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• The Literacy Year

Travelling Books

From Scholastic UK

Resource type: School book fair

Price band: Free

Key stage: KS1, KS2, KS3

Region(s): All of UK

Travelling Books offers a Book Fair scheme that allows schools to earn up to 60% of their Book Fair sales value in Rewards. The Rewards can be used to buy books and teaching resources from a range of over 10,000 titles available through the Scholastic Schools Catalogue or the online Scholastic Shop.

Travelling Books supplies mobile bookcases pre-packed with a selection of hundreds of titles that cover all reading ages and interests. Prices start from £2.99 to ensure that there is something for everybody.

Schools are responsible for planning, promoting and running their Book Fair, but local Book Fair Distributors are available to provide advice and support over the phone. There are also free planning and promotional resources available to download from the Travelling Books website.

 Cost:  Free. In addition, schools can earn up to 60% of the value of the event sales, depending on the total value of the sales.

About The Travelling Book Company:  The Travelling Book Company was bought by Scholastic UK in 2015, and is now part of Scholastic Coporation, the world’s largest publisher and distributor of children’s books.

Literacy Hive Likes

• The books offered through Travelling Books are selected from over 60 different publishers and include the latest books from big name authors, tried and tested classics, non-fiction and pocket-money pick-ups.
• Rewards can be used to buy individual titles, but there are also curated book and resource packs that offer savings of up to 50% on the published price.
• Book Fairs can be a good way to get new books for the school library or classroom without dipping in to the school budget.

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bookfairs.scholastic.co.uk

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How to get the most from your points or miles

Why booking economy class can save you more, tips for earning more points and miles with your travel card, other ways to get the most value from your travel rewards, the bottom line, want more value from your travel points or miles book economy.

Low-priced business-class award tickets are extremely hard to find, but economy-class awards can be plentiful.

Jason Steele

Credit card expert and founder of CardCon

As a freelance personal finance writer since 2008, Jason has contributed to over 100 outlets including Forbes, USA Today, Newsweek, Time, U.S. News, Money.com and NerdWallet. As an industry leader, Jason has spoken at dozens of conferences and is the founder and producer of CardCon, an annual conference for credit card media. Jason also consults with individuals and small business owners to create customized plans to help them earn and spend travel rewards. He can be reached via his website; JasonSteele.com and on LinkedIn.

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Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

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When you redeem your credit card points or miles for travel rewards, you’ll usually receive more value than you would from cash back, gift cards or merchandise. 

Among travel enthusiasts, conventional wisdom says you’ll receive the most value from your points and miles when you redeem them for travel in business or first class. Award travel involves covering the price of airfare, hotel stays or another aspect of your travel by using credit card rewards you’ve earned by making purchases. 

Maximizing rewards by redeeming for business- or first-class seats was true for decades, and it still makes sense in some instances. But increasingly, we’re starting to see more value from miles redeemed for economy-class tickets. 

Credit card points and miles can typically be redeemed for a variety of rewards, including cash back and travel. The key to receiving the most value from your points and miles is to clearly identify the alternative amount you would’ve spent if you didn’t redeem them. 

The typical redemption rate is 1 cent per point or mile -- or less -- when redeeming your rewards for cash back, gift cards or merchandise. A good, baseline value to look for in your points is at least 2 cents per point. Typically, you’ll need to utilize point transfers to see that kind of value. You can calculate the value of a reward by dividing the value of the reward in dollars by the points required to redeem the reward.

For example, if you can purchase an economy-class ticket to Europe for $1,800 or book the ticket by redeeming 80,000 miles, then you’ll receive 2.25 cents in value per mile redeemed (1,800 / 80,000) -- far better than the typical rate. 

The lowest prices in miles for award flights in international business are typically about double the price of an economy-class ticket. And since an international business-class ticket can sometimes cost three or four times the price of an economy-class ticket, it’s possible to receive even more value per point or mile redeemed.

For example, a one-way, United economy-class ticket from Denver (DEN) to Athens (ATH) would run you $901, while a business-class ticket costs $5,605. 

The economy ticket could be booked for 43,900 miles, which means you’d get a per-point value of 2.05 cents. The business ticket can be booked using 175,000 miles, which translates to a per-point value of 3.20 cents. 

But considering what you’d have spent to earn the business-class ticket, booking economy is likely still more cost effective. Also, were you to have enough miles to book the business-class ticket and you still chose to book economy, you’d have enough miles left over to book one or even two more trips.

Additionally, when trying to use your points and miles to book these business-class awards at the lowest prices, obstacles can arise.

Limited valuable award seats

First, airlines are extremely stingy in the number of business-class international award seats they make available at the lowest prices. In fact, it’s normal for an airline to offer no business-class international award seats on a popular route at the lowest mileage levels. Plenty of seats are often available for much higher mileage levels, but that prevents travelers from receiving a good value from their miles. 

When they are available, business-class award seats at the lowest mileage levels may be for a less desirable route with multiple layovers.

Challenges with group travel

Airlines will often release one or two business-class awards at the lowest mileage levels on a particular flight. This can be great for singles and couples, but families and other groups are almost always out of luck. I have a family of five, and in my experience, I’ve found some airlines will occasionally offer flights with four business-class award seats at the lowest miles, but it’s extremely rare to see more than that. 

Furthermore, these “unicorn” flights that have four or more business-class award seats at the lowest mileage levels, are usually available very far in advance. To have the best chance of booking them, you should start searching as soon as the airline makes reservations available, 11 months prior to departure.

The ease of economy class

Booking economy-class awards typically presents fewer hurdles. Numerous flights have four or more economy-class awards available at the lowest mileage levels. You’re also more likely to get an ideal routing or even a nonstop flight. 

It’s not uncommon for airlines to continue to make economy-class awards available at the lowest mileage levels within a few weeks, or even days, of departure. Experienced travelers know that when you don’t purchase tickets with advanced notice, even economy-class tickets can be extremely expensive. This can make your travel rewards points and miles more valuable. 

There are three top ways to earn travel rewards with a card. The first is to earn generous new-account bonuses. The best cards can offer new applicants 100,000 points or miles when they complete a minimum spending amount within a specified time period. 

Next, you’ll want to use the card that offers the most possible rewards per dollar spent for your regular purchases. For example, you might use a card like the American Express® Gold Card that earns 4x points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x) and restaurants, while using the Chase Sapphire Reserve® that offers you 3x points on travel after spending $300 on travel purchases annually. Then, earn 1.5% cash back by using the Chase Freedom Unlimited® for other purchases that don’t qualify for a bonus.

Travel rewards enthusiasts typically love to earn points in flexible travel rewards programs like American Express Membership Rewards, Chase Ultimate Rewards, Capital One Miles and Citi ThankYou points. 

These rewards can often be transferred to a variety of airline and hotel partners. By transferring your rewards points and miles to these programs, you’ll often be able to realize the highest possible value from your credit card rewards.

Though it would be great to always travel in business class, it isn’t always possible to do so with your travel rewards. By considering the low prices and greater award availability of economy-class travel, you could stretch your rewards even further.

*All information about the American Express Gold Card has been collected independently by CNET and has not been reviewed by the issuer.

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20 Best Travel Books to Spark Your Wanderlust

As a passionate traveller, much of my wanderlust has been inspired by books. Reading about the exploits of others has fuelled my desire to hit the road and have adventures of my own. At a time when many of us are in lockdown, staying motivated and keeping our travel dreams alive is more important than ever. Here are twenty non-fiction travel books which have inspired me over the years.

1. Moods of Future Joys: Around the World by Bike Part One – From England to South Africa

Alastair has written so many excellent books that it’s difficult to choose just one. This is the first of two books which tells of his four-year bicycle trip around the world. This compelling account sees him setting off from his North Yorkshire village with his mother shouting after him that he has forgotten his helmet to camp in the wilds of Africa. Alastair is refreshingly self-deprecating and unafraid to share his insecurities. His resounding message is that if he can do it, anyone can. 

2. Hand to Mouth to India: Hitchhiking to India with no money by Tom Thumb

An uplifting tale from Tom Thumb, who at twenty years old, made his way from England to India without a penny in his pocket. Hitchhiking and busking his way to the sub-continent with a backpack and clarinet, Tom shares colourful stories of the characters he encountered along the way and the abundance of kindness he received from strangers. The ultimate budget travel adventure which demonstrates how you don’t necessarily need money to hit the road.

3. Collected Works of Isabella L. Bird

Victorian explorer, Isabella Bird, suffered from ill health for much of her life, but it didn’t stop her having an array of adventures all over the world. During a period when women explorers were a rarity, she was the first female to become a ‘fellow’ of the Royal Geographical Society. These works include her travels in Japan, Hawaii and North America. Both keen travellers and history buffs will be riveted by the intrepid nature and vivid descriptions of her journeys.

4. Wild: A Journey From Lost to Found by Cheryl Strayed

The Pacific Crest Trail was on my radar long before this book published, but this best seller re-ignited my resolve to undertake the 2,650-mile hike. Cheryl started walking after her life fell apart following the death of her mother to ‘find her way back to being the person she used to be’. Faced with sweltering deserts, snow-covered mountains, rattlesnakes and bears, the author walked 1,100-miles of the trail which starts at the Mexican border and finishes in Canada. A personal and captivating book which will resonate with anyone whose world has been devastated by the loss of a loved one.

5. Travels with Charley: In Search of America by John Steinbeck

John Steinbeck was 62 when he travelled all over the US in his campervan with his beloved French Poodle, Charley. Together, the pair embarked on adventures from Maine to California in the early sixties. Both a travelogue and an insight into a great American writer, Steinbeck’s observations are honest, humorous, and beautifully evocative. The book is a gentle journey into the America of another era and will appeal to anyone with a penchant for travels of a bygone era.

6. Lone Rider: The First British Woman to Motorcycle Around the World by Elspeth Beard

This is an absorbing and deeply personal story of a young woman who set off on a motorbike journey around the world in 1984. Taking place in a pre-internet era, the journey spanned two and a half years and 3,500 miles. It’s a rollicking ride and Elspeth doesn’t hold back when she describes the accidents, horrendous weather, and sexism she experienced en route. I was swept along on her awe-inspiring journey which definitely fell into the ‘un-put-downable’ category. Anyone with a vaguely adventurous spirit will enjoy this book, whether a motorbike enthusiast or not.  

7. Vagabonding: An Uncommon Guide to the Art of Long-Term World Travel by Rolf Potts

If you don’t want to catch a severe case of wanderlust, don’t pick up this book! Vagabonding will have you dusting off your backpack and booking your flight to a far-flung location before you reach the second chapter. Peppered with various quotes from travellers and writers, Rolf Potts offers practical and motivational advice aplenty. The author focuses on how travel can enrich your life and why you don’t need to be wealthy to embark on long-term adventures. It’s a particularly great read for first-time travellers who need that extra push to get out there and explore the world.

8. Giant Steps by Karl Bushby

Karl Bushby is aiming to be the first person to walk an unbroken path around the world, starting at the tip of South America all the way to his home in Sheffield, England. The book covers the first segment of the journey which took him across the Bering Straits on foot. Karl shares both his emotional and physical challenges, from loneliness and romances (of which there are many) to the unique encounters along the way. A gripping page-turner for adventure junkies and armchair travellers alike.

9. On the Road by Jack Kerouac

This beat-generation classic was written in the fifties by the original King of the Road, Jack Kerouac. The book is a novel based on the author’s road trip across the USA with his quirky, adventurous buddies. The freedom of the open road is romanticized with dazzling descriptive writing and the message is that life out there to be lived. It’s a timeless read that remains invigorating and inspiring, and will appeal to anyone with nomadic tendencies.

10. World Stompers: A Global Travel Manifesto by Brad Olsen

This is an offbeat guide for those planning a big adventure. Combining practical advice with words of motivation, it is accompanied by rudimentary, but engaging artwork, and has a funky youthful vibe. The author, who travelled to twenty-eight countries after graduating business school, shares his top tips on the best party destinations and key highlights of each continent. It’s aimed at backpackers on a shoestring budget, and while it’s not too deep, it’s a fun alternative to mainstream travel guides.

11. To Shake the Sleeping Self: A Journey from Oregon to Patagonia and a Quest for a Life with No Regret by Jedidiah Jenkins

In a thoroughly modern memoir, Jedidiah quits his job and sets off on a journey by bicycle from Oregon to Patagonia. During the course of his journey he attempts to reconcile his sexual identity with his conservative Christian upbringing. An engrossing account of his exploits and quest to live a life without regret, it’s a story that will push others to trade the rat-race for a spiritual and physical journey of their own.

12. The Moonlight Chronicles: A Wandering Artist’s Journal by Dan Price

Dan is a true nomad who records his adventures in both words and drawings. Whether he is hiking the trails close to his hobbit house, or surfing in Hawaii, his life is about simplicity and connection with nature. He practices mindfulness, drawing things that most people are too busy to see as they rush through life. The Moonlight Chronicles offer a fresh perspective in the way we see the world around us.

13. Into the Wild by Jon Krakauer

Chris McCandless is a hero to many a drifter. As a young graduate, he rejected his middle-class family, abandoned his car and gave away all of his money before hitting the road to the remotes of Alaska. IBased on a true story, Into the Wild tells his story which tragically came to an untimely end when he died whilst living in an abandoned bus in Alaska. Including his own quotes and those of his favourite writers, this book is an inspiring insight into the mind of a true free spirit.

14. I Travel Light: The Man who Walked out of the World by Adam Greenman

Written in a simple yet effective style, Greenman recounts a decade of world wanderings. From building a treehouse on a Brazilian beach, to becoming a fisherman in India, to staying in a ruined cottage in the Spanish mountains, Adam survives on very little money and a wealth of self-sufficiency. Ultimately, the nomad renounces all his worldly goods and heads out to explore Eastern Europe. Brimming with enthralling exploits, it’s an ideal book for those aspiring to travel sustainably.

15. How to Live in a Van and Travel by Mike Hudson

For many years, Mike spent day after day gazing out of his office window thinking that there must be more to life. These days, his van is his office and he has created a life of adventure for himself on the road. In this book the author provides the scoop on van life and how to live and work on the move. Along with practical tips, he also provides oodles of motivation to anyone who has ever considered the free-wheeling life of a van dweller. 

16. The Boy Who was Afraid of the World: A True Story of Fear and Hitchhiking by Jamie Bowlby-Whiting

Suffering from irrational fears and panic attacks as a child, it wasn’t until age twenty-five that Jamie decided to conquer his demons. Burnt out by a mundane 9-5 lifestyle in England, he decided to hitchhike, cycle, and raft his way across Europe. Not only is the book about pushing psychological boundaries and going beyond the comfort zone, but it’s also a riveting adventure story. An ideal read for anyone who needs a little help in overcoming their fears.

17. Running With the Moon: A Boy’s Own Adventure – Riding a Motorbike through Africa by Jonny Bealby

This adventure takes place a couple of years after Jonny’s fiancée died unexpectedly while travelling in Kashmir. Heartbroken, the author sets off across Africa in an attempt to find some meaning in his life. His tales of the landscapes, villages, people he meets along the way are vivid and lyrical. It’s a bittersweet tale of bravery, love, loss, and exploration which sweeps readers along on a journey of the heart.

18. Odyssey: Ten Years on the Hippie Trail by Ananda Brady

Back in the seventies, hippies blazed a trail for the backpackers who followed, and the rest is history. Ananda was one of the original hippies, and he recites the tales of his escapades in this engrossing memoir. Whether he was living the high life next to a lake in Guatemala or hanging out with Bedouins in North Africa, he immersed himself in culture, spirituality, and the company of his fellow seekers. Beautifully written, it’s a glimpse of an evocative era in the history of travel. Anyone with an appreciation for adventure and the counterculture will be enchanted by Ananda’s recollections of life on the Hippie Trail.

19. How not to Travel the World: Adventures of a Disaster-Prone Backpacker by Lauren Juliff

Despite Lauren’s long list of unfortunate experiences whilst backpacking around the world, her book is about following your dreams and finding humour in adverse situations. It’s a funny and relatable account of her travels and how she fell in love with life on the road in spite of her repeated mishaps. Although the book is about the highs and lows of travel, it’s ultimately life-affirming, and a light-hearted look at backpacking that will tempt readers into embracing their own misadventures.

20. The Kindness of Strangers: Penniless across America by Mike McIntyre

Mike left home to cross the USA without cash or credit cards, relying on the kindness of strangers for rides, food, and shelter. People from all walks of life offered him help, and he discovers, as many travellers do, that those who give most are the ones with least to share. Taking tributary roads through America’s small towns, Mike meets a host of characters, each with their own story to tell. The book is both a travel narrative and an insight into humanity. Mike’s story is told with sensitivity and humour and is a reminder of the goodwill that still exists in the world.

I would love to add another book in this collection.

“Grit, gear and gravel” by Dhruv Bogra-

Thanks – I have just downloaded it! 🙏

Mike Hudson’s book is absolutely amazing, read it not so long ago 😀

Ah, yes! I have this – definitely an inspiring read!

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Best Travel Credit Cards and Points Earning Strategies During the Pandemic

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With travel practically halted, you may be wondering what you can do to earn cash back, miles or points to book future travel. Good news: There are credit cards and earning strategies to increase your balances even while you are not in the air or on the road.

Best travel credit cards

During normal travel times, co-branded credit cards that pay points with a specific airline or hotel group are a great way to earn award travel. But now that travelers are mostly grounded, award programs operated by banks and financial services companies are worth a second look. The programs of Chase Bank, American Express and others let you earn points you can redeem for travel or other rewards directly through the program. Or you can transfer your points to airline, hotel or other travel partners. Here you can find information about which airlines and hotels partner with any of four popular programs:

AmEx Membership Rewards transfer partners .

Capital One Miles transfer partners .

Chase Ultimate Rewards® transfer partners .

Citi ThankYou Rewards transfer partners .

Each of these programs offers credit cards tailored to different types of users. Look for cards with high earn rates in “bonus categories” that pay you extra points for shopping at specific types of merchants, like gas stations and supermarkets. Then simply align your spending on credit cards that have high point earn rates for those spend categories, and you will continually earn cash back or points to book future award travel.

American Express cards

American Express continues to adapt to changing consumer behavior by updating the earn rates and benefits on some of its cards. Looking for a personal card? Keep your eye on The Platinum Card® from American Express (5x points on airfare), American Express® Gold Card (4x points on dining and U.S. supermarkets) and American Express® Green Card (3x points on dining and travel). Terms apply.

Business owners may find value in The Blue Business® Plus Credit Card from American Express , which pays 2x points on all transactions up to $50,000, above which it pays 1x points. The Business Platinum Card® from American Express earns 5x points on airfare and hotels booked on AmEx Travel. Terms apply.

» Learn more: AmEx Membership Rewards: How to earn and use them

Capital One credit cards

The Capital One Miles program is relatively new among transferable points programs. Unlike Chase and Citi, whose points transfer to all partners at a 1:1 ratio, Capital One Miles transfer to partners at ratios that vary from 1:1 to 2:1.

The Capital One Venture Rewards Credit Card is a personal credit card you should consider. This card earns 5x miles on hotels and rental cars booked through Capital One travel and 2x miles on every other transaction. In terms of business credit cards, the Capital One Spark Miles for Business also earns 2x miles per transaction and 5x on hotels and rental cars booked through the travel portal.

Citi credit cards

The Citi ThankYou Rewards program offers a limited number of credit cards that pay transferable ThankYou points.

One of the more well-known Citi ThankYou cards is the Citi Premier® Card , a premium card, earning 5x points on dining and airfare. Also popular is the Citi Prestige® Card , which pays 5x points on restaurants and travel.

Another Citi credit card to keep on your radar is the Citi Double Cash® Card . Until recently, this card earned only cash back, but thanks to some recent changes, you can now turn your cash-back rewards into Citi ThankYou points, which you can then transfer to any of Citi’s partner airline programs.

Chase credit cards

Like American Express, Chase continues to push the envelope with its personal and business credit cards. It can be argued that the Chase Ultimate Rewards® program has the most well-rounded lineup of credit cards that earn transferable points.

Chase personal credit cards to consider applying for are the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card . You are not able to apply for both. Of these two cards, the Chase Sapphire Preferred® Card could be a good choice if you are new to earning transferable points.

The Ink Business Preferred® Credit Card is the lone Chase business card that earns transferable points. This card earns 3x points on cable, internet and phone services, travel, shipping, and social media and search engine advertising purchases.

Similar to Citi, you can earn cash back with Chase cards and convert the cash into Chase Ultimate Rewards® points. To make these conversions, you must be a Chase Sapphire Reserve® , Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card holder.

Personal cash back cards to consider applying for are the Chase Freedom Unlimited® . The current welcome offer is: 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!

Business owners can also take advantage of cash back to points conversions. The Ink Business Unlimited® Credit Card earns 1.5% cash back on all transactions. Think of this card as the business equivalent of the Chase Freedom Unlimited® . Ink Business Cash® Credit Card holders earn 5% cash back on the first $25,000 spent on cell phone, landline, internet and cable TV services, and at office supply stores.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Best points earning strategies

Before you do any online shopping, consider using a shopping portal to earn additional cash back, miles or points on your spend. If you are not focused on earning specific airline miles or credit card points, Cashback Monitor is a great place to see what your earning potential is across myriad merchants.

Cashback Monitor

Cashback Monitor is a helpful website that shows your cash back, miles and points-earning options at merchants you are looking to use. Enter the merchant you want to shop in the top left “Search Store Here” field and Cashback Monitor shows your cash back, airline and credit card points-earning options.

For example, let’s say you want to shop at Lululemon. After you search for Lululemon, Cashback Monitor shows the highest-earning cash back, travel miles/points, credit card points and other rewards points options. Simply click through to your preferred option and you will earn rewards on your purchase.

» Learn more: Cashback Monitor review

Cash back portals

Earning cash back when you shop is ideal for travelers who do not want to deal with airline award charts or transferring credit card points to airline or hotel loyalty programs. Examples of shopping portals, among the many that are available, include Mr. Rebates and TopCashback.

Airline shopping portals

Many airlines have shopping portals, which let you earn miles by shopping hundreds of big-name and specialty retailers online. Just register with the shopping portal then start at its website to navigate to the store you want to shop. You’ll automatically earn miles when you make a purchase. Airline shopping portals include:

Aeroplan eStore .

Alaska Mileage Plan Shopping .

American Airlines AAdvantage eShopping .

British Airways Executive Club eStore .

Delta SkyMiles Shopping .

JetBlue TrueBlue Shopping .

Southwest Rapid Rewards Shopping .

United MileagePlus Shopping .

Credit card portals

There are several credit card portals where you can pad your credit card point balance when you shop. You must be a cardmember with a card that earns points in order to earn additional credit card points. Examples of credit card portals include:

Barclaycard RewardsBoost .

Shop Through Chase.

Wells Fargo Earn More Mall .

Other rewards portals

Rakuten is a hybrid portal option that allows you to earn either cash back or points. This website previously was strictly a cash back portal. In 2019, Rakuten opened up the option to earn American Express Membership Rewards points in addition to cashback. For example, a merchant that used to offer 1% cash back now offers 1% cash back or 1 AmEx point per $1 on your purchase.

Additional ways to earn points and miles

American Express, Chase, Delta Airlines, Hilton Hotels and other loyalty programs offer unique ways to earn points or miles. American Express and Chase have what are called AmEx and Chase Offers , respectively. Enroll your points-earning card in an offer and you can earn additional points when you make a purchase with a select merchant.

Chase, Delta and Hilton partner with Lyft. By linking your loyalty program accounts with your Lyft account, you earn additional Chase, Hilton or Delta SkyMiles on Lyft rides. Delta also partners with Airbnb to let you earn SkyMiles with your Airbnb spending.

The United MileagePlus X app is an interesting way to earn United Airlines miles. Use the app for your online shopping and you will earn miles shopping at select merchants.

» Learn more: How to rack up points and miles with everyday spending

The bottom line

Now is a great time to earn cash back, miles or points. By choosing the right credit card or taking one or two extra steps before you shop, you can build the points and miles balances in your accounts. When travel opens back up, you will be well-positioned to book your next trip.

All information about the Chase Freedom® card has been collected independently by NerdWallet. The Chase Freedom® is no longer available through NerdWallet.

The information related to Citi Prestige® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

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

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 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.

$300 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!

on Capital One's website

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

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

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7 Professional Travelers Share Their Absolute Favorite Travel Rewards Program — and Why

Top experts pick their favorite travel loyalty program.

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For frequent travelers, having a go-to loyalty program can be a game-changer. If you tend to fly on planes, stay at hotels, or spend on credit cards — or like me, you do all of the above — sticking with a program (or two) can make travel more accessible, enjoyable, and sometimes, downright luxurious. And if you play your cards right (pun intended), the rewards can add up relatively quickly. 

Take my favorite travel rewards program of the moment, Bilt Rewards. Bilt lets me earn points on rent payments, my biggest monthly expense, without incurring additional fees. These points, similar to Amex Membership Rewards points , Chase Ultimate Rewards points , and Capital One miles , are considered a transferable currency. That means they are programs that are more versatile than traditional airline miles or hotel points since you can move them to a variety of loyalty accounts on an as-needed basis. In the case of Bilt, I can transfer my existing points to more than a dozen travel programs instantly, including the two that I am most loyal to. With Hyatt and American — my hotel and airline of choice, respectively — I can stay at luxury hotels or book business-class flights by transferring my Bilt points. 

Wondering what programs other experienced travelers can’t live without? I asked eight professional jet-setters (and trendsetters) what their favorite loyalty programs are — and how they maximize those rewards.

World of Hyatt

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“My love of luxury hotels had a very definitive start a little over 10 years ago when another miles and points enthusiast introduced me to the Hyatt loyalty program, now known as World of Hyatt. I had been deeply entrenched in the world of luxury airline travel with miles for several years at that point, but never cared where I stayed once I got to my destination — until my first stay at a luxury hotel, using Hyatt points, changed my perspective entirely. World of Hyatt offers a combination of value, strong loyalty recognition, and transfer accessibility. I regularly book award stays valued at over two cents per point, upgrade perks as an elite member are consistent, and what I don’t earn from stays, I can transfer from Chase Ultimate Rewards for redemptions. While their global footprint isn’t the largest, they make continuous efforts to expand their portfolio through strategic acquisitions and partnerships, and their focus is very clearly on establishing a strong luxury positioning. The established Small Luxury Hotels partnership and the upcoming integration of Mr. and Mrs. Smith-marketed properties are both great examples of ways Hyatt thinks outside of the box to bring members additional opportunities to earn and redeem points on luxury stays.” — Michelle González, Luxury Travel Expert and Creator ( @laxtoluxury )

American Express Membership Rewards

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"My favorite rewards program is Amex Membership Rewards and has been since day one. I got my first Amex credit card over 10 years ago when I was fresh out of college and working as an executive chef, and it literally opened up the world to me. Thanks to Amex points, I learned very quickly that if you spend smarter, you travel better. I’ve traveled to almost 80 countries, flown across the globe in style on the most aspirational first-class airlines, and spent countless nights at the most luxurious hotels. Most importantly, I’ve created lifelong memories and had travel experiences that I never thought were possible. There are two main reasons why I prefer Amex above all others. First, you can earn a significant amount of points without needing to spend substantial amounts of money to earn them by using the Amex Platinum, Amex Gold, and Amex Green cards. I’ve done this all while living within my means and keeping my credit pristine. Secondly, there’s so much power behind these points when they are redeemed properly. When transferring Amex points to its airline and hotel partners, you are able to substantially increase the value of these points by leveraging the award charts and breaking away from the fixed value of the points when used directly with Amex Travel." — Tommy Lonergan, Partner at Freedom Travel Systems ( @travelliketommy )

Delta SkyMiles

Courtesy of Delta Airlines

There is an airline loyalty program that I think pound for pound, knocks most of the other competition out. Delta’s SkyMiles program has so many benefits that I have discovered. I love how Delta makes it easy to earn miles which I can then use to book flights and vacation packages. Then, I really enjoy the perks at each status level, especially as I level up like being able to upgrade faster and easier. I appreciate Delta’s SkyTeam alliance partners and redeeming miles with over a dozen other affiliated airlines. Delta also makes me feel like I am appreciated because when I choose to fly with them, I receive personal greetings and have even gotten handwritten letters congratulating me on my new status placed in my seat before I boarded. They also sent me my own Delta location tag that will track my bag wherever. Outside of the loyalty programs, I enjoy their lounges, which are world-class and make my airport experience more relaxing. — Jeff Jenkins, Host of Never Say Never on National Geographic ( @chubbydiaries )

Editor's note: Delta SkyMiles has recently changed how travelers earn status and its lounge admissions policies. Read more here .

American Airlines AAdvantage

"As a full-time traveler, my favorite loyalty program is American Airlines. Determining the best loyalty program is subjective. All loyalty programs, obviously, have their strengths and weaknesses — and it’s really about what you prioritize as a traveler and where you land when it comes to the tier. The first thing I tend to look at is the advantages of utilizing partner airlines, because I travel internationally so often. American has quite a number of partners in the Oneworld alliance; it’s a huge advantage to have partners all over the world to redeem miles. For instance, I love Qatar Airways Qsuites, it’s my favorite way to fly. In my opinion, it’s the best redemption of American miles. As an Executive Platinum Elite member, I receive free upgrades domestically, and that also includes flights to Mexico. Of course, these are subject to availability but I’ve received numerous upgrades between Los Angeles and New York. For the price of an economy ticket, I often get a lie-flat business seat for that journey." — Valerie Joy Wilson, Solo Travel Expert ( @trustedtravelgirl )

British Airways Executive Club

"My favorite loyalty program is the British Airways Executive Club because I find the benefits to be amazing, especially as someone who is a British-American dual citizen. I live in New York and frequently travel to the United Kingdom. Plus, I don't have to spend a lot of money to earn top-tier status, because, with British Airways, I earn points toward status based on distance flown, not just the cost of the ticket. This makes it easier to achieve Oneworld Emerald status, which gives me a lot of great benefits, even on domestic economy flights on British Airways partner American Airlines. For example, I get exit row seats, three bags at 70 pounds each, and access to the exclusive Flagship First check-in area with American Airlines. Even better, I get to enter some of the best airport lounges in the world with this status, like the Qantas First Lounge at LAX, all complimentary." — Will Taylor, TV Host and Content Creator ( @brightbazaar )

Air Canada Aeroplan

Gary Hershorn/Getty Images

"I really like the Air Canada Aeroplan rewards program, because it offers so many benefits. Earning points is easy and redeeming them is incredibly flexible. I can accumulate points quickly by transferring credit card points from American Express Membership Rewards, Capital One Miles, Chase Ultimate Rewards points, and Bilt Rewards points at a one-to-one ratio to Aeroplan. Redeeming my Aeroplan points is also so flexible because they can be used for Star Alliance partner airlines, as well as non-alliance partners like Emirates, Etihad, Bamboo Airlines, and Oman Airlines. This opens up numerous options for finding award flights worldwide. The online search feature is quick, accurate, and user-friendly, making the process of redeeming points enjoyable. One of the best things about the Aeroplan program is that I can add a stopover for just an additional 5,000 points, and the stopovers are bookable online. This is perfect for me because I love exploring multiple destinations and maximizing my travel experience. Plus, transfer bonuses are occasionally available when transferring credit card points to Air Canada Aeroplan, which helps me earn even more points. Overall, I think Air Canada Aeroplan is an excellent rewards program that offers a wide range of benefits for its users." — Max Do, Loyalty and Rewards Expert ( @maxmilespoints )

Alaska Mileage Plan

Chad Slattery/Courtesy of Alaska Airlines

"As a videographer and owner of a media company that travels around the world, Alaska has been my loyalty program of choice for the last several years. I have held airline status on three different airlines, but never received anywhere near the same number of upgrades per flight taken as I do on Alaska. In the old days, airlines awarded you miles based on the distance flown (instead of the money spent), Alaska is one of the few that continues to do this, which benefits me when I fly on cheaper fares over longer distances. They partner with a unique group of airlines all over the world, which makes it easy to use their miles to travel globally for competitive rates. Plus, they have the best chocolate chip cookies." — Ian Agrimis, Founder of Capture Unlimited ( @agrimisadventures )

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How can i use membership rewards® points for travel.

Eligible Card Members can redeem Membership Rewards® points for travel in a variety of ways:

• Book your next travel adventure through American Express Travel® at amextravel.com . You can use points to cover all or part of your trip.*
• Transfer points to participating frequent flyer and hotel loyalty programs.
• Treat yourself or someone special to gift cards from 80+ restaurant, retail, and travel partners.
• You can also apply points toward eligible purchases you've already made on your Card.

Learn more about using points for travel . To explore other ways to use points, visit membershiprewards.com .

* You can use points to cover all or part of your trip, except for Insider Fares bookings. The entire airfare must be covered with points to be eligible for Insider Fares.

How to Book Flights With Reward Points: Step-by-Step Guide

R.J. Weiss, CFP®

• Updated December 20, 2023

One of the most significant challenges for newcomers to the world of points and miles is reserving their first flight.

In this guide, we’ll take you through the entire process, from understanding the basics of reward programs to creating a plan for accumulating points and miles.

By following our step-by-step instructions, you’ll be well on your way to becoming a savvy travel rewards pro and enjoying the perks of free or heavily discounted flights.

Table of Contents

Points and Miles: What They Are and How to Earn Them

Before diving into booking flights with points, let’s clarify what exactly points and miles are.

In the travel rewards space, “points” and “miles” are often used interchangeably. Points function as a currency, and can be redeemed for travel-related expenses like flights, hotels and rental cars. Using points, you can reduce or even eliminate out-of-pocket costs on many travel expenses.

Credit card points are generally earned using travel rewards credit cards, like the Chase Sapphire Reserve , which offers points for every dollar spent in addition to a welcome bonus. These points can be transferred to various airline partners or redeemed directly for travel expenses at a fixed value.

Airline mileage programs allow you to earn miles when flying with the airline or its partners. Additional earning opportunities include shopping, dining, or utilizing the airline’s co-branded credit card, such as Delta SkyMiles Gold American Express Card. 

For more information, see our comprehensive guide on earning points and miles . 

Two Options for Booking Flights With Points 

Earning points is great, but the real goal is to turn those points into free travel. 

This guide focuses on redeeming points for free flights. Flights are often regarded as one of the best uses of your points.

There are two main ways to use your points to book free flights: 

• By using fixed-value points , which have a consistent redemption value when redeemed for travel. For example, Capital One’s fixed-value points can be redeemed for travel expenses at a rate of 1 cent per point, which means that 50,000 points can be used to book a $500 flight.
• Through an airline’s mileage program . For instance, if you use United MileagePlus miles, you can book a one-way award flight to New Zealand for as low as 40,000 points.

When you hear about people booking first-class travel or other premium cabin flights, they’re probably not doing it with fixed-value points. Instead, they’re using points accumulated with (or transferred to) airline partners. 

We’ll cover how to do this in-depth in this article. 

However, what’s valuable to you is personal. Fixed-value rewards have their advantages, as they offer more flexibility and can help you achieve certain travel goals that might not be possible with points transferred or earned within an airline’s mileage program. 

Option #1: Booking Airfare with Fixed-Value Points

A challenge of using points through airline mileage programs is the limited availability of award seats. Airlines allocate a specific number of award seats, and during peak travel times, the available award space may be scarce or even non-existent. 

This can make it difficult or impossible to find award seats during popular travel periods.

Fixed-value rewards offer a valuable alternative as they let you book cash fares, using your rewards as a credit to cover the market price of the tickets.

Credit card companies’ travel portals allow you to search and book a wide range of flights available for sale, similar to sites like Kayak and Expedia. When you go to purchase your flight through a travel portal, you can then redeem your points towards a credit for your flight.

For example, in my Chase Ultimate Rewards account, I currently hold 35,743 Chase Ultimate Reward points. Since I have the Chase Sapphire Reserve credit card, if I were to use these points to book travel through the Chase travel portal, they hold a fixed value of 1.5 cents each.

In this case, I can apply these points as a $533.16 credit for a flight that costs $555.88, and only need to pay the remaining $19.72 for the ticket (as shown in the screenshot below).

Major credit card companies like Citi, Chase, Capital One and American Express all offer fixed-value point redemption options for travel purchases, although each works a bit differently.

Redemption rates — which represent the value of each point when redeemed — vary between these companies and their respective cards. 

Here’s an overview of their unique redemption rates and features:

As you can see, when booking with fixed-value points, you typically get a point value of between 0.6 and 1.54.

In other words, 10,000 points will get you between $100 and $154 in travel credits. 

So, there isn’t necessarily a lot of outsized value here, compared to any other cash-back credit card.

Nonetheless, it’s still helpful to understand that fixed-value rewards provide flexibility and simplicity in booking airfare and other travel-related expenses and come in handy when you’re having difficulty finding award space or just want to take a completely free vacation without dipping into your savings.

Option #2: Using Airline Loyalty Programs to Book Free Flights

To get the most value from your points, booking flights using points through an airline loyalty program is the best strategy. 

It’s common to redeem points for over 3 cents per point, particularly for business class tickets that may cost thousands of dollars. In this scenario, 10,000 points redeemed at 3 cents per point would equal $300 in value.

Major travel credit card issuers partner with airline loyalty programs, enabling you to transfer your points to the partner airlines’ loyalty programs. This flexibility adds to the value of these points. 

Each credit card issuer offers different transfer ratios to airlines, making some more beneficial than others. Marriott Bonvoy, while not a credit card issuer, is one of the few hotel loyalty programs that allows you to transfer to partners. 

Below is an overview of the major credit card issuers and loyalty programs, along with their transfer partners:

In addition to transfer partners, most airlines belong to alliances, which expands the number of airlines you can book award flights with. For instance, United Airlines is a Star Alliance member, which includes airlines such as Air Canada, Lifelmies, Lufthansa and Singapore Airlines. 

By transferring your points to United Airlines, you can potentially book award flights on any of these airlines, greatly increasing your options.

Note that I say “potentially” because award availability isn’t always the same across partner airlines and can be subject to restrictions or blackout dates.

Generally, there are two types of award space: saver and standard (sometimes called “everyday”).

Saver award space is often more limited and costs fewer miles, while standard or everyday awards are more expensive but have greater availability.

When booking an award flight with an alliance partner, such as using Avianca’s loyalty program LifeMiles to reserve a flight operated by United, you’ll typically find that only saver award space is available.

This means that if you see saver award space when searching for flights on United’s website, it’s likely that the same flight can be booked using LifeMiles or miles from another Star Alliance partner.

It’s important to note that Chase is the sole transfer partner of United. However, LifeMiles has multiple credit card transfer partners, providing you with more options for booking.

Additionally, the same flight may cost different points in different programs. For example, even though you might be flying with United, booking that flight through a partner like Lifemiles sometimes requires fewer points. 

Booking an Award Flight Step-by-Step

Concepts like transfer partners, alliances and point redemption value are a lot to try and make sense of when you’re a beginner. And it’s often at this stage where people give up. However, the best way to learn is through hands-on experience. 

Even after doing this for over a decade, I still pick up little tips and tricks every time I book a trip with rewards. So next, I’ll walk you through a step-by-step process to help you put what you’ve learned in this article into practice.

It’s here that most people find themselves in one of two situations: either they have points but are not sure how to maximize their value, or they don’t have points yet and are looking for the optimal strategy to earn points for free travel. 

If you’re in the first situation, use the principles in this process to explore available options based on the points you already have. An example is someone who has 40,000 points with Chase and is trying to figure out how to use them for travel. 

For those in the second situation, use the principles in this guide to help you choose a destination and devise a plan to earn the necessary points. While starting a bit behind here, you’ll have greater options because you’re not limited to a specific points program.

Step #1: Brainstorm Potential Destinations

While you may have specific travel plans in mind, such as visiting Maui from October 14th through October 21st, it’s best to remain flexible.

For example, consider visiting Maui sometime during the fall, exploring one of the Caribbean islands, or flying business class to a European destination of your choice.

Being open to various destinations and travel dates increases your chances of finding award availability.

The primary limitation in booking these types of award trips lies in how quickly you can get approved for the best travel credit cards and how fast you can earn the welcome bonus, which depends on your spending.

Here’s a very rough guideline when it comes to what you can do with the number of welcome bonuses you earn, so you can get a sense of what’s possible and what’s required:

In the example below, I’m going to have the general goal of visiting Maui sometime in the fall as a solo traveler. 

Step #2: Open Up Google Flights

Once you have a few destinations in mind, head over to Google Flights and start entering both your beginning and potential ending dates.

Here’s what you’re doing during this step:

• Reviewing potential routes . Understand which airlines operate flights between your desired destinations, as this can help you identify which transfer partners might be most useful.
• Comparing flight durations . Some routes may have shorter flights or better layover options. This may help narrow your focus further, or conversely, eliminate airlines that require multiple layovers to a destination.
• Identifying peak travel times . By exploring different travel dates, you can understand when the busiest times are for your desired destinations. Award availability is usually scarce during peak seasons, so awareness of these periods is useful.
• Exploring alternative airports . Sometimes, flying into or out of a nearby airport can provide better award availability or lower costs, which Google Flights often shows. A good tip here is just to enter a city (e.g., New York) instead of a specific airport (e.g., JFK) and Google Flights will show all nearby airports. 

Using our example of a trip to Maui, below is the price graph over time Google shows for flights from Chicago to Maui while filtering out excessive layovers. 

When looking at the cheapest flights during Fall, they’re coming in around $540 on both American and United. 

Southwest is the one major American airline that doesn’t list their prices on Google Flights. So if you know they fly that route (which you can check on their website), it’s worth checking prices from Southwest as well. 

Step #3: Checking Award Availability Directly with Airlines

After our visit to Google Flights, we now have some essential information:

• Estimated cash fares (e.g., $540 round-trip).
• The most affordable dates to fly to Maui.
• Airlines to begin our award availability search with.

The next step is to check for award availability directly with the airlines — in this case, United or American.

Many airlines require you to sign up for their loyalty program to search for flights using point redemptions. In this example, American Airlines allows searches without signing up, while United Airlines requires you to sign up for MileagePlus, their free loyalty program. 

To find award flight availability, return to the homepage of the respective airline and search for flights while displaying fares in miles instead of cash prices. This typically requires clicking a checkbox on the primary booking page. 

Upon entering our preferred flight destination, American Airlines is showing award availability in September, with round-trip tickets starting at 45,000 miles round trip plus $11.20 in fees. 

United flights are the same, costing 22,500 points one-way or 45,000 miles round-trip, along with $11.20 in fees. 

Pay close attention to the flight details during your search. Cheaper award redemptions often come with longer flight times or multiple stopovers. To ensure a fair comparison with the best cash fare you found, make sure you’re considering a flight that aligns with your preferences.

Step #4: Checking Award Availability With Members of Airline Alliances

Alliance members often price their award tickets differently, and it’s possible to find the same award ticket for less on one platform compared to another. 

For example, United is part of the Star Alliance, which has over 20 carriers. 

Fortunately, you don’t have to log into every one of those partners to find the best deal; there are now many free tools that allow you to search flights across all alliances .

While some tools use a freemium model, the free version is usually suitable for our objective.

Using one of these tools ( point.me ), I was able to see the following options for my desired flight:

With Miles and More (which is Lufthansa’s loyalty program), you can book a United award for as little as 15,000 miles round trip. They also brought up the option of booking with Southwest for 19,688 miles (which would require you to transfer over 20,000 Chase Ultimate Reward points).

In our case, that Southwest flight — for roughly 20,000 one-way and 40,000 round-trip — becomes the lowest-cost reasonable point fare. While Miles and More flights are cheaper, they’re running a minimum 18-hour flight time.

There’s also no major credit card issuer that allows you to transfer points to Lufthansa’s Miles & More program; there’s only a co-branded credit card. 

On the other hand, Southwest allows point transfers from Chase and has personal and business credit cards you can earn from.

Step #5: Compare Using Fixed-Value Rewards to Airline Miles

Our last step is to compare our:

• Best option using fixed-value rewards.
• Best option using an airline’s loyalty program.

The best redemption we found using fixed-value rewards was a $540 cash fare. The best value we found using airline miles was Southwest at 40,000 points round-trip.

When it comes to fixed-value rewards, the value of your points depends on the credit card you’re using. 

For instance, if you’re using the Chase Sapphire Preferred, a $540 flight costs fewer points than if you were using a card with a 1 cent per point redemption rate.

To better illustrate this, let’s examine the cost of the $540 flight using fixed-value redemption rates of 1 cent per point, 1.25 cents per point (offered by the Chase Sapphire Preferred), and 1.5 cents per point (offered by the Chase Sapphire Reserve ). 

Comparing these fixed-value redemption options to the Southwest award seat at 40,000 points round-trip, the Chase Sapphire Reserve is the only card where it would make sense to simply use fixed-value rewards. In other instances, you’d be better off transferring 40,000 points to Southwest to book the flight.

The goal then becomes working backward to determine the optimal way to earn the points for the trip of your choice.

You’ll want to consider factors such as the annual fees of the credit cards, current welcome bonuses, and how the bonus spending categories line up with your spending.

See our recommendations for the best travel credit cards for beginners and visit our partner CardRatings to see the latest welcome bonus, spend requirements, and more from each of the top cards. 

Options here could include :

• Signing up for a Southwest credit card, which often offers high sign-up bonuses and a low annual fee.
• Applying for a credit card with flexible points, like the Chase Sapphire Preferred or Reserve, which allow you to transfer points to Southwest.

How to Transfer Points from Credit Cards to an Airline Loyalty Program

When transferring points from credit card issuers to airlines, not all transfer partners are created equal. While these airlines have similar award costs for flights, earning points to redeem for them can be quite different. 

For example, earning American Airlines miles can be more challenging if you don’t fly often or use their co-branded credit card. Unfortunately, no major credit card issuer allows you to transfer points to American. Bilt Rewards does, but they don’t have any current sign-up bonuses. 

On the other hand, United and Southwest are transfer partners of Chase. This means you can earn points with Chase through sign-up bonuses and everyday spending, then transfer them to United or Southwest to book your flight. 

See the latest travel card recommendations and offers from CardRatings . 

The last thing I would do before transferring is to check the expected fees on the award booking. This is particularly important for international flights, where fees on certain airlines can sometimes reach thousands of dollars. 

These fees can include taxes, fuel surcharges, and other carrier-imposed fees that can significantly increase the cost of your “free” flight.

Some airlines will provide you with an estimate of the fees you’ll have to pay when you’re searching for an award booking. Others make it harder to find, especially if you don’t have the points in your account to make the award booking. 

A few last tips when transferring points :

• Always ensure that the award flight you want is available before transferring your points. 
• Check to see if there are any transfer bonuses available. Some credit card issuers may offer bonuses when transferring your points to certain airline partners, which can give you more value.
• Consider the transfer ratios. Different airlines have different transfer ratios, impacting how many points you need to transfer to get the desired award flight. In most cases, it’s 1:1, but there are exceptions. 
• Be aware of transfer times. Transfer times can vary by airline and take anywhere from an instant to a few days. Make sure to factor in the transfer time when planning your trip. A quick Google search should give you your answer quickly.
• Keep in mind that transferring points is often irreversible. Once you transfer your points to an airline partner, you can’t transfer them back to your credit card issuer. Ensure you’re committed to using your points for a specific award flight before transferring them. 

Booking Reward Flights FAQs

Travel rewards credit cards are the most popular method for accumulating points and miles . You can earn rewards through airlines’ co-branded credit cards or credit card issuers offering flexible rewards programs. See our top travel credit card options for beginners .

If you value simplicity and not being limited to travel-related redemptions, a 2% cash-back card can be a good option. Conversely, travel rewards credit cards often have much higher sign-up bonuses than 2% cash-back cards. So, by applying for multiple travel rewards credit cards with generous sign-up bonuses, you can accumulate more points. As a result, the overall potential earnings from travel rewards credit cards are greater than the benefits of using a 2% cash-back card.

You can often book flights for someone else using your reward points. However, each airline has its own policies, so review its guidelines before booking a flight for another person.

Booking award flights well in advance increases your chances of finding available award space. However, some airlines may also release additional award seats closer to departure. That’s why it’s a good idea to always be earning points, and ideally flexible points with programs like Chase, American Express, Citi and Capital One, as you never know when they’re likely to come in handy.

Most airlines charge fees for booking award flights, such as taxes, surcharges and/or booking fees. These fees can range anywhere from $5 to over a thousand dollars; the latter is sometimes the case on international flights. 

Maximize Your Award Travel Potential

Booking award travel may initially appear overwhelming, but it becomes a learnable skill with time and practice. As you gain experience, you’ll become more familiar with each program’s nuances and be able to make decisions faster.

What to read next : If you’re looking to level up your travel rewards game, check out our in-depth series on travel hacking where we cover everything from managing your credit with travel rewards credit cards to using similar techniques as you learned here to book free hotel stays .

You can also see examples of real trips I’ve booked over the years in my travel hacking case studies article.

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Save on Airbnb with Credit Card and Airline Rewards

Use points or miles to save on Airbnb and VRBO rentals. You can also rack up rewards to save on future travel.

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Traveling families and groups can generally save on Airbnb and VRBO rentals compared to hotels. And longer stays are often cheaper when booked at vacation rentals. However, if you’re a frequent traveler and you’ve racked up points or miles on travel rewards credit cards or through other loyalty programs, you typically won’t be able to use them to book a vacation rental. But you can harness Airbnb and VRBO co-branded loyalty programs to earn even more points, which you can use for airfare or other travel expenses.

Here’s a guide to earning and redeeming points or miles by booking an Airbnb or VRBO.  And not to get too existential, but are Airbnbs really cheaper than hotels? We have answers.

How to earn points or miles on an Airbnb stay

Two airline loyalty programs will allow you to earn points or miles for Airbnb stays . 

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• Earn Delta SkyMiles® : Book your Airbnb stay through a special portal provided by the SkyMiles program and enter your SkyMiles member number. Earn one mile for each dollar spent on your Airbnb rental, excluding taxes and fees. Each Delta SkyMile is worth about 1.2 cents, according to Bankrate . If you pay with a SkyMiles American Express Platinum Card , you can double the miles you earn and get a 15% discount on Delta flights (booked with the card). 
• Earn British Airways Avios points : Book your Airbnb stays or Airbnb Experiences through the British Airways Airbnb program website . Be sure to enable cookies and follow other directions on the site. You will earn two Avios for each Dollar, Euro or British Pound you spend. Each Avio is worth about 0.7 cents . Use a credit card with British Airways as a travel partner to maximize your rewards. For example, book using cards issued by Capital One and those that offer American Express Membership rewards, Bilt Rewards , Chase Ultimate Rewards and Marriott Bonvoy points . 

Earn rewards for a VRBO stay

VRBO , the vacation rental competitor to Airbnb, also has partnerships that can earn you rewards .

United MileagePlus : Book your VRBO property through the United/VRBO portal to earn three United MileagePlus miles for each dollar spent at VRBO. MileagePlus miles are each worth about 0.9 cents . Access the portal through the terms and conditions page of the program .

One Key Rewards : VRBO participates in the One Key Rewards program. When you sign up for the free program, you earn OneKeyCash when you book eligible travel on Expedia, Hotels.com, and Vrbo. One Key bookings earn 2% points back for each dollar spent. You can use these rewards on future bookings . If you book on Expedia.com, you may be able to use your travel card or enter your airline loyalty program to stack your rewards. 

Can you redeem rewards for an Airbnb or VRBO stay?

Some travel experts may recommend buying Airbnb gift cards with reward credit card redemptions, but that approach is complicated and rarely worth the trouble. Others may suggest cashing out miles or rewards to pay for Airbnb or VRBO rentals, but that's a waste of rewards that will likely get a better return when spent on travel. For example, if you have a lot of Chase Ultimate Rewards, you could cash them out for one cent per point to pay for an Airbnb rental, but depending on your card, you might get 1.25 or 1.5 cents for purchasing other travel on the card.

If your travel credit card has an annual travel credit, you may be able to get credit for your Airbnb or VRBO purchase. For example, the Chase Sapphire Reserve® card provides $300 in travel credits per year, allowing you to get reimbursed for up to $300 in Airbnb or VRBO expenses. Be sure to check with your credit card company that these vacation rentals will qualify for the travel credit, as terms change often.

Another way to make your Airbnb or VRBO stay count is to use a flat-rate cash back credit card ; at least you will earn 2% or 3% back on your stay.

Are Airbnb and VRBO rentals cheaper than hotel rooms?

It has been a given that vacation rentals like Airbnb would save money over a hotel room. That assumption, at least for one or two travelers, may now be wrong. A 2023 study by the U.K. consumer website, Which? , found that a hotel room is cheaper than a one-bedroom Airbnb or VRBO rental in 38 of 50 destinations. 

However, the study did not consider how much travelers could save by having a kitchen in a vacation rental. For those staying in expensive cities like London or Paris, eating in can save substantially over dining out. And many vacation rentals have washing machines and dryers. If you're in a hotel, you could pay a premium to have a laundry service wash your clothes. Or you might have to trek to a laundromat  — the last thing anyone wants to do on their vacation.

The study also failed to compare the cost of large vacation rentals to the corresponding number of hotel rooms. Families often opt for vacation rentals because they tend to get a better deal than on multiple hotel rooms.

However, the outlook for Airbnb and VRBO properties is in flux, especially in large cities.

Given the tight housing market and lack of affordable housing in the U.S. and abroad, several cities are trying to reduce the number of vacation rentals, which could raise prices in the long term. 

For example, New York City implemented strict short-term rental rules last September, saying that the 10,000 such units diminished the city's supply of rental housing. By the end of September, the city had approved just over 400 applications from landlords seeking to register their apartments legally as Airbnb or VRBO properties, according to Gothamist . 

Other locations are changing development laws to discourage Airbnb or VRBO. The city of Providence, RI has approved a new housing development with the caveat that the apartments can never be used for vacation rentals .  

Vacation rentals have also piled on the fees in recent years. Those fees for cleaning a property after you leave or for extra guests can add up. And starting on April 1, Airbnb is adding a 2% cross-currency fee . This fee applies to guests who book rentals in a different currency than that of the host country. 

To Airbnb or not to Airbnb?

If you are traveling as a large family or group, Airbnb or VRBO may still be your cheapest bet in some locations, especially if you plan on doing your own cooking and laundry. But with current market conditions and fees, it makes sense to compare the price of a vacation rental with a hotel. 

• 5 Ways to Save Money on Vacation Rental Properties
• New Airbnb Camera Ban, 2% Cross-Currency Fee Coming Soon
• Would You Buy Airbnb's New 'Rooms' Option? Why I'll Still Be in a Hotel
• 5 Great Places to Buy a Vacation Home

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America. 

The impact of saving more, spending less later and benefiting from an extra year or more of compounding can be truly staggering.

By Andrew Rosen, CFP®, CEP Published 14 April 24

You may want to splurge, but using your tax refund to save for the future or pay down debt is a much better idea — even if not as fun.

By Kathryn Pomroy Published 14 April 24

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How do I redeem travel rewards in BILL Spend & Expense?

Learn how to view your available rewards, book travel through travelperk, and submit a redemption in spend & expense. feb 9, 2024 • knowledge, article detail.

As an admin, you can use your rewards points to receive a reimbursement for travel expenses, such as flights and hotels. You can receive reimbursement for travel booked through our partner TravelPerk or through any other travel provider. This article describes how to check your available rewards balance, access TravelPerk, and redeem your rewards in Spend & Expense. If you have set up the Spend & Expense integration with your TravelPerk account and use your BILL Divvy Corporate Card to book travel through TravelPerk, your receipts automatically upload to Spend & Expense.

Travel Redemption Calculation

Your total eligible travel spend that can be reimbursed equals the sum of your TravelPerk expenses plus the sum of your non-TravelPerk travel expenses, minus what you have previously redeemed in travel rewards. This total amount is capped at 1% of your total rewards points. The following example displays the eligible travel spend calculation for an account with $1,000,000 in TravelPerk expenses, $1,000,000 in other travel expenses, $500,000 in previous redemptions, and 300,000 rewards points. (1M TravelPerk + 1M other travel) – $500k redemptions = $1.5M in available spend to redeem (capped at $3,000 or 1% of 300,000 rewards points)

You can only redeem points if you have earned at least 5,000 points.

To be eligible to redeem rewards, you must be an active customer for at least 12 months.

To retain your earned rewards in a given month, you must spend at least 30% of your credit line for that month.

You cannot edit your travel rewards redemption after it has been submitted.

View Rewards Balance in Spend & Expense

Before booking or redeeming your travel rewards, you may want to first view the dollar value of the rewards you are able to redeem. You can view your rewards balance from a web browser or the Spend & Expense mobile app.

From a web browser, click the Company link and select the Rewards option. From the Rewards page, click the Redeem button.

If you are using the Spend & Expense mobile app, click the More icon. Then tap the Rewards link.

The dollar amount you can redeem is displayed in the Travel section when viewing redemption options from Spend & Expense on a web browser or the mobile app. This is the total amount you can receive a reimbursement for after you book your travel.

Book Travel in TravelPerk

This step describes how to book travel through TravelPerk. If you paid for travel with another method, skip to the next section.

• In a separate web browser, open TravelPerk .
• To sign in to your TravelPerk account, click the Sign In button. To create a new account, click the Sign up free button. The integration with TravelPerk is available on Premium/Pro subscription plans only. Reach out to your Customer Success Manager for more information.
• Use your BILL Divvy Corporate Card to book flights, hotels, or other travel expenses in TravelPerk. Your receipts from this transaction display in Spend & Expense automatically.

Redeem Reimbursement in Spend & Expense

Return to Spend & Expense in the web browser or mobile app.

From the Rewards Redemption page, select the Travel option.

Web Browser

In the Available to Redeem section, you can view the point and dollar amount that you can redeem for TravelPerk transactions and other travel transactions.

In the Amount to Redeem section, enter the dollar amount that you want to redeem and receive as a reimbursement.

In the Fulfillment Method section, select how you want to receive the reimbursement. You can have the amount sent to your bank account via ACH, receive a Spend & Expense statement credit, or receive a mailed check to your company's address.

Click the Redeem button.

Confirm all the details of your reward redemption.

Note: You cannot edit your travel rewards redemption after it has been submitted.

You should receive your reward redemption within 5-7 business days.

In the Available section, you can view the point and dollar amount that you can redeem for TravelPerk transactions and other travel transactions.

Tap the Amount to Redeem section to enter the dollar amount that you want to redeem and receive as a reimbursement.

Tap the Fulfillment Method section to select how you want to receive the reimbursement. You can have the amount sent to your bank account via ACH, receive a Spend & Expense statement credit, or receive a mailed check to your company's address.

Tap the Redeem button.

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14 best travel credit cards of April 2024

The best travel credit cards offer an array of premium perks and benefits. For both occasional travelers and frequent flyers, adding a travel credit card to your wallet is a great way to earn rewards and save money on every trip you take. At The Points Guy, our team has done the legwork and curated a selection of the best travel credit cards for any globe-trotter, whether you prefer to backpack through mountains or settle into a luxury villa for some relaxation. From generous travel credits to premium lounge access, we’ve chosen the cards packed with the best benefits to elevate your next travel experience.

Check out our list below and discover which travel credit card from our partners makes the best addition to your wallet for all of your adventures.

• The Platinum Card® from American Express : Best for lounge access
• Capital One Venture Rewards Credit Card : Best for earning miles
• Chase Sapphire Preferred® Card : Best for beginner travelers
• Capital One Venture X Rewards Credit Card : Best for premium travel
• American Express® Gold Card : Best for dining at restaurants
• Ink Business Preferred® Credit Card : Best for maximizing business purchases
• Alaska Airlines Visa® credit card : Best for Alaska Airlines miles
• Capital One VentureOne Rewards Credit Card : Best for no annual fee
• The Business Platinum Card® from American Express : Best for business travel
• Citi Premier® Card : Best for starter travel
• Chase Sapphire Reserve® : Best for travel credits
• Wells Fargo Autograph℠ Card : Best for variety of bonus categories
• American Express® Business Gold Card : Best for flexible rewards earning
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, credit pointers with brian kelly, how to maximize travel credit cards, how we rate cards, what is a travel credit card, how to choose the best travel credit card, ask our experts, frequently asked questions.

• Airport Lounge Access
• Global Entry
• No Foreign Fee
• Best Overall
• Find your CardMatch™

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
• The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
• 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.

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card .

• This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, worth $1,388 based on TPG valuations and not provided by the issuer.
• You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
• Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• A couple of partners' transfer ratios are mediocre at a less than 1:1 ratio.
• Capital One airline partners do not include any large U.S. airlines.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
• Annual $50 Chase Travel Hotel Credit
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
• The card comes with a $95 annual fee.
• 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

Capital One Venture X Rewards Credit Card

If you can maximize the  $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees ). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations ) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full  review of the Capital One Venture X Rewards Credit Card .

• 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
• 10,000 bonus miles every account anniversary
• $395 annual fee
• $300 credit annually, only applicable for bookings made through Capital One Travel portal
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com ,  Milk Bar, and select Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold .

• 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
• 3 points per dollar on flights booked directly with the airline or with Amex Travel.
• Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening.
• Weak on travel and everyday spending bonus categories.
• Not as effective for those living outside the U.S.
• Some may have trouble using Uber/food credits.
• Few travel perks and protections.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• See Rates & Fees

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• 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.

Alaska Airlines Visa® credit card

There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our  full review of the Alaska Airline credit card.

• Free checked bag for you and up to six guests on your reservation.
• Alaska discounts, including 20% back on in-flight purchases.
• No foreign transaction fees.
• $95 annual fee.
• Limited Time Online Offer – 70,000 Bonus Miles!
• Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don't expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card - Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska's Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the  Capital One VentureOne Rewards Credit Card .

• No annual fee.
• Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
• Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
• Earn 1.25 miles per dollar on all purchases.
• Other credit cards can offer you higher rewards for your common purchase categories.
• Capital One airline transfer partners do not include any large U.S. airlines.
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full  review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• Difficulty meeting $15,000 minimum spend for smaller businesses.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.

Citi Premier® Card

The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. Since the card earns the same number of points at gas stations, restaurants, supermarkets, airlines and hotels, it’s a great pick for beginner travel cardholders who want a simplified point system. Read our  full review of the Citi Premier .

• For a limited time earn 10 points per $1 dollar spent on hotels, car rentals, attractions (excluding air travel) when book through Citi Travel portal through June 30, 2024
• Earns 3 points per dollar on restaurants, supermarkets, gas stations, air travel and other hotels.
• $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
• $95 annual fee
• Lacks travel protections that other travel rewards cards come with
• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve card .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access to Chase Ultimate Rewards hotel and airline travel partners.
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee.
• May not make sense for people that don't travel frequently.
• 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

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our  full review of the Wells Fargo Autograph here .

• This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
• Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
• 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.

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full  review of the American Express Business Gold Card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our  full review of the Bank of America Travel Rewards  card.

• 1.5 points per dollar on all purchases
• No annual fee
• No foreign transaction fees
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
• No travel and purchase protections.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Amex Platinum is a stellar premium travel card that can provide amazing redemptions . Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.

Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access , automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred , Hertz Gold Plus Rewards and National Car Rental Emerald Club . Enrollment is required for select benefits.

“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card  can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.

With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.

Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners , including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.

“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card  (see  rates and fees ). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.

You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations ) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.

We’ve long suggested the Chase Sapphire Preferred Card   as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points  with strong bonus categories and a reasonable annual fee.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

To add more luxury to your travel experience, consider the Chase Sapphire Reserve® . Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.

At $395 per year (see rates and fees ), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide  and able to bring up to two guests for no additional charge.

For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.

“With an annual fee that is $300 less than The Platinum Card® from American Express (see Amex Platinum rates and fees ), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees ). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations ) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen , former points and miles reporter

Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card , which has a $95 annual fee (see rates and fees ), identical sign-up bonus and similar earning and redemption options.

The Amex Gold earns 4 points per dollar on dining at restaurants, with no foreign transaction fees (see rates and fees ), meaning you’ll get an 8% return on purchases (based on TPG’s valuations ). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards .

Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.

“Groceries and dining at restaurants are two of my top spending categories, and I love that the Amex Gold rewards those purchases with 4 points per dollar. When you factor in the $10 dining credit and $10 in Uber Cash each month, the $250 annual fee is a net cost of $10.” — Senitra Horbrook , former credit cards editor

For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred® Card .

The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations  peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories.

If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card .

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited® Credit Card , which offers 1.5% cash back on all purchases and carries no annual fee.

The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.

Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.

“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith , former credit cards writer

If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred® Card might be a better option.

The no-annual-fee Capital One VentureOne Rewards Credit Card (see  rates and fees ) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees ).

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees ). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith , former credit cards writer

For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card . You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.

There are certain ways to earn bonus points for spending on the Amex Business Platinum Card, but it’s the array of perks on the card that make it a great option. Beyond airport lounge access and automatic hotel elite status, there are a number of statement credits that are specifically targeted to common business expenses.

If you travel for business frequently, this card could help you upgrade your experience in the air and on the ground while saving you money on select business-related services. And the current welcome bonus is just the icing on the cake.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that’s even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell (enrollment required), I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

For less-frequent travelers, consider the American Express®  Business Gold Card , which offers 4 points per dollar spent on your top two spending categories each month on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter).

The Citi Premier is a great all-around card that earns 3 points per dollar on multiple categories. Citi ThankYou points can be redeemed as statement credits or transferred to any of Citi’s partners.

Travel credit card users who are getting into the transferable point world but do not want to commit to a high annual fee should consider the Citi Premier card.

“Out of all of my credit cards, the Citi Premier Card is often my everyday card and a card I typically recommend to friends and family. Earning 3 points per dollar for gas, groceries and restaurants allows you to rack up points even when you're not on the road. Being able to transfer Citi ThankYou points to valuable partners like Turkish Airlines Miles&Smiles and Avianca LifeMiles is also a key reason this card stands out, all while having a modest annual fee of $95.” — Danyal Ahmed , credit cards writer

If you’re looking for a similar card but prefer Chase, the Chase Sapphire Preferred® Card could be a great alternative. The card offers multiple bonus categories, travel and shopping protection and a fair annual fee of $95.

The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit  once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.

Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal  is also a nice perk.

“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred® Card  instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.

The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.

Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.

If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.

If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Citi Premier® Card (see rates and fees ), which offers 3 points per dollar on various travel and food categories. In addition, you can transfer ThankYou Rewards points to any of Citi’s travel partners.

The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.

The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.

The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.

If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees ), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card . You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.

It’s perfect for low-budget beginner travelers  who want a card with no annual fee and a simple way to earn and redeem points.

“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith , former credit cards writer

If you’re interested in a card with transferable miles that still has no annual fee (see  rates and fees ), consider the Capital One VentureOne Rewards Credit Card .

Earn the welcome bonus

One of the best ways to maximize your travel credit cards is to earn the welcome bonus . Most travel credit cards will offer a welcome or sign-up bonus that allows cardmembers to earn points or miles that would otherwise require a very high spend. Welcome bonuses are a crucial part of a card’s value, so before you apply for your next travel card, be sure to plan for how you will meet the spending requirement. Ideally, you would align large purchases with your card opening so that you don’t need to spend frivolously to earn that lucrative welcome bonus.

Use a travel card that matches your travel style

There is a travel credit card for everyone, but not every travel card is the best fit for your wallet . Consider what type of traveler you are, whether you have any brand loyalty and what perks you are looking for from your next credit card. If you travel often and in luxury, consider premium cards like The Platinum Card® from American Express or Chase Sapphire Reserve® . These cards are loaded with tons of luxury perks like lounge access and automatic elite status . 

Alternatively, if you’re a more thrifty traveler who likes to maximize your travel earnings, consider a mid-tier travel card like the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card . These cards allow you to earn points on your travel, and while they don’t come with a long list of luxury perks, they’re much more cost effective for an everyday traveler.

And even beginners don’t have to veer away from travel cards, since many products out there offer an introduction to the travel rewards world without incurring an annual fee.

Knowing what your travel style is like will help you determine what type of travel card you need.

Use loyalty programs to stack your rewards

You don’t have to limit your earnings to just travel credit cards . Many airlines and hotel chains have loyalty programs that can be used in conjunction with your travel card to unlock added perks when doing business with a specific brand. In addition, many travel credit cards allow you to transfer points from your card to your eligible loyalty programs . This can open up nearly endless redemption options.

Travel rewards credit cards earn points, miles or cash back that are redeemable for travel expenses or are geared toward travel spending. The cards on this list are some of the best credit cards to book flights , hotels and more with their many perks and rewards . 

Travel credit cards offer rewards on different purchases that can help you book flights, hotels and more for little to no out-of-pocket expenses. Some cards also provide valuable perks and benefits that upgrade the overall travel experience — from Global Entry application fee credits to lounge access to complimentary elite status . If you have the right card (or cards) in your wallet, the sky is the limit on where your travels can take you — literally.

Are you new to travel rewards? Check out our beginner’s guide to all things points and miles . You’ll learn about top loyalty programs, how to maximize your credit card strategy to reach your travel goals and so much more.

Related: The complete history of credit cards, from antiquity to today

We have researched various types of travel credit cards to help you figure out which one is best for you.

Travel vs cash back credit cards

A travel credit card is a card that is geared toward travel spending and a cash-back credit card is a card that earns cash back on purchases made with the card.

Generally, when we are talking about travel credit cards we refer to cards that earn points and miles like the Platinum Card from American Express or the Hilton Honors Aspire card. The Platinum Amex earns transferable points which can be used with any of Amex's travel partners while the Hilton Honors Aspire card only earns Hilton points which can be redeemed at Hilton properties. These cards do not earn cash back on any purchases.

Cash back cards generally offer cash back as a flat rate or feature bonus categories that earn an elevated cash back rate. Select cash-back cards can also be a great travel card such as the Blue Cash Preferred Card from American Express which offers 3% cash back on transit including rideshare, trains, buses, and more. Even though it is a cash-back card, the Blue Cash Preferred offers an elevated return on select transportation which potentially makes it a solid travel card option.

How do travel credit cards work?

Travel credit cards work like other reward credit cards: They help you earn rewards, primarily points and miles, on your purchases. This section will primarily focus on transferable rewards credit cards, like the Chase Sapphire Reserve and The Platinum Card® from American Express, as they are what are typically considered travel credit cards.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn transferable points

Transferable points credit cards earn points or miles when you make a purchase on the cards. These points and miles can then be transferred to travel partners for rewards like flights, hotel stays and more. Different cards will have different currencies, but they are generally called either “points” or “miles” (depending on the issuer). All transferable reward credit cards, airline credit cards and hotel credit cards will have their own currency that is redeemable for travel rewards. 

Travel cards have varying rates for different purchase categories. For example, the American Express® Gold Card card earns 4 points per dollar spent on restaurants but only 3 points per dollar spent on flights booked directly with the airline or Amex Travel. While the Amex Platinum may be a better card for travel as it earns 5 points per dollar spent on flights (booked directly with airline or Amex Travel and up to $500,000 per calendar year), the Amex Gold can be a good addition for Platinum holders who spend a lot of money on dining out.

Related: How to redeem American Express Membership Rewards for maximum value

How to redeem points and miles  

Once you’ve decided on a travel credit card and earned a welcome bonus, it’s time to put those points or miles toward free travel. There are many ways to redeem your rewards with travel credit cards. Many cards feature an online booking portal through which you can use your rewards to book things like flights, hotels and car rentals. Before booking your flight, you should consider doing a  flight portal comparison to ensure you're getting the best redemption. Others allow you to transfer your points or miles to individual loyalty programs. Depending on the redemption, this could unlock even more value.

Related: Tips and tricks to get maximum value from your Capital One miles

It’s up to you to decide whether a specific trip is worth spending your rewards. You can use TPG’s monthly valuations to help you determine if the price of your flight or hotel room is worth your points and miles. Some travels are more affordable in cash, but you can always save your points to splurge on a business-class flight to Europe or an overwater bungalow at a luxury resort. 

How to use travel credit card portals  

In the world of travel credit cards, the four major players are American Express, Capital One, Chase and Citi. These issuers also have their own travel portals which can be used to earn and redeem points for travel. 

Some issuers, like Capital One and Chase , offer an incentive to book travel through the bank’s portal but it is not always worth booking through a portal. 

We do not recommend booking hotel travel through card portals as it typically does not honor elite-status benefits or elite-qualifying stay credits. 

Luckily, flights typically allow you to earn bonus points through a card issuer’s portal and with the airline. Keep in mind that this does not apply to all cards. When purchasing in cash, there generally is little variance in booking through a portal or on the airline’s website so if your travel credit card offers incentives to book through the portal , it can be a great way to earn extra points. 

Related: Ultimate guide to the Citi travel portal

Points and miles redemptions will have a fair variance, especially if there are incentives to book through the travel portals. Overall, travel portals can be a great addition to your points redemption journey if properly used. Always remember to compare the price or redemption value of booking through a portal or directly with an airline. 

Booking through a portal may make matters complicated if you ever need to change or cancel your flight. 

Related: Battle of the credit card travel portals: Which is the best for booking flights?

Types of travel credit cards

Travel credit cards are cards that are geared towards travel spending. Luckily, there are many types of travel credit cards which means there is a good option for any traveler. Typically, when talking about travel credit cards, we are referring to transfer rewards credit cards, airline credit cards and hotel credit cards. There are additional types of travel credit cards that are less popular but can still be a good option for the right traveler.

Transferable rewards credit cards earn points and miles that can be redeemed through a card’s rewards program directly or by transferring them to a travel partner . Many of our best travel credit cards fall under this category because they are the most valuable type of points you can earn. Transferable rewards give you the flexibility to redeem your rewards in a way that will be most beneficial to you. Examples of top transferable rewards cards are the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline. For example, an airline card may offer free checked bags , a certain number of elite-qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more.

Hotel cobranded cards work like airline cards. You’ll earn rewards that are redeemable for a particular hotel program, such as Hilton or Marriott. Hotel cards come with their own benefits, such as complimentary elite status or free award-night stays. In addition, hotel cards can help you stack your earnings on hotel stays with the hotel’s program.

For example, if you have a Marriott credit card , you’ll earn bonus points for every dollar spent at participating Marriott properties on top of the 10 base points you get as a member of the Bonvoy program. This can really amplify the rewards you can earn when you use your hotel card to pay for your booking.

The points and miles world can be confusing for new credit card users but it doesn’t have to be. While transferable rewards cards are arguably the best way to earn points and miles for travel, they can also be incredibly confusing. Fixed-value credit cards and cash-back credit cards are good alternatives for beginners who are looking to get into the travel credit card world.

Fixed-value cards earn points or miles that are always redeemed for the same value. For example, the Bank of America® Premium Rewards® credit card earns points worth 1 cent each. These cards are great for beginners who haven’t quite gotten the hang of maximizing transferable points or casual travelers who are looking for their first travel credit card . Fixed-value credit cards are often the best travel credit cards for beginners. 

As more hotels and airlines move to a dynamic pricing model where award pricing shifts dramatically, fixed-value rewards programs are becoming more popular.

Another great credit card option for casual travelers or credit card beginners is cash-back credit cards. You don’t have to worry about points, transfer partners or maximizing your rewards with these cards. Cash-back cards provide a percentage of cash back on your spending and provide a simple way to save on your upcoming travels. 

The Capital One Quicksilver Cash Rewards Credit Card (see rates and fees ) is a great option for beginners to travel rewards. It earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and has no annual fee.

Travel credit card benefits

Some travel cards offer automatic elite status with various programs when you sign up and can also accelerate the journey to elite airline status by converting points to air miles. If you are loyal to a particular hotel brand, status with that brand will be valuable. You’ll be entitled to room upgrades, resort credits, early check-in, late checkout and more. If you’re not loyal, it won’t. The same goes for elite status with an airline — you’ll get lounge access, upgrades, increased baggage allowance, etc. When comparing the perks of various cards like elite status, be realistic about which ones you will and won’t use.

One of the coveted perks of premium travel credit cards is complimentary airport lounge access. Many premium travel credit cards come with Priority Pass lounge access , a membership that allows access to airport lounges across the world. These lounges are a great place to relax before your flight or have a snack during a long layover. Amenities will vary between lounges but most lounges provide wifi, private seating and refreshments. Be sure to check the priority pass guest policy as many lounges allow you to bring a complimentary guest (or guests).

TSA PreCheck and Global Entry are both expedited screening programs for travelers. TSA PreCheck is reserved for expedited security screening for domestic flights and Global Entry provides expedited customs screening for international travelers when entering the United States. 

The application fee for TSA PreCheck is up to $85 and $100 for Global Entry. If you are approved for the program, the membership is valid for 5 years. Many travel credit cards will offer statement credit for the application . 

• 1 Sign-up bonus Choosing a card with a healthy sign-up bonus will help jumpstart the possibility of unlocking elite status across different areas, including airline and hotel loyalty programs.
• 2 Annual fee Premium travel credit cards typically feature higher annual fees. Double-check that the card you choose suits your spending habits and travel needs before applying.
• 3 Bonus categories It also helps to check which bonus categories a card offers to ensure that they align with your spending, whether it’s at restaurants, at grocery stores or on streaming subscriptions.

What's your favorite travel credit card — and why?

Generally speaking, you need at least a very good credit score in order to get many popular travel credit cards. According to FICO, the scoring model used by most lenders, this is a score of at least 740. However, there’s no hard-and-fast rule, as each individual credit card issuer looks at a variety of factors in addition to your credit score when deciding whether to approve or decline your application.

Thankfully, there are a number of ways to check your credit score for free , so you can get an idea of where you stand before wasting an application (and a hard inquiry on your credit report) for a card for which you’re unlikely to qualify.

Points and miles are simply two different ways to describe the same thing: the rewards you earn on a credit card. As an example, many popular Capital One credit cards earn miles, whereas cards that participate in Chase Ultimate Rewards accrue points. There’s no appreciable difference between the two words.

This gets a little more complicated when you begin discussing cash-back credit cards. Some of these show earnings with a dollar amount, while others show cash-back rewards in points. However, here too there’s no significant difference. It’s simply how the card issuer chooses to describe the rewards you’re earning.

It depends entirely on your typical travel habits. Many popular travel credit cards feature rewards, benefits and redemption options that only come into play when you’re actually on the road. This includes perks like airport lounge access or statement credits for certain travel purchases. Ultimately, you should look at how much value you expect to get out of a given travel card in one year. Then, compare that to the card’s annual fee to make sure you’re getting at least that much value.

It depends. Generally speaking, you should aim to use your rewards from travel credit cards for travel-related purchases – like flights or hotel rooms. However, everyone has a different version of what “value” looks like here. Some travelers are perfectly content redeeming 25,000 miles for a $250 economy flight. Others would rather save up and use 100,000 miles for a $5,000 business-class ticket. The important thing is to avoid redemptions like gift cards or merchandise, since those typically offer poor value for your points and miles.

Ultimately, it’s up to you to determine whether you want to keep cash in your pocket by using rewards for a particular purchase instead.

Many of the luxury travel cards on this list offer hundreds of dollars in annual travel statement credits. However, not all annual travel statements are created equal. While some cards feature easy redemptions, other cards feature redemptions that come with more restrictions. 

Out of the various cards that offer annual travel credits, the Chase Sapphire Reserve has the easiest redemption process for travel credits . The Chase Sapphire Reserve's travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more. Additionally, the travel does not have to be booked through Chase’s travel portal, and the statement credit will automatically post when you make an eligible purchase. 

Travel rewards: The biggest untapped opportunity in bank loyalty?

Dave Cauldwell , Business Development Director, EMEA, Valuedynamx shares his views on the potential of offering travel reward programs to consumers and how they can revolutionize the way consumers interact with financial institutions.  

This plays out in the numbers. Travel is a huge industry, with a global market value of $854billion USD that’s expected to rise to $1,016 billion USD by 2027. 

Even amid a cost of living crisis – with inflation rising and economic uncertainty looming – consumers aren’t cutting back on travel. In fact, 2023 will see this trend continue upwards, with nearly a third (31%) of consumers saying they’ll spend more on international travel this year than in 2022, despite increasing economic concerns. 

Loyalty application for banks and card networks 

With travel-related purchases typically accounting for 20%+ of online spend , there’s a huge opportunity for banks and card networks to tap into this burgeoning market and win the race to capture travel spend. 

To secure a bigger slice of the market, many banks are investing in loyalty propositions – reward programs that incentivize customers to plan, book, and manage their travel using a bank’s card as their primary means of payment.  

The best bank loyalty propositions go one step further, using rich transactional and intent data to further personalize marketing and reward-related communications to enrich a customer’s loyalty experience across the full booking journey in 4 key areas: 

• 1. Pre-trip inspiration: Inspire your customers’ wanderlust with tailored options for maximizing their rewards when booking. With travel partners often offering upwards of 10% back on each purchase in the form of rewards and cashback, banks can realize big margins from up-selling accommodation and activities. Put in simple terms – if your customers spend $2,000 on annual travel plans – you could be generating $200+ of value to share with them in the form of rewards.    
• 2. Capture the booking: Provide options for customers to book their travel itinerary directly through your loyalty portal using their payment card. Customers can be both earning and redeeming their rewards to pay for their holiday in full or part-payment: from flights to hotels, and car rental to excursions. Also, with almost 7 in 10 (69%) consumers actively seeking more sustainable travel options , make sure to combine bookings with green and clean initiatives – such as carbon offsetting. 
• 3. On-trip peace of mind and more rewards: Make the airport experience stress-free by incorporating additional benefits into your loyalty offering, such as premium lounge access, flight delay cover, or the option to skip security lines. Other peace-of-mind perks can include comprehensive and trusted travel insurance or unique offers once customers reach their destination. 
• 4. Post-trip reminders: Don’t forget to check in with your customers once their trip has ended, which also serves as a reminder of the value they received from their travel booking. This is also a good time to collect feedback and start developing more personalized offers for future bookings. 

How Collinson Valuedynamx can help 

We know travel loyalty. In the last 12 months we have captured and rewarded over $200 million USD in travel spend.  

The best loyalty programs place the customer at the heart of their offering, and we possess a suite of travel loyalty solutions tailored exclusively for the financial services sector. 

Our propositions are fully-configurable to help you capture travel spend, create card primacy, and generate long-term customer value in the following ways:  

• 1. Travel booking: We offer white label propositions for your customers to book their travel.   

- Earn rewards: Book online and get rewarded with the biggest names in travel, including Booking.com, Expedia, Agoda, and Hilton.

- Spend rewards: Book with 120+ airlines, 700,000+ hotels, 150+ car rental countries, and 10,000+ experiences in full or part-payment using rewards.

- Sustainable travel: Explore options to spend rewards on carbon offsetting, flight emissions, and everyday activities.

• 2. Cross-border offers: Inbound travel payment card linked reward proposition.   
• - Earn: Give your customers access to experiences they’ll remember forever. Consumers can dine out, take in a show, and shop at department stores using your payment card with hundreds of relevant offers when they arrive at their destination – ensuring you’re front of wallet at home and abroad. 
• 3. Travel benefits    
• - Stress-free travel : Make your customers’ lives easier and inject some premium into your offering by providing luxury lounge access, extensive travel insurance, and flight delay cover. 
• 4.  Personalized marketing capabilities    
• - Hosting or API: Meet your customers on the channels and platforms that matter most by hosting mobile-optimized sites or API solutions. 
• - Offer Recommenders: Receive AI-generated, next-best actions and calibrated sort orders to maximize conversions. 
• - Marketing distribution: Scale your product and reach new audiences with triggered lifecycle communications and tactical campaigns. 

Interested in finding out more about how rewards propositions can elevate your brand and boost long-term loyalty:

Related news & insights

3 reasons for Financial Institutions to get cut-through with customer engagement programs

Make every purchase rewarding using Pay with Points

How reward programs can be the differentiator during an economic crunch

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Earn Skywards Miles

Book with United Airlines and enter your Emirates Skywards membership number to earn up to 1.5 Skywards Miles per mile flown. The number of Skywards Miles you’ll earn depends on your class of travel, fare type and distance flown.

Spend Skywards Miles

Spend Skywards Miles on United Airlines flights across their network starting at 8,000 Miles. 

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The Capital One SavorOne Cash Rewards Credit Card is a great option for foodies and entertainment lovers who want unlimited cash back on dining and entertainment purchases with no annual fee. 

While the SavorOne offers excellent rewards on dining, entertainment, and at grocery stores, its limitations make it less appealing if you’re looking for premium perks or a large welcome bonus. 

But for those seeking a straightforward, no-annual-fee cash back card that rewards social spending, the SavorOne is hard to beat. Let's take a closer look.

Key takeaway

With lavish cash back rewards for dining, entertainment, and at grocery stores — plus a $0 annual fee — the Capital One SavorOne Cash Rewards Credit Card is a top credit card for everyday spending.

• Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target)
• 1% cash back on all other purchases
• No annual fee
• Introductory 0% APR offer
• No foreign transaction fees
• Cash back rewards never expire as long as the account remains open and in good standing
• Flexibility to redeem rewards at any time and in any amount
• Complimentary concierge service, extended warranty protection, travel accident insurance, and 24-hour travel assistance services
• 3% grocery store cash back does not include purchases at superstores like Walmart or Target, or wholesale clubs
• 1% cash back on non-bonus categories is lower than other cards
• Not the best choice for those seeking premium travel perks or luxury benefits
• May not provide the most value for those who don't spend significantly on dining, entertainment, and groceries each month
• Lacks some benefits found on other cards, such as cell phone protection
• 3% balance transfer fee

Capital One SavorOne Rewards

Unlimited cash back on dining, entertainment, streaming, and at grocery stores.

The main draw of the Capital One SavorOne Cash Rewards is its high cash back rate in popular everyday categories. You can earn an unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores. 

This is one of the best reward rates for these bonus categories, especially for a no annual fee card. 

"Dining" broadly includes purchases at restaurants, cafes, bars, lounges, fast-food chains, and bakeries. "Entertainment" includes purchases like movies, plays, concerts, sporting events, tourist attractions, and more. 

Earning bonus rewards across various purchases is valuable for those who spend significantly in these categories.

Earning 3% cash back at grocery stores is another valuable benefit, though it's important to note that this does not include purchases at superstores like Walmart or Target. Still, if you do the bulk of your grocery shopping at supermarkets, this is a great way to boost your cash back .

Elevated cash back on Capital One Entertainment and Uber

The SavorOne card also rewards certain types of purchases very handsomely. This includes Uber and Uber Eats purchases and spending through Capital One Entertainment or Capital One Travel. 

If you book car rentals or hotels through Capital One Travel, you’ll earn 5% back, boosting the rewards you can earn on travel. Uber purchases earn a whopping 10% back — through Nov. 14, 2024 — and Capital One Entertainment purchases earn 8% back.

If you’re frequently riding with Uber, ordering delivery through Uber Eats, or buying tickets to concerts and sporting events, these categories could help maximize your cash back rewards.

Other rewards

The unlimited 1% cash back on all other purchases is standard among cash back cards. While it's nice to have no limit on rewards in this base earning category, other cards offer a higher rate of up to 2% back on non-bonus spending. 

Rewards can be redeemed for a statement credit, check, gift card, and more. Cash back earned with the SavorOne never expires if your account remains open and in good standing. The flexibility to redeem rewards anytime and in any amount is a plus.

Capital One SavorOne Credit Card Benefits

Another benefit of the SavorOne card is its 15-month 0% intro APR on purchases and balance transfers (regular variable APR of 19.99%-29.99% applies after). 

An introductory APR offer this long can provide a lot of value for cardholders looking to pay off a large purchase or transfer a balance from a high-interest credit card. Just be aware that a 3% balance transfer fee applies. 

The SavorOne Cash Rewards offers a few ancillary benefits through Capital One and Mastercard, including:

• Complimentary concierge service 
• Extended warranty protection 
• Travel accident insurance 
• 24-hour travel assistance services 
• Access to exclusive dining and entertainment experiences 

While these perks aren't super flashy or valuable, they're nice and can come in handy when needed. 

Downsides to the Capital One SavorOne rewards card

The Capital One SavorOne card does have a few notable downsides to consider. 

Lower welcome bonus: This card offers a relatively lower welcome bonus of $200 cash back after spending $500 on purchases in the first 3 months. Other cash back cards offer bonuses of $250-$300 with the same or lower minimum spending requirement. 

May not offer the best cash back rates for you: The SavorOne card offers the highest cash back on entertainment and Uber purchases. If you spend most on essentials like groceries or gas , you may be better off with a cash back card geared towards those categories. 

Lacks some added benefits: The SavorOne also lacks some benefits on other cash back cards, such as cell phone protection and rideshare credits. If you value those perks, you may opt for a card that provides more lifestyle benefits.

If you love the bonus rewards with the SavorOne card but don't want to settle for earning 1% cash back on regular spending, consider pairing this card with one that earns 2% cash back on everything you buy. That way, you can use the SavorOne for bonus category spending and switch to your other card for everything else.

Alternatives to the Capital One SavorOne card

 If you're looking for alternative cash back or rewards cards, here are a few to consider

Is the Capital One SavorOne Card best for you?

If you're curious if the SavorOne Cash Rewards card is for you, you'll need to decide what you care about the most. This card is a good fit for:

• Foodies who dine out frequently: This card offers an excellent rewards rate on dining and groceries, so it can be a smart choice for foodies of all types. 
• Those who stream and attend live entertainment: If you buy tickets to concerts or live events or are a regular Netflix user, this card's rewards rate could be a good fit. 
• Occasional travelers who want to avoid foreign transaction fees: If you travel overseas and don't want to pay foreign transaction fees, any credit card from Capital One could work. 
• Anyone wanting a no annual fee card with solid rewards: Those who want to earn cash back without paying an annual fee should consider this card alongside other no annual fee cards . 

Conversely, this card is not the best choice if you want premium travel perks like airport lounge access or hotel elite status. The SavorOne is a cash back card, first and foremost, and offers no luxury travel benefits.

This card also may not be the best pick for those who don't spend much on dining and entertainment, as you won't get as much value out of the bonus categories. Likewise, if you do the bulk of your grocery shopping at superstores like Walmart or Target, you'll miss out on earning 3% back in that category.

The bottom line

The Capital One SavorOne Cash Rewards Credit Card is a top-notch option for foodies and entertainment lovers. The unlimited 3% cash back on dining, entertainment, popular streaming services, and groceries is extremely generous for a card with no annual fee and makes SavorOne stand out from the competition. 

While it may lack the flashier perks of premium cards, the SavorOne delivers a lot of value through its high cash back earning rate, long introductory APR offer, and flexible redemption options. The fact that rewards never expire is also a huge plus.

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.

Millions of people are traveling to see the total eclipse. Hotels, motels, and skydiving operators are making bank on it.

• Millions of tourists are expected to boost economies in Texas and New York during the eclipse.
• Hotels, an eyeglasses manufacturer, and even skydiving companies are preparing for increased business.
• One study predicted that the eclipse could benefit the US economy with nearly $1.6 billion.

As millions of Americans get ready to watch the total solar eclipse on Monday — an event NASA has described as rare and "spectacular" — the phenomenon stands to lift local economies.

Various industries are poised to benefit from the millions of tourists flocking to cities in Texas, Ohio, and New York , which are on the eclipse's "path of totality" and offer the best views of the ring around the sun.

According to NASA, this year's eclipse is set to last three to four minutes, longer than the last solar eclipse , in 2017. People who miss this one will not be able to see another in the contiguous US until 2044 or 2045, the agency said.

Up to 3.7 million people are set to travel to the path of the eclipse, joining the 31 million people already living along the stretch, according to predictions by the eclipse-tracking website Great American Eclipse .

Visitors are expected to spend big: They'll shell out up to $1.6 billion on lodging, activities, food, and gas, the Texas economic consultancy Perryman Group estimated .

Here are some of the industries seeing big boosts from Monday's eclipse.

Hotels and Airbnbs book out

The budget hotel chain Super 8 has over 300 locations within the path of totality, per The New York Times. About 100 of these hotels are sold out for Sunday or Monday, according to the chain's website.

One two-star Super 8 branch in Grayville, Illinois, is advertising rooms for between $765 and $950 from Sunday through Tuesday. On most days, the rooms typically cost $80, the Super 8 website shows.

Higher-end hotels are seeing similar spikes. A JW Marriott in Dallas listed a standard room for $1,039 for Sunday night. It typically costs between $355 and $482, the website said.

Related stories

Visitors are flocking to Airbnbs, too. As of March 25, occupancy rates for April 7 soared to 88% across 110,000 active listings on the path of totality, according to the vacation-rental-data company AirDNA.

The biggest glasses manufacturer has sold out

People can permanently damage their eyesight by looking straight into the sun during an eclipse, so NASA recommends specific solar-filtering glasses .

The eye-protection guidelines translated into huge sales for some glasses manufacturers.

Tennessee's American Paper Optics, the country's largest producer of protective eclipse eyeglasses, has seen a big jump in sales compared with the total eclipse in 2017.

The company started taking eclipse orders two years in advance, John Jerit, the company's founder, told NPR on Friday. The glasses sold for $1.50 to $2 apiece.

"We've shipped already about 70 million glasses, and I suspect I'm going to approach right at 75 million by the time next week comes," Jerit said.

American Paper Optics sold out of glasses this year after producing about 30 million more glasses than it did for the total solar eclipse in 2017, according to a sales figure on the company's site .

Eclipse skydiving attracts thrill seekers

Some adrenaline junkies seeking a novel vantage point are planning to jump during totality to enjoy the darkness from the sky.

A group of 30 skydivers plans to jump in northern New York on Monday, Fox News reported . Tickets for the dive, hosted by the local company Skydive the Falls, sold out in seven minutes after they went live in January.

"We're going to jump one minute prior to totality, so we can enjoy totality in full under our parachutes," Jason Berger, a co-owner of Skydive the Falls, told Fox News.

A similar event in Dallas sold out of its $250 eclipse skydive tickets, too.

For sun observers on the ground, restaurants are making the most of the celestial phenomenon with eclipse menus and specials. Establishments like Smoothie King, Applebee's, and Sonic are offering special eclipse-themed smoothies and margaritas, as well as "blackout" drinks to mark the occasion.

Watch: A small Australian town was treated to a rare hybrid solar eclipse

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