

Ink Business Preferred® Credit Card

Like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, the Ink Business Preferred® Credit Card earns Ultimate Rewards points that you can transfer to United MileagePlus, among other airline and hotel programs.

Not only is it offering a welcome bonus of 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening, but it also racks up a phenomenal 3 points per dollar on the first $150,000 total spent in combined purchases on travel, shipping, internet, cable, phone services, and advertising on social media sites and search engines each account year (then 1x). 

In short, if you're a small-business owner whose spending habits fit into these categories, you could make a killing on points and then transfer them to United for award travel.

Aside from that, you can also just redeem Ultimate Rewards points earned with this card directly for reservations made through the Chase Travel Portal℠ at a rate of 1.25 cents apiece, which could make sense for some cheap airline tickets on United. The card also waives foreign transaction fees and comes with primary insurance on car rentals for business purposes. 

Chase Ink Business Preferred Card Review

The Platinum Card® from American Express

Ostensibly, The Platinum Card® from American Express does not offer any direct benefits for United flyers. But if you look beyond its obvious perks, there are plenty of reasons to consider it.

Although Amex Membership Rewards points don't transfer to United MileagePlus, they do convert to miles with Air Canada Aeroplan, Avianca LifeMiles, and Singapore Airlines KrisFlyer, all of which you can redeem for award travel on United (and often at better rates than United MileagePlus itself offers).

The public welcome offer for this card is currently 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership.

The Amex Platinum Card accrues 5 points per dollar on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year), which makes it the top earner in this category. It also includes up to $200 per year in statement credits toward airline incidentals ** like checked bags, seat assignments, and club lounge passes, so for occasional United flyers without elite status, this is a big benefit.

Although it won't get you into United Clubs, it does grant access to Priority Pass lounges around the world** as well as Amex's own Centurion Lounges , so you can usually find a quiet place to work or relax before flights no matter where you travel. Those are just a few of the card's benefits, but there are plenty more to take advantage of.

American Express Platinum Card Review

Bilt Mastercard®

Bilt Rewards is a unique program that gives you the ability to pay rent with a credit card without exorbitant service charges. To boot, you'll earn points which can be converted into hotel points and airline miles — including United Airlines.

The $0 annual fee (see rates and fees ) Bilt Mastercard® earns these rewards for non-rent expenses, as well:

• 3 points per dollar on dining (including food delivery services like Uber Eats and GrubHub)
• 2 points per dollar on travel booked directly with airlines, hotels, car rentals, or cruise lines
• 1 point per dollar on rent payments (with no fees) on up to $100,000 in rent payments every year
• 1 point per dollar on all other purchases

Bilt cardholders must make at least five purchases per billing cycle to earn rewards on this card.

As you can see, these bonus categories are exceptionally useful. Bilt also has a monthly promotion called " Rent Day ." On the first day of each month, you'll earn double points on non-rent expenses (capped at 10,000 points each Rent Day).

Bilt Mastercard Card Review

United Credit Card Frequently Asked Questions

Most United credit cards require at least a good credit score to be approved, which means a FICO score of at least 670. Some cards, like the premium United Club℠ Infinite Card, are more likely to approve you with an excellent credit score  — that is, anything above an 800  FICO score .

United credit cards are worth it if you fly with the airline or are focused on earning United miles. The right card for you depends on how often you fly United and whether or not you value benefits like airport lounge access and free checked bags.

United miles are useful even if you don't fly United often. You can redeem them for flights on United and Star Alliance carriers including Air Canada, Lufthansa, and Singapore Airlines, or non-alliance partners like Aer Lingus and Hawaiian Airlines.

You are eligible for United credit cards if you fall under the Chase 5/24 rule , which means you've opened less than five cards in the past 24 months (from any bank, excluding some small business credit cards). You also won't qualify for a specific United card if you already have that exact card or have received its welcome bonus offer in the past 24 months. That said, each of the United cards is considered a different product, so you can have more than one United card — for example, the United℠ Business Card and the United Quest℠ Card.

United Airlines miles do not expire, so you can earn miles now and use them whenever you want in the future.

Some United Airlines credit cards pay for Global Entry. Namely, the United℠ Explorer Card, United Quest℠ Card, and United Club℠ Infinite Card offer a statement credit for the Global Entry, TSA PreCheck , or NEXUS application fee every four years. The business versions of the cards and the no-annual-fee United Gateway℠ Card do not.

You can transfer Chase Ultimate Rewards points at a 1:1 ratio to United — plus 13 other airline and hotel partners — as long as you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. United is also a Bilt Rewards 1:1 transfer partner. You can earn Bilt points from the Bilt Mastercard® .

Why You Should Trust Us: How We Chose the Best United Credit Cards

When considering the best United Airlines credit cards, we examined cards beyond those simply with the United Airlines name on the front. Some of the credit cards that best benefit United Airlines flyers aren't United cobranded cards.

In this post, we've included credit cards that confer valuable United-specific benefits, can rack up United miles quickly, and provide strong travel insurance to protect you against things like extended flight delays and missing luggage.

We've weighed these benefits against each card's annual fee and listed those with the biggest upside. Our numerical score for this card reflects the categories we evaluate in our credit card-rating methodology .

For rates and fees of The Platinum Card® from American Express, please click here.

For rewards and benefits of the Bilt Mastercard, please click here.

For a guide to the benefits of the Bilt Mastercard, please click here.

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REAL ID requirements are coming next year—here's what U.S. fliers need to know

Domestic fliers have one year left to get REAL ID-compliant documentation before the Department of Homeland Security's new policies go into effect.

Beginning on May 7, 2025, travelers won't be able to board a domestic flight, access certain federal facilities or enter a nuclear power plant unless their driver's license or ID has REAL ID's telltale star marking in the top righthand corner.

The REAL ID Act was introduced in 2005 in an effort to tighten the nation's air travel security in the wake of the September 11 attacks.

The deadline for REAL ID compliance has been repeatedly delayed since its original 2008 deadline. It was most recently pushed back at the end of 2022, with the DHS citing "the lingering effects of the Covid-19 pandemic" as part of the reason for the change.

Once the REAL ID requirement goes into effect, travelers will no longer be able to board domestic flights with an ordinary license.

Travelers who go to the airport after May 7, 2025 without a REAL ID-compliant license will not be able to get past security, the DHS website says. They will, however, be able to board commercial aircraft by showing a valid passport.

Here's what you need to know to be prepared for the switch in 2025.

When do I need my REAL ID?

The DHS deadline is May 7, 2025.

What happens if I don't get REAL ID in time?

Failure to produce a REAL ID-compliant identification at airport security will result in you not being let through to your gate.

If you don't have REAL ID by May 7, 2025 you can still show your U.S. passport or an Enhanced Driver's License issued by Washington, Michigan, Minnesota, New York or Vermont.

For a full list of alternative ID accepted by TSA, visit this link .

How do I sign up for REAL ID?

You can sign up for REAL ID at your local DMV. The DHS includes a helpful map on its website with links to the DMV for every U.S. state and territory where you can set up an appointment.

Each state's driver's licensing agency lists the documentation you will need to bring in order to get a REAL ID. The DHS website states that applicants must bring documentation showing the following:

• Full legal name
• Date of birth
• Two documents bearing your address
• Lawful status

Do I already have REAL ID? How do I know?

To see if your current ID is REAL ID-compliant, check the top right corner. Depending on which state issues your ID, the REAL ID marking will show up in the form of a yellow or black star in the top right corner on the front of your ID.

You can see example photos on the DHS website.

Can I still drive without a REAL ID?

Yes. The REAL ID requirements will only impact air travel.

Want to make extra money outside of your day job?  Sign up for CNBC's new online course  How to Earn Passive Income Online  to learn about common passive income streams, tips to get started and real-life success stories.

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• Credit Cards
• Best No Annual Fee Travel Credit Cards

Best No-Annual-Fee Cards For Travel Of April 2024

Fact Checked

Updated: Apr 24, 2024, 3:32pm

Using a travel rewards credit card has long been celebrated as an easy strategy to travel the world for less. Consumers can apply for rewards credit cards and earn points and miles on everyday spending, then redeem rewards for airfare, hotel stays, rental cars and more.

The annual fees travel cards often charge can be worth it if you use the benefits you receive, but not everyone wants to pay a fee to hold a card. Fortunately, many travel credit cards offer benefits for no annual fee.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 113 countries visited
• 5500 hotel nights spent
• 93,000,000 miles and points redeemed
• 29 loyalty programs covered

Best No-Annual-Fee Travel Credit Cards

• Chase Freedom Flex℠ * : Best No-Annual-Fee Travel Card With Rotating Categories
• Chase Freedom Unlimited® : Best Flat-Rate No-Annual Fee Travel Card
• Wells Fargo Active Cash® Card : Best No-Annual-Fee Flat-Rate Cash-Rewards Card for Travel
• Wells Fargo Autograph℠ Card : Best for Everyday Spending
• Alliant Cashback Visa® Signature Credit Card * : Best No-Annual-Fee Credit Union Card for Travel
• Discover it® Cash Back : Best No-Annual-Fee Card To Earn Cash Back on Travel
• Blue Cash Everyday® Card from American Express : Best No Annual Fee Amex Card for Travel
• Bilt World Elite Mastercard® : Best No-Annual-Fee Card To Earn Rewards on Rent
• U.S. Bank Altitude® Go Visa Signature® Card * : Best No-Annual-Fee Card for Dining
• Hilton Honors American Express Card : Best No-Annual-Fee Card for Hilton
• Amex EveryDay® Credit Card * : Best for Earning Membership Rewards Points
• United Gateway℠ Card : Best No-Annual-Fee Airline Card
• Marriott Bonvoy Bold® Credit Card * : Best No-Annual-Fee Hotel Card
• Best Credit Cards Of 2024
• Credit Cards With Travel Insurance
• Best Travel Credit Cards
• Best Hotel Credit Cards
• Best Credit Card For Lounge Access
• Best Airline Credit Cards

Wells Fargo Autograph℠ Card

Up to 3X Reward Rate

Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming Read More

Welcome Bonus

20,000 bonus points

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Credit Score

Good, Excellent (700 - 749)

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best No-Annual-Fee Travel Credit Cards of 2024

Best no-annual-fee travel card with rotating categories, chase freedom flex℠ *.

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Read More

$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)

20.49% - 29.24% Variable

Excellent, Good (700 - 749)

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

• No annual fee
• Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Travel rewards rate rivals some of the best premium travel cards
• Generous rewards rate in several other categories
• Travel bookings must be made through Chase Travel℠ to earn 5% cash back
• Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
• 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores and 1% on all other purchases

Best Flat-Rate No-Annual Fee Travel Card

Chase freedom unlimited®.

Up to 6.5X Reward Rate

Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% cash back Read More

Up to $300 cash back

A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases

• Generous welcome offer for a no annual fee card
• Unlimited 1.5% minimum earn rate for cash-back rewards
• No minimum redemption amount
• Foreign transaction fee
• Ongoing balance transfer fee is high
• Requires a companion card to transfer points to travel partners
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Best No-Annual-Fee Flat-Rate Cash-Rewards Card for Travel

Wells fargo active cash® card.

Unlimited 2% Rewards Rate

Earn unlimited 2% cash rewards on purchases

$200 Cash Rewards

The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.

• Unlimited 2% cash rewards on purchases
• $0 annual fee
• Cellphone protection benefit
• There’s a balance transfer fee
• There’s a foreign transaction fee
• No travel transfer partners
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.

Best for Everyday Spending

Earning 3 points per dollar spent on a wide range of spending—including restaurants, travel, gas stations, transit and popular streaming services—for no annual fee, the Wells Fargo Autograph is a powerhouse.

• No foreign transaction fee
• Introductory APR period
• Plentiful reward points categories
• Protections include cell phone insurance
• Balance transfer fee
• No introductory balance transfer APR

Best No-Annual-Fee Credit Union Card for Travel

Alliant cashback visa® signature credit card *.

Up to 2.5% Reward Rate

Those eligible for Tier 1 Rewards earn 2.5% cashback on the first $10,000 of qualifying eligible purchases per billing cycle Read More

17.24% - 27.24% variable

Excellent (750 - 850)

If you regularly rack up your monthly balance, the 2.5% return on the Alliant card is hard to beat. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus.

• 2.5% cash back rate on up to $10,000 in monthly purchases for eligible accounts (then 1.5%)
• No foreign transaction fees
• Generous credit line
• No intro APR offer
• No welcome bonus
• Requires a companion checking account with balance, direct deposit and e-statement requirements
• Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%
• You can choose to receive cash back from your Alliant credit card via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings
• Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity

Best No-Annual-Fee Card To Earn Cash Back on Travel

Discover it® cash back.

Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more, Read More

Cashback Match™

17.24% - 28.24% Variable APR

Excellent/Good

For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate.

• 5% cash back on quarterly rotating spending categories throughout the year (activation required)
• Discover will automatically match all the cash back you’ve earned at the end of your first year
• No minimum cashback redemption
• 5% bonus cashback rate is limited to $1,500 per quarter in spending
• Bonus categories must be activated quarterly
• Low 1% base reward rate on everything else
• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

Best No Annual Fee Amex Card for Travel

Blue cash everyday® card from american express.

Up to 3% Reward Rate

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to Read More

19.24%-29.99% Variable

Excellent/Good (700 - 749)

For no annual fee, the Blue Cash Everyday® Card from American Express offers excellent value in the right hands. Spending a lot at U.S. supermarkets and U.S. gas stations brings plump rewards, while the introductory APR rate on purchases helps keep your interest expenses down. Look elsewhere for foreign transactions.

• Introductory APR offer on purchases and balance transfers
• Above-average earnings at U.S. supermarkets, U.S. gas stations and online retail purchases in the U.S.
• Elevated earnings at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. are capped at $6,000 in annual spending per category
• Rewards earning outside of the bonus categories is just 1% cash back
• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.

Best No-Annual-Fee Card To Earn Rewards on Rent

Bilt world elite mastercard®.

Up to 3x Reward Rate

1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on travel Read More

Good/Excellent (700 - 749)

Pay rent, earn rewards and use your earnings for travel. Sounds like a great way to maximize your rent money to us.

• Earn rewards on rent
• Primary car rental and cell phone insurance
• Points can be transferred to partners
• Requires five card transactions per statement period to earn rewards
• High regular APR range
• Rewards outside of rent spend are relatively low compared to other cards
• Earn points when you make 5 transactions that post each statement period
• 1x points on rent payments with no transaction fee (on up to 100,000 points each calendar year)
• 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company)
• 3x points on dining
• Plus 1x points on other purchases
• Cell Phone Insurance
• Purchase security (theft and damage protection)
• Mastercard® World Elite Concierge
• Lyft Credits
• No foreign currency conversion fee
• Rewards & benefits terms

Best No-Annual-Fee Card for Dining

U.s. bank altitude® go visa signature® card *.

Up to 4X Reward Rate

Earn 4 points per dollar on dining, takeout, and restaurant delivery and 2 points per dollar at grocery stores, grocery Read More

18.24% - 29.24% (Variable)

Excellent Credit (750 - 850)

With no foreign transaction fee and industry-leading earnings on dining, the Altitude Go could get you up into the air quickly.

• No penalty APR
• Generous rewards for a no annual fee card
• Annual credit toward eligible streaming services
• No bonus reward tier for entertainment spending
• Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
• 4 points per dollar spent on dining, takeout, and restaurant delivery
• 2 points per dollar spent on streaming services and a $15 credit for annual streaming purchases
• 2 points per dollar spent at grocery stores, gas stations, and EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024)
• 1 point per dollar spent on all other eligible purchases
• Points never expire

Best No-Annual-Fee Card for Hilton

Hilton honors american express card.

Up to 7X Reward Rate

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Read More

Earn 80,000 points

20.99%-29.99% Variable

Good,Excellent (700 - 749)

A good intro into the Hilton world without paying an annual fee, the Hilton Honors Card from American Express brings you a few nice perks. But if you’re a serious Hilton traveler, you’ll want to look at one of the higher end cobranded Hilton cards offered by American Express.

• High point earning rates
• Generous welcome bonus
• Automatic Silver status includes fifth night free on award stays
• No annual fee or foreign transaction fee
• No blackout dates
• Low point redemption value
• Silver status comes with limited benefits
• Poor transfer rate to airline partners
• Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.

Best for Earning Membership Rewards Points

Amex everyday® credit card *.

Up to 2x Reward Rate

Earn 2X points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American Express Read More

Earn 10,000 points

18.24% - 29.24% variable

If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you.

• Possible to earn 20% bonus on all points earned
• 2 Membership Rewards points per dollar on up to $6,000 spent annually at U.S. supermarkets (then 1 point per dollar)
• 2.7% foreign transaction fee
• Spending cap on bonus points at grocery stores
• Requires 20 purchases per month to earn 20% bonus
• Earn 10,000 membership rewards points after spending $2,000 in qualifying purchases in the first 6 months of card membership
• Earn 2 points per dollar spent on qualifying purchases at US supermarkets up to $6,000 per year (then 1 point)
• Earn 2 points for every dollar when you use your card to book your trip through American Express Travel
• Earn 1 point for every eligible dollar you spend on everything else
• You can use membership rewards points towards eligible charges you make on your card, such as retail, dining, entertainment and more
• Use your card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases

Best No-Annual-Fee Airline Card

United gateway℠ card.

Up to 2x Rewards Rate

2X miles per $1 spent on United purchases, at gas stations and on local transit and commuting. 1 mile per Read More

• Earn 20,000 bonus miles

21.99% - 28.99% Variable

With its simple and respectable rewards rates, plus Visa Signature benefits, casual fliers who are loyal to United will find value in United’s only card with no annual fee.

• Earn 2 miles on purchases with United, at gas stations and on local transportation
• Enjoy expanded United award travel availability
• Earns only 1 mile per dollar spent on non-bonused purchases
• No free checked bag or enhanced boarding benefits
• Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• Earn 1 mile per $1 spent on all other purchases
• 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

Best No-Annual-Fee Hotel Card

Marriott bonvoy bold® credit card *.

3 points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy program, 2 points per dollar on other Read More

Earn 30,000 bonus points

21.49% - 28.49% variable

One of several Marriott credit cards, the Marriott Bonvoy Bold card is the only one without an annual fee. It’s a smart entry-level card for travelers who want to earn points in the Marriott Bonvoy rewards program and enjoy Silver Elite status.

• The first Bonvoy Rewards card with no annual fee
• 15 Elite Night credits per year + Silver Elite status
• Rewards bonus categories are somewhat limited
• 5% fee for balance transfers
• Earn 30,000 bonus points after you spend $1,000 on your first 3 months of account opening.
• Earn 3X points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy®
• Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy member
• 15 elite night credits annually, enough for Silver Elite status, terms apply

Here’s a Summary of the Best No-Annual-Fee Travel Credit Cards

More about the best no-annual-fee travel credit cards.

Navigating the world of credit cards means finding the combination of pros and cons that offer the best value for your needs. A card rewarding your unique spending habits and goals will outperform one that is seemingly best for the average consumer, so make sure to evaluate each card for your specific uses.

Be aware that cards with no annual fee often charge other types of fees. In addition to interest charges incurred when a balance is carried, cardholders may also face penalty charges, including over-limit fees and late payment fees, as well as fees for foreign transactions, cash advances and balance transfers.

If you’re looking for a cash-back credit card and want the option to redeem points for travel, the Chase Freedom Flex℠ * may be exactly what you need. This card lets you earn a strong base rate of rewards for each dollar you spend, and you can redeem points for cash back, statement credits, gift cards, merchandise or travel through the Chase Ultimate Rewards® portal.

Welcome bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Other benefits and drawbacks: The Chase Freedom Flex℠ * may be marketed as a cash-back credit card, but you can redeem rewards for travel through the Chase Ultimate Rewards portal. Since you can also redeem your rewards for statement credits at a rate of 1 cent per point, you can cover travel purchases charged to your card as well.

This card paired with a premium Chase card like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® or Ink Business Preferred® Credit Card can provide extra leverage as points are worth 1.25 to 1.5 cents each when redeemed through the Chase travel portal depending on which premium card you have. Carrying both the Flex card and a premium Chase card also gives you the opportunity for 1:1 transfers to Chase’s airline and hotel partners like United and Hyatt.

The Chase Freedom Flex℠ * offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies. This makes the card a solid option if you want to charge a big purchase and pay down your balance over time without worrying about interest for the duration of the 0% introductory APR period.

The card’s benefits also include purchase protection against damage and theft and extended warranties for eligible items.

Those looking to get into the Chase ecosystem with a no-annual-fee card might want to consider the flat-rate Chase Freedom Unlimited® .

Welcome bonus: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Other benefits and drawbacks: The Chase Freedom Unlimited® may not be the best choice for those who like to travel abroad because it charges a foreign transaction fee. On the plus side, it offers an introductory APR: 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

If you’re looking for a card to boost your travel funds but prefer a cash rewards card, the Wells Fargo Active Cash® Card may be the way to go.

Welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards: Earn 2% cash rewards on purchases.

Other benefits and drawbacks: The Wells Fargo Active Cash® Card offers up to $600 per claim in cellphone protection (subject to a $25 deductible) when you pay a monthly cellphone bill with the card, terms apply.

It also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

The Wells Fargo Autograph℠ Card is excellent for everyday spending with bonus categories that most people will have no problem using.

Welcome bonus: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Rewards: Earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1 point per dollar on other purchases.

Other benefits and drawbacks: The Wells Fargo Autograph℠ Card also offers an introductory 0% APR: 0% introductory APR on purchases for 12 months from account opening. A variable APR of 20.24%, 25.24%, or 29.99% applies for purchases after the intro period ends and for balance transfers. The card has a balance transfer fee of up to 5%, minimum $5. Cardholders can also benefit from cellphone protection, roadside dispatch and an auto rental collision damage waiver.

The Alliant Cashback Visa® Signature Credit Card * offers the potential for a high rate of cashback, although this rate is limited to the first $10,000 in purchases each month. However, this will likely be sufficient for most people’s monthly spending.

Welcome bonus: This card does not offer a welcome bonus.

Rewards: Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%.

Other benefits and drawbacks: You’ll have to join Alliant Credit Union to be eligible to apply for this card and to achieve the highest rate of cashback, you’ll have to have an average daily balance of at least $1,000 in your Alliant High-Rate Checking account for each preceding calendar month. The Alliant Cashback card doesn’t charge foreign transaction fees.

The Discover it® Cash Back isn’t specifically marketed as a travel card, but cashback can be used for anything—including travel, so we’ve included it here. This card offers solid rewards as long as you can remember to activate the quarterly categories. It also offers a non-traditional but impressive welcome bonus for those who spend plentifully on the card.

Welcome bonus: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There's no minimum spending or maximum rewards.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Other benefits and drawbacks: The Discover it® Cash Back offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 17.24% - 28.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies. It also offers online privacy protection tools and free social security number alerts.

The Blue Cash Everyday® Card from American Express (Terms apply, see rates & fees ) is a solid option for those looking to earn cash back from American Express.

Welcome bonus: Earn $200 statement credit after spending $2,000 on purchases within the first 6 months.

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon.com checkout.

Other benefits and drawbacks: The Blue Cash Everyday® Card from American Express offers an introductory APR: 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 19.24%-29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies. Cardholders can also benefit from access to Amex Offers, up to $84 in credit ($7 monthly) for a Disney Bundle subscription and a $180 Home Chef credit. Additional benefits include purchase protection ¹ and car rental loss and damage insurance ² .

The Bilt World Elite Mastercard®  ( rates & fees ) lays the claim as the first card that offers the ability to pay rent and earn points on those purchases. For those who pay rent, it’s a great way to earn a bunch of additional points each year.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Other benefits and drawbacks: Bilt points can be transferred at a 1:1 rate to various transfer partners, including American Airlines and Hyatt. The card also offers cellphone protection, various travel benefits and the ability to earn bonus points (and sometimes other benefits) once per month on Rent Day, though you must use the card five times each statement period to earn points ( rewards & benefits ).

The U.S. Bank Altitude® Go Visa Signature® Card * earns points that you can redeem for merchandise, gift cards, cash back or travel, all at a value of 1 cent per point. It offers reasonable earn rates for a no-annual-fee card.

Welcome bonus: Earn 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.

Rewards: Earn 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024) and 1 point per dollar on all other eligible purchases.

Other benefits and drawbacks: Cardholders can also benefit from a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed by a regular variable APR of 18.24% - 29.24%. A balance transfer fee of 3% applies ($5 minimum). The card also offers a $15 annual streaming bonus for services like Netflix, Apple TV+, Spotify and others.

The Hilton Honors American Express Card (Terms apply, see rates & fees ) offers the ability to earn Hilton Honors points for each dollar you spend and automatically qualify for elite perks.

Welcome bonus: Earn 80,000 Hilton Honors bonus points after spending $2,000 in purchases on the card in the first six months of card membership.

Rewards: Earn 7 Hilton Honors points for each dollar of eligible purchases charged directly with hotels or resorts within the Hilton portfolio, 5 points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations and 3 points per dollar on all other eligible purchases.

Other benefits and drawbacks: The Hilton Honors American Express Card offers robust earning categories that let you earn bonus points in many common areas of spending.

Cardholder benefits include automatic Silver status, but you can move up to Hilton Honors™ Gold status if you spend at least $20,000 on your credit card within a calendar year. If you expect to spend this much on your card each year, it may make sense to get a card that automatically provides a higher level of Hilton status and place the spending on a card that will net you more rewards overall.

Those looking for an Amex Card but with a preference to earn Membership Rewards instead of cash back should consider the Amex EveryDay® Credit Card * .

Welcome bonus: Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening.

Rewards: Earn 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

Other benefits and drawbacks: When you use your Amex EveryDay® Credit Card * 20 or more times per billing cycle, you’ll earn a 20% bonus on all points earned during that billing cycle. This card also offers access to Amex Offers, car rental loss and damage insurance and purchase protection.

United isn’t the only airline with a no-annual-fee card, but it’s the best no-annual-fee airline offering. The United Gateway℠ Card provides a few valuable benefits when a cardholder flies United.

Welcome bonus: Earn 20,000 bonus miles after spending $1,000 on purchases in the first 3 months of account opening.

Rewards: Earn 2 miles per dollar on United® purchases, at gas stations and on local transit and commuting and 1 mile per dollar on all other purchases.

Other benefits and drawbacks: Holders of the United Gateway℠ Card receive 25% off United in-flight purchases made on the card. It also offers an auto rental collision damage waiver, trip cancellation/interruption insurance, purchase protection, extended warranty coverage and doesn’t charge foreign transaction fees.

Those looking for more United benefits, including a free checked bag when flying with the airline, should consider the United℠ Explorer Card that has a $0 intro annual fee for the first year, then $95.

Read more: United Airlines MileagePlus: The Ultimate Guide

The Marriott Bonvoy Bold® Credit Card * is a decent option for those wanting to earn Marriott points without paying an annual fee. If you’re really looking for a Marriott-specific card, you should also ask yourself: Which Marriott Card is right for me ?

Welcome bonus: Earn 30,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

Rewards: Earn 3 points per dollar at over 7,000 hotels participating in Marriott Bonvoy program, 2 points per dollar on other travel purchases (from airfare to taxis and trains) and 1 point per dollar on all other purchases.

Other benefits and drawbacks: The Marriott Bonovy Bold offers complimentary Marriott Bonvoy Silver status and 15 Elite Night credits each year that may help you qualify for higher levels of elite status. The card also offers various travel and purchase coverage like baggage delay insurance and purchase protection, and it doesn’t charge foreign transaction fees.

Methodology

Forbes Advisor compared dozens of travel credit cards from all major issuers to find the best options with no annual fee. Factors we looked at include:

• Earning rates
• Welcome offers
• Introductory APR
• Consumer protections
• Automatic elite status
• Multiple redemption options

Read more: How Forbes Advisor Rates Credit Cards

What Does No Annual Fee Mean?

No annual fee means the credit card company does not charge you to maintain the credit card. No annual fee does not mean you should expect no fees at all—you might still pay interest, over-limit fees, late payment fees or a foreign transaction fee. Carefully consult your cardholder agreement and the Schumer box therein.

Why Do Credit Cards Have Annual Fees?

When a credit card charges an annual fee, it means the issuer is charging the cardholder directly to maintain the account. Once a credit card is activated, this type of flat fee isn’t impacted by how the card is used or by any other factors within the cardholder’s control—it simply recurs for as long as the account stays open. Most commonly, an annual fee is billed on the anniversary month of the credit card account’s opening. The cost of these fees can vary dramatically.

Annual fees are, unsurprisingly, not popular, so why do credit card issuers commonly charge them? Traditionally, cards with higher annual fees offer significantly better perks. It’s still common for no-annual-fee cards to fall on the less-generous end of the benefits spectrum. Credit cards designed for individuals with low credit scores and poor application prospects may also charge a high annual fee and a higher APR to offset the theoretically heightened risk assumed by the issuer.

Credit card issuers expect to profit from each offering, and each card represents a calculated compromise between advantages popular among consumers and guarantees or benefits for the issuer. Your choice should focus on the combination of pros and cons providing you the best value.

How Do Travel Credit Cards With No Annual Fee Work?

No annual fee means the issuer does not charge consumers to carry the credit card. At least in theory, annual fees are levied by issuers to compensate for other aspects of a card considered especially favorable to the cardholder, such as rewards. Though it’s common for these fees to be waived for a year or altogether to attract customers, the most benefit-heavy cards often charge annual fees. Apart from this tradeoff, no-annual-fee credit cards function much like cards with annual fees.

Benefits of No-Annual-Fee Travel Credit Cards

Each card offers its own suite of benefits. These vary depending on the issuer, but most credit cards offer at least some of the following:

• Fraud protection (all consumer cards are required to offer a certain degree of protection)
• Introductory APRs
• Rewards earning (in the form of cashback from purchases or points and miles redeemable for airline tickets, hotel stays or other travel)
• Discounts on in-flight food and beverage purchases

No-annual-fee cards may offer fewer of these benefits compared to their counterparts that charge an annual fee.

Who Should Get a No-Annual-Fee Travel Credit Card?

Many people can benefit from a no-annual-fee travel credit card. Whether you travel occasionally or all the time, these cards offer benefits targeted toward travelers without charging you anything to hold the card.

• If you’re an occasional traveler: Look for a travel credit card that offers the most benefits for the lowest fee—You can probably find a no-annual-fee card that will fit your needs.
• If you’re a frequent traveler: While you may be able to find a no-annual-fee travel card that works for you, there’s a good chance you would benefit more from one of the best travel cards , many of which do charge an annual fee.

How To Choose the Right Travel Credit Card With No Annual Fee

All the travel credit cards in our ranking allow consumers to earn travel rewards points or cash back without having to pay a fee each year. But there’s more to picking a travel credit card than just finding an option without a fee. The following tips can help shoppers find a card that suits their needs:

• Compare rewards programs: Make sure you’re earning rewards you can actually use. If you plan to pick up a hotel credit card or airline credit card specifically, you’ll want to explore the loyalty program to ensure you understand how it works and whether it makes sense for you. If you never fly, for example, there’s no sense in earning airline miles.
• Consider flexible travel options: Decide whether a  flexible travel credit card might work better. While some cards only let you redeem points within a specific loyalty program, others allow you to cash in points for any travel purchase you want or for additional redemption options like gift cards or merchandise.
• Look at 0% APR offers: Many cards on our list also offer an introductory 0% APR for a limited time. Some of these offers apply only to purchases, but a few apply to balance transfers, as well.
• Look for other cardholder perks: Finally, consider which cards offer the benefits you want most, whether those include no foreign transaction fees, elite status with a loyalty program or travel insurance benefits. Ideally, you’ll find a card with rewards you can use and cardholder perks that make sense for the way you travel.

Find the Best Travel Credit Cards for 2024

Find the best travel credit card for your travel needs.

How To Apply for a No-Annual-Fee Travel Credit Card

It is often easiest to compare and apply for credit cards through the card issuer’s website. Though you can often apply over the phone or by mail, these methods may take longer and be less convenient.

Applicants should know their credit scores and credit histories before shopping for cards. No-annual-fee travel credit cards may require good to excellent credit for an application to be successful. The better your score and credit history, the better your chances for approval.

Any applicant can take steps to increase creditworthiness and chances of approval for new cards. These steps include clearing up any outstanding debts carried elsewhere and decreasing your credit utilization ratio , representing how much of your overall available credit is used. Applicants should also become familiar with the card’s terms and conditions and check for any important details in the fine print before applying.

Is a Credit Card With No Annual Fee Worth It?

A credit card with no annual fee, as long as it offers you benefits and rewards that you can use, is worth it. The real question is this: Is there another card that’s better? There may be another no-annual-fee card that offers rewards more in line with your spending habits or benefits that are more valuable to you. There could be a credit card with an annual fee that offers even better rewards and benefits—enough to offset the annual fee—that makes even more sense. It’s worthwhile to take some time to compare the available options so you can find the card that’s best for you.

Bottom Line

Many excellent travel cards offer lucrative rewards and benefits without charging an annual fee. Though no annual fee does not mean the absence of fees altogether, paying an annual fee is only worthwhile if a cardholder can extract at least as much value from that card beyond what the best no-annual-fee card can offer. Carefully do your research before applying for any card, and recognize that just because a card doesn’t charge an annual fee doesn’t mean it won’t stick you with interest and other fees if you don’t manage the account responsibly.

To view rates and fees for Blue Cash Everyday® Card from American Express please visit this page . To view rates and fees for Bilt World Elite Mastercard® please visit this page . To view rates and fees for Hilton Honors American Express Card 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. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Frequently Asked Questions (FAQs)

What is the best credit card with no annual fee and cashback.

There is not one no-annual-fee cash-back card that tops all others, as everyone has a unique credit profile and set of needs. Our list is designed to give you a starting point for your search. If you are looking for a card with no annual fee and category bonuses, consider the Chase Freedom Flex℠ * . If you are looking for no annual fee and simple cash rewards, consider the Wells Fargo Active Cash® Card.

What benefits are common for no-annual-fee cards?

Each card offers its own suite of benefits. These vary depending on the vendor, but most credit cards offer fraud protection (all consumer cards are required to offer a certain degree of protection), and many offer some sort of rewards or intro APR.

What is the best credit card for airline miles with no annual fee?

We consider the United Gateway℠ Card and the JetBlue Card * to be among the best no-annual-fee airline cards, but the card best for you depends on your spending habits, airline preference and more. Other airlines also offer no-annual-fee options, but all airline cards without an annual fee are light on the benefits compared to annual-fee card peers. If you regularly fly with a specific airline or if you occasionally fly but usually check a bag, consider an airline card with an annual fee. While you may pay an annual fee, the savings from a free checked bag and other benefits could save you money in the long run.

Which no-annual-fee travel cards offer the best welcome bonus?

Welcome bonuses vary not only by the card but by the day. Banks frequently publish new promotions, so welcome bonuses may change without much notice. A couple of cards consistently offering solid welcome bonuses are the Chase Freedom Flex℠ * and the United Gateway℠ Card .

What credit score do I need to get a no-annual-fee travel card?

Generally, rewards cards—including travel credit cards—typically require good to excellent credit even when the card doesn’t have an annual fee. A score in the good range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards, you can expect to need a score of 740 or higher to qualify.

What is the best travel rewards credit card with no annual fee?

The best travel rewards card for you may not be the best travel rewards card for the next consumer. While we believe the Chase Freedom Flex℠ * may be an excellent overall choice for many, we urge you to carefully research whether the card’s reward structure matches your spending habits and if this card’s set of travel benefits and protections will serve you better than another card.

When should I look for a no-annual-fee credit card?

Though many cards in the list of no-annual-fee credit cards above require a more robust credit history than most when initially looking for a credit card , no-annual-fee credit cards make great first credit cards. Many no-annual-fee cards also offer low or 0% introductory APRs on purchases or balance transfers when you need to make a large purchase or complete a balance transfer, but applying for any credit card should only be done when you’re ready for the responsibility associated with a credit card account.

Can you get a no-annual-fee travel card with bad credit?

It may be difficult to qualify for a no-annual-fee travel card with bad credit. You should first consider the best cards for bad credit and focus on improving your credit score to gain access to better credit card products in the future.

Is it hard to qualify for a no-annual-fee travel credit card?

It’s not necessarily hard to qualify for a no-annual-fee travel credit card, but your credit profile will be evaluated when you apply.

Next Up In Credit Cards

• Best Credit Cards 2024
• Chase Sapphire Preferred Credit Card
• Capital One Venture X Credit Card
• Best Rewards Credit Cards
• Can I Add My Child To My Credit Card?
• How Many Credit Cards Should I Have?

*The information for the following card(s) has been collected independently by Forbes Advisor: Chase Freedom Flex℠, Alliant Cashback Visa® Signature Credit Card, U.S. Bank Altitude® Go Visa Signature® Card, Amex EveryDay® Credit Card, Marriott Bonvoy Bold® Credit Card, JetBlue Card . The card details on this page have not been reviewed or provided by the card issuer.

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can.

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NEWS ALERT: President Biden signs bill that includes aid for Ukraine, Israel and Taiwan, while forcing TikTok to be sold or be banned in US

A conservative quest to limit diversity programs gains momentum in states

The Associated Press

April 24, 2024, 10:04 AM

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A conservative quest to limit diversity, equity and inclusion initiatives is gaining momentum in state capitals and college governing boards, with officials in about one-third of the states now taking some sort of action against it.

Tennessee became the latest when the Republican governor this week signed legislation that would prohibit banks and other financial institutions from considering a customer’s participation — or lack thereof — in “diversity, equity and inclusion training” or “social justice programming.”

That came shortly after the Democratic governor in Kansas allowed legislation to become law without her signature that will prohibit statements about diversity, equity or inclusion from being used in decisions about student admissions, financial aid or employment at higher education institutions.

Last week, Iowa’s Republican-led Legislature also gave final approval to a budget bill that would ban all DEI offices and initiatives in higher education that aren’t necessary to comply with accreditation or federal law. The measure expands upon a directive last year from the Iowa Board of Regents to eliminate DEI staff positions.

Republican lawmakers in about two dozen states have filed bills seeking to restrict DEI initiatives this year. They are countered by Democrats who have sponsored supportive DEI measures in about 20 states. Altogether, lawmakers have proposed about 150 bills this year that would either restrict or promote DEI efforts, according to an Associated Press analysis using the legislation-tracking software Plural.

WHAT’S AT ISSUE?

Higher education institutions and many businesses have long devoted resources to improving diversity and inclusivity.

More recently, conservative groups began raising concerns that DEI initiatives are promoting an agenda that elevates racial or gender identity over individual merit. Since 2022, about half a dozen conservative or libertarian organizations have offered model measures to state lawmakers to eliminate DEI offices or prohibit the use of DEI criteria in training programs or employment, academic and financial decisions.

Christopher Rufo, a senior fellow at the Manhattan Institute and an architect of the movement, said in a recent article that the ultimate goal is to “abolish DEI in all American institutions.”

The acronym DEI “has now been weaponized,” said Paulette Granberry Russell, president of the National Association of Diversity Officers in Higher Education. “And it’s taking us, unfortunately, back to a time that failed to acknowledge the inequities that persist today based on discriminatory practices.”

The Race and Equity Center at the University of Southern California has launched a “National DEI Defense Fund.” Among other things, it provides free professional development courses where publicly funded DEI training has been banned.

ANTI-DEI LAWS

Republican-led Florida and Texas last year became the first states to adopt broad-based laws banning DEI efforts in higher education. Universities in Texas have since eliminated more than 100 DEI-related jobs and Florida universities also have been shedding positions.

Earlier this year, Republican governors in Alabama and Utah signed laws restricting diversity, equity and inclusion efforts not only in higher education but also in K-12 schools and throughout state government.

GOP governors in Idaho and Wyoming also signed legislation this year restricting the use of state funds for DEI efforts at higher education institutions. Other bills signed into law in Idaho and GOP-led Indiana prohibit the use of DEI statements in employment and admissions decisions at public colleges and universities.

A similar bill barring mandatory DEI statements in higher education passed Wisconsin’s Republican-led legislature but got vetoed by the Democratic governor.

UNIVERSITY POLICIES

Facing political pressure, some universities have revised their practices regarding diversity, equity and inclusion.

University of Wisconsin regents agreed in December to shift at least 43 diversity positions to focus on “student success” and eliminate statements supporting diversity on student applications. The actions were part of a deal with lawmakers to release funding for pay raises and campus construction projects.

Large public university systems in Arizona, Georgia, Missouri and North Carolina are among those that have scrapped the use of diversity statements in employment decisions.

Oklahoma Republican Gov. Kevin Stitt signed an executive order in December barring state agencies and universities from supporting DEI programs that “grant preferential treatment based on one person’s particular race, color, sex, ethnicity or national origin.”

The University of Oklahoma said its DEI office closed April 1 and the remaining employees are being reassigned to new roles.

SUPPORTING DEI

Some Democratic-led states have forged ahead with legislation to expand their emphasis on diversity, equity and inclusion in government and education.

Washington’s Democratic governor signed a law this year that requires diversity, equity and inclusion concepts to be incorporated into updated state learning standards for public K-12 schools.

Legislation given final approval this month by Maryland’s Democratic-led General Assembly requires the state’s retirement system to employ a director of diversity, equity and inclusion.

Various budget proposals also would allot money to specific state DEI efforts. As one example: Oregon’s Democratic governor signed legislation last week that provides $50,000 to the Columbia River Gorge Commission for a diversity, equity and inclusion initiative.

Associated Press writer Sean Murphy contributed from Oklahoma City.

Copyright © 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, written or redistributed.

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FACT SHEET: Biden- ⁠ Harris Administration Announces Rules to Deliver Automatic Refunds and Protect Consumers from Surprise Junk Fees in Air   Travel

Newly finalized rules will mandate automatic, cash refunds for cancelled or significantly delayed flights and save consumers over half a billion dollars every year in airline fees

WASHINGTON – Building on a historic record of expanding consumer protections and standing up for airline passengers, the Biden-Harris Administration announced final rules that require airlines to provide automatic cash refunds to passengers when owed and protect consumers from costly surprise airline fees. These rules will significantly expand consumer protections in air travel, provide passengers an easier pathway to refunds when owed, and save consumers over half a billion dollars every year in hidden and surprise junk fees.   The rules are part of the Biden-Harris Administration’s work to lower costs for consumers and take on corporate rip-offs. President Biden signed an Executive Order on Promoting Competition in 2021 that encouraged DOT to take steps to promote fairer, more transparent, and competitive markets.   Requiring Automatic Cash Airline Refunds

The first rule requires airlines to promptly provide passengers with automatic cash refunds when owed because their flights are cancelled or significantly changed, their checked bags are significantly delayed, or the ancillary services, like Wi-Fi, they purchased are not provided.   Without this rule, consumers have to navigate a patchwork of cumbersome processes to request and receive a refund — searching through airline websites to figure out how to make the request, filling out extra “digital paperwork,” or at times waiting for hours on the phone. Passengers would also receive a travel credit or voucher by default from many airlines instead of getting their money back, so they could not use their refund to rebook on another airline when their flight was changed or cancelled without navigating a cumbersome request process.   DOT’s rule makes it simple and straightforward for passengers to receive the money they are owed. The final rule requires refunds to be:

• Automatic: Airlines must automatically issue refunds without passengers having to explicitly request them or jump through hoops.
• Prompt: Airlines and ticket agents must promptly issue refunds within seven business days of refunds becoming due for credit card purchases and 20 calendar days for other payment methods.
• Cash or original form of payment: Airlines and ticket agents must provide refunds in cash or whatever original payment method the individual used to make the purchase, such as credit card or airline miles. Airlines may not substitute vouchers, travel credits, or other forms of compensation unless the passenger affirmatively chooses to accept alternative compensation.
• Full amount: Airlines and ticket agents must provide full refunds of the ticket purchase price, minus the value of any portion of transportation already used. The refunds must include all government-imposed taxes and fees and airline-imposed fees.

Protecting Against Surprise Airline Junk Fees

Secondly, DOT is requiring airlines and ticket agents to tell consumers upfront what fees they charge for checked bags, a carry-on bag, for changing a reservation, or cancelling a reservation. This ensures that consumers can avoid surprise fees when they purchase tickets from airlines or ticket agents, including both brick-and-mortar travel agencies or online travel agencies. The rule will help consumers avoid unneeded or unexpected charges that can increase quickly and add significant cost to what may, at first, look like a cheap ticket. Extra fees, like checked baggage and change fees, have been a growing source of revenue for airlines, while also becoming more complex and confusing for passengers over time. In total, thanks to the final rule, consumers are expected to save over half a billion dollars every year that they are currently overpaying in airline fees. DOT’s rule ensures that consumers have the information they need to better understand the true costs of air travel. Under the final rule, airlines are required to:

• Disclose baggage, change, and cancellation fees upfront : Each fee must be disclosed the first time that fare and schedule information is provided on the airline’s online platform — and cannot be displayed through a hyperlink.
• Explain fee policies before ticket purchase: For each type of baggage, airlines and ticket agents must spell out the weight and dimension limitations that they impose. They must also describe any prohibitions or restrictions on changing or cancelling a flight, along with policies related to differences in fare when switching to a more or less expensive flight.  
• Share fee information with third parties : An airline must provide useable, current, and accurate information regarding its baggage, change, and cancellation fees and policies to any company that is required to disclose them to consumers and receives fare, schedule, and availability information from that airline.
• Inform consumers that seats are guaranteed: When offering an advance seat assignment for a fee, airlines and ticket agents must let consumers know that purchasing a seat is not necessary to travel, so consumers can avoid paying unwanted seat selection fees.
• Provide both standard and passenger-specific fee information:  Consumers can choose to view passenger-specific fee information based on their participation in the airline’s rewards program, their military status, or the credit card that they use — or they can decide to stay anonymous and get the standard fee information.
• End discount bait-and-switch tactics: The final rule puts an end to the bait-and-switch tactics some airlines use to disguise the true cost of discounted flights. It prohibits airlines from advertising a promotional discount off a low base fare that does not include all mandatory carrier-imposed fees.

DOT’s Historic Record of Consumer Protection Under the Biden-Harris Administration Both of these actions were suggested for consideration by the DOT in the Executive Order on Promoting Competition and build on historic steps the Biden-Harris Administration has already taken to expand consumer protections, promote competition, and protect air travelers. Under the Biden-Harris Administration, DOT has advanced the largest expansion of airline passenger rights, issued the biggest fines against airlines for failing consumers, and returned more money to passengers in refunds and reimbursements than ever before in the Department’s history.

• DOT launched the flightrights.gov dashboard, and now all 10 major U.S. airlines guarantee free rebooking and meals, and nine guarantee hotel accommodations when an airline issue causes a significant delay or cancellation. These are new commitments the airlines added to their customer service plans that DOT can legally ensure they adhere to and are displayed on flightrights.gov.
• Since President Biden took office, DOT has helped return more than $3 billion in refunds and reimbursements owed to airline passengers – including over $600 million to passengers affected by the Southwest Airlines holiday meltdown in 2022.
• DOT has issued over $164 million in penalties against airlines for consumer protection violations. Between 1996 and 2020, DOT collectively issued less than $71 million in penalties against airlines for consumer protection violations.
• DOT recently launched a new partnership with a bipartisan group of state attorneys general to fast-track the review of consumer complaints, hold airlines accountable, and protect the rights of the traveling public.
• In 2023, the flight cancellation rate in the U.S. was a record low at under 1.2% — the lowest rate of flight cancellations in over 10 years despite a record amount of air travel
• DOT is undertaking its first ever industry-wide review of airline privacy practices and its first review of airline loyalty programs

In addition to finalizing the rules to require automatic refunds and protect consumers from surprise fees, DOT is also pursuing rulemakings that would:

• Propose to ban family seating junk fees and guarantee that parents can sit with their children for no extra charge when they fly. Before President Biden and Secretary Buttigieg pressed airlines last year, no airline committed to guaranteeing fee-free family seating. Now, four airlines guarantee fee-free family seating, as the Department is working on its family seating junk fee ban proposal.
• Propose to make passenger compensation and amenities mandatory so that travelers are taken care of when airlines cause flight delays or cancellations.
• Expand the rights for passengers who use wheelchairs and ensure that they can travel safely and with dignity . The comment period on this proposed rule closes on May 13, 2024.

Travelers can learn more about their protections when they fly at  FlightRights.gov . Consumers may file an airline complaint with the Department  here .

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Trump criminal trial wraps for the day after opening statements and first witness

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell in the courthouse

Key takeaways from opening statements and the first witness in Trump's hush money trial

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell

Prosecutors and Trump’s attorneys delivered opening statements and the first witness — a former National Enquirer publisher — was called Monday in the historic and unprecedented criminal trial of a former president.

Each side got their first chance to lay out a theory of the case for jurors. Prosecutors told jurors that the reimbursement of hush money payments made to adult film star Stormy Daniels was part of a larger conspiracy to influence the 2016 presidential election.

The former president’s attorneys responded by telling the jury that Trump was innocent and not involved in the creation of the 34 business records he’s charged with falsifying. They also pointedly added that there’s “nothing wrong with trying to influence an election.”

Here are key takeaways from Monday:

• Prosecutors say Trump schemed "to corrupt the 2016 presidential election": The district attorney’s office framed the case for jurors as illegal payments to try to influence illicitly influence the 2016 election that Trump then tried to illegally cover up by falsifying business records. Prosecutor Matthew Colangelo walked the jury through Trump’s efforts, along with Michael Cohen and former American Media Inc., chief David Pecker, to keep damaging information from coming to light during the 2016 election.
• Defense says Donald Trump is innocent: Defense attorney Todd Blanche began his opening statement with a simple assertion: “Donald Trump is innocent.” Blanche told the jury that the story isn’t as simple as prosecutors laid out and argued that Trump was not involved with any of the business records he’s accused of falsifying beyond signing the checks. Blanche didn’t dispute the paper trail existed, but he argued to the jury there was nothing illegal about signing non-disclosure agreements — or trying to influence an election.
• Tabloid publisher testifies first: Prosecutors called former AMI CEO David Pecker as the first witness in their case against Trump. He testified for less than 30 minutes Monday morning before the trial adjourned for the day. He’s expected to continue testifying Tuesday. Colangelo teed up the former tabloid publisher as a key player in Trump’s “catch and kill” scheme to control the public narrative about him ahead of the 2016 election.
• Gag order hearing will lead off court on Tuesday: Before the trial resumes Tuesday, Judge Juan Merchan is holding a hearing on allegations that Trump violated the judge’s gag order barring discussion of witnesses. The district attorney’s office asked the judge to fine Trump $1,000 for each of several gag order violations leading up to and since the trial started. In addition to the fines, prosecutors want the judge to remind Trump he could be imprisoned if he continues to disobey the order.
• Trump was thinking about the $175 million bond hearing down the street: Meanwhile, other lawyers for Trump were in a courtroom a block away arguing over the legitimacy of the $175 million bond Trump posted to appeal the judgment in his civil fraud trial. Trump, who could not attend the civil hearing because he’s required to attend each day of the criminal trial, railed against Attorney General Letitia James.

Fact check: Trump falsely claims Michael Cohen’s crimes "had nothing to do with me"

From CNN’s Daniel Dale

Speaking to reporters Monday after opening statements in his criminal trial in Manhattan, former President Donald Trump declared that the crimes committed by his former lawyer and fixer Michael Cohen “had nothing to do with me.” 

Cohen is expected to be a key  witness for the prosecution . Trump said: “The things he got in trouble for were things that had nothing to do with me. He got in trouble; he went to jail. This has nothing to do with me. This had to do with the taxicab company that he owned, which is just something he owned – and medallions and borrowing money and a lot of things – but it had nothing to do with me.” 

Facts First:  Trump’s claim that Cohen’s prison sentence “had nothing to do with me” is false. Cohen’s three-year sentence in 2018 was for  multiple crimes , some of which were directly related to Trump. Most notably, Cohen was sentenced for  campaign finance offenses   connected to a hush money scheme  during the 2016 presidential campaign to conceal Trump’s alleged extramarital relationships -- the same hush money scheme that is central to this prosecution against Trump. Cohen was  also sentenced to two months in prison , to run concurrently with the three-year sentence, for  lying to Congress in 2017 in relation to previous talks about the possibility of building a Trump Tower in Moscow, Russia , including about the  extent of Trump’s involvement in the aborted Moscow initiative  and about when in 2016 the discussions ended. (The discussions continued into June 2016, the month after Trump  became the presumptive Republican nominee , and did not conclude in January 2016 before the first votes were cast, as Cohen had claimed.)

Referring to Trump as “Individual-1,” Cohen  said  at the time of his 2018 guilty plea for making false statements to the US Senate Select Committee on Intelligence: “I made these statements to be consistent with Individual-1’s political messaging and out of loyalty to Individual-1.” When Cohen pleaded guilty in 2018 to the campaign finance violations, he  said  he broke the law “in coordination and at the direction of a candidate for federal office,” Trump. 

David Pecker is an important witness in prosecutor's quest to prove criminal intent, legal analyst says

From CNN's Elise Hammond

David Pecker will be back on the stand on Tuesday to continue testimony in the hush money trial against former President Donald Trump. Not only is he the first witness to answer questions from the prosecution, but he is also a critical piece of how the state is trying to prove criminal intent, one former federal prosecutor said.

Criminal intent means that “not just an act happened, but an act happened for a purpose,” said Elliot Williams, a CNN legal analyst. “The defendant did something wrong to carry out some criminal purpose.”

As the then-chairman of American Media Inc., which publishes the National Enquirer, Pecker was involved in numerous “catch-and-kill” schemes he orchestrated on behalf of Trump, and he allegedly helped broker the deal with adult film star Stormy Daniels which is at the center of  the case.

“It’s not just the catch-and-kill payments, but catch-and-kill payments for the purpose of concealing information from voters in the context of an election,” Williams explained, referring to the 2016 presidential election. 

Williams said it’s likely that prosecutors will focus much of their questioning trying to uncover what was discussed in meetings between Pecker and Trump.

The question at the heart of the argument, Williams said, is if the payments were intended to conceal information from voters, “or was it just Donald Trump saying, ‘Well, you know, this is embarrassing to my wife and my kids, I really want to keep this hidden.’”

Read about the stages of Trump's criminal trial — and what they mean 

From CNN's Lauren del Valle, Jhasua Razo and Gillian Roberts

Former President Donald Trump’s first criminal trial is expected to take six to eight weeks from start to finish.

This trial, related to a  hush money payment  to adult film star Stormy Daniels in 2016, is the first of  four ongoing criminal cases  that are expected to head to trial for the presumptive 2024 GOP presidential nominee.

Now that opening statements are done, prosecutors are presenting trial evidence through witness testimony and exhibits. David Pecker, the ex-publisher of the National Enquirer, will resume testimony Tuesday.

Defense attorneys can cross examine the prosecution’s witnesses and typically aim to discredit their testimony. Witnesses’ responses are considered evidence, but not the questions posed by an attorney.

Read more about the stages of the trial, and what they mean here.

Michael Cohen jabs back at Trump's claim that Cohen's crimes have nothing to do with him

From CNN's Laura Dolan

Michael Cohen, who is expected to be a key witness in Donald Trump’s criminal trial, jabbed back at his former boss in response to comments Trump made about him outside the courtroom Monday.

Speaking to reporters in the courtroom hallway after court concluded, Trump said Cohen’s crimes have “nothing to do with me."

“He got in trouble, he went to jail. This has nothing to do with me,” said Trump. “This had to do with the taxicab company that he owned, which is just something he owned — and medallions and borrowing money.”

Shortly after those comments. Cohen posted on social media, “Hey Von ShitzInPantz … your attacks of me stink of desperation. We are all hoping that you take the stand in your defense. 

Cohen, who is Trump’s former attorney, served time in federal prison after pleading guilty to breaking federal campaign laws when he facilitated the $130,000 payment to Stormy Daniels, which is directly linked to the charges against Trump.  As for the taxi medallions that Trump referenced, Cohen was also sentenced for tax evasion related to a taxi medallion enterprise and lying to a bank in relation to a home loan. 

Trump is under a gag order and was ordered by Judge Juan Merchan not to comment about any witnesses in the trial.

CNN's Daniel Dale contributed to this post.

See courtroom sketches from today's Trump trial

No cameras are allowed inside the Manhattan courtroom where Donald Trump's hush money trial is underway, but a sketch artist captured the scene as opening statements unfolded and the first witness took the stand.

Biden builds early advertising edge as Trump spends millions on legal fees

From CNN's David Wright

President Joe Biden and his allies have nearly tripled Donald Trump’s network in ad spending over the last month and a half while the former president has had to devote millions of campaign funds to legal expenses — and sit in a New York courthouse for his hush money trial.

Since March 6, after Super Tuesday when Trump effectively secured the 2024 GOP presidential nomination, through April 21, Biden’s campaign and other Democratic advertisers spent $27.2 million on advertising for the presidential race, while the Trump campaign and GOP advertisers spent about $9.3 million, according to AdImpact data.

Ad spending data (presidential race, March 6 to April 21)

• Democrats: $27,153,293
• Republicans: $9,344,948

During that time, Biden's campaign has spent millions in key battleground states, including $4.1 million in Michigan, $3.9 million in Pennsylvania, and at least $2 million in Arizona, Wisconsin, and Georgia. And the Biden network has used its plentiful airtime to promote the administration’s first-term record and slam Trump, focusing on key issues such as the  cost of living  and  abortion rights .

Meanwhile, Trump’s network has failed to match that effort since he became the presumptive nominee, though a pro-Trump super PAC, MAGA Inc., recently ramped up its advertising, booking over $1 million worth of airtime in Pennsylvania to coincide with Biden’s recent campaign swing through the state last week.

Trump has also benefited over that stretch from a nearly $3 million anti-Biden campaign from outside groups aligned with the oil and gas industries, which have been  running ads  in Pennsylvania, Michigan, and Wisconsin, criticizing California fuel standards  defended  by the Biden administration. But despite some recent signs of activity, Trump’s network has been significantly outspent on the airwaves since his general election matchup with Biden came into focus. And  the latest round of FEC filings  shows how Biden’s fundraising edge is enabling that advertising advantage, as Trump’s ongoing legal battles drain millions from his campaign coffers.  

How we got here: A timeline of the Donald Trump and Stormy Daniels hush money case

From CNN’s Lauren del Valle, Kara Scannell, Annette Choi and Gillian Roberts 

The first criminal trial of a US ex-president is underway in New York, where former President Donald Trump faces charges from the Manhattan District attorney related to a hush money payment to adult film star Stormy Daniels in 2016. 

This is the first of four criminal cases expected to go to trial for Trump, also the presumptive 2024 GOP presidential nominee. CNN compiled a timeline of the key events leading up to the historic trial. 

Here’s how we got here: 

• September 2016: Donald Trump discusses a $150,000 hush money payment understood to be for former Playboy model Karen McDougal with Michael Cohen who secretly records the conversation . McDougal has alleged she had an extramarital affair with Trump beginning in 2006, which he has denied. 
• October 7, 2016: The Washington Post releases an "Access Hollywood" video from 2005 in which Trump uses vulgar language to describe his sexual approach to women with then show host Billy Bush. 
• October 27, 2016: According to prosecutors, Cohen pays Daniels $130,000 to her attorney through a shell company in exchange for her silence about an affair she allegedly had with Trump in 2006. This $130,000 sum is separate from the $150,000 paid to McDougal. Trump has publicly denied having any affairs and has denied making the payments. 
• November 8, 2016: Trump secures the election to become the 45th president of the United States. 
• February 2017: Prosecutors say Cohen meets with Trump in the Oval Office to confirm how he would be reimbursed for the hush money payment Cohen fronted to Daniels. Under the plan, Cohen would send a series of false invoices requesting payment for legal services he performed pursuant to a retainer agreement and receive monthly checks for $35,000 for a total of $420,000 to cover the payment, his taxes and a bonus, prosecutors alleged. Prosecutors also allege there was never a retainer agreement. 
• January 2018: The Wall Street Journal breaks news about the hush money payment Cohen made to Daniels in 2016. 

See the full timeline.  

Trump is also facing charges in 3 other criminal cases

From CNN’s Devan Cole, Amy O'Kruk and Curt Merrill 

The hush money criminal trial against former President Donald Trump is just one of  four criminal cases  he faces while juggling his presidential campaign.

The former president is facing at least  88 charges  over the four criminal indictments in Georgia, New York, Washington, DC, and Florida. Trump has pleaded not guilty to every charge in these cases. 

Here's a recap of each case: 

• Hush money:  Trump was first indicted in March 2023 by the Manhattan district attorney on state charges related to a hush-money payment to an adult film star in 2016. Prosecutors allege Trump was part of an illegal conspiracy to  undermine  the integrity of the 2016 election. Further, they allege he was part of an unlawful plan to suppress negative information, including the $130,000 payment. 
• Classified documents:  Trump was indicted in June 2023 by a federal grand jury in Miami for taking classified national defense documents from the White House after he left office and resisting the government’s attempts to retrieve the materials. The National Archives said in early 2022 that at least 15 boxes of White House records were recovered from the estate, including   some that were classified . The charges were brought by special counsel Jack Smith. 
• Federal election interference:  Smith separately charged the former president last August with four crimes over his efforts to reverse the 2020 election results. The indictment alleges Trump and a co-conspirator "attempted to exploit the violence and chaos at the Capitol by calling lawmakers to convince them ... to delay the certification" of the election. That case is currently on hold as the Supreme Court weighs Trump’s claims of presidential immunity in the matter. 
• Fulton County:  State prosecutors in Georgia brought a similar election subversion case against Trump and others. An Atlanta-based grand jury on August 14, 2023, indicted Trump and 18 others on state charges stemming from their alleged efforts to overturn the former president’s 2020 electoral defeat. A trial date has not yet been set in that case. 

Read more about  the four criminal cases  Trump faces.  

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