Best travel credit cards of 2025

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You could get $200 or more to offset vacation expenses.

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Get perks, like rental car insurance, free checked bags and access airport lounges.

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Use your card wherever you travel without paying foreign transaction fees.

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33 partner offers

(66 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$350

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Rates and fees

Need help deciding?When comparing travel credit cards, consider these factors before applying.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

You can earn rewards in the form of cash back, points or miles with a rewards credit card. Look for cards that offer around 2 points or miles (or 2% cash back) on everyday spending. Many rewards cards have special categories such as gas, groceries, dining and travel that earn rewards at a significantly higher rate—3x to 6x, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

(1386 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	29.49% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(32 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 100,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$650

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One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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(384 reviews)

American Express Platinum Card^®

Intro bonus:	You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$895

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(42 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 28.99% (Variable)
Rewards:	2x-10x (Miles per dollar)
Annual Fee:	$395

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(2991 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	18.99% - 28.99% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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(104 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	19.74% - 29.74% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

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(978 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	18.74%, 24.74%, or 28.74% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

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(1159 reviews)

Discover it^® Chrome

Intro bonus:	INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Intro APR:	0% intro APR for 6 Months on Purchases and 0% intro APR for 18 Months on Balance Transfers
Ongoing APR:	17.74% - 26.74% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

(592 reviews)

Credit One Bank^® Wander^® American Express^® with Dining, Gas & Travel Rewards

Ongoing APR:	29.24% Variable
Rewards:	1%-10% (cash back)
Annual Fee:	$95

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(8 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	Earn 85,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$250

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Rates and fees

Citi^® / AAdvantage^® Globe™ Mastercard^®

Ongoing APR:	19.74% - 29.74% (Variable)
Rewards:	1x-6x (Miles per dollar)
Annual Fee:	$350

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Rates and fees

(376 reviews)

Discover it^® Miles

Intro bonus:	UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
Intro APR:	0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:	17.74% - 26.74% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

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(685 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(360 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 28.99% (Variable)
Rewards:	2x-5x (Miles per dollar)
Annual Fee:	$95

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Citi Strata℠ Card

Intro bonus:	For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Intro APR:	0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	18.74% - 28.74% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(3 reviews)

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	18.24% - 28.24% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

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Rates and fees

(41 reviews)

Citi Strata Premier^® Card

Intro bonus:	Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:	19.74% - 27.74% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

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Rates and fees

(8 reviews)

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(49 reviews)

Costco Anywhere Visa^® Card by Citi

Ongoing APR:	18.99% - 26.99% (Variable)
Rewards:	1%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(1626 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	Earn $300 in travel bonuses with a limited-time $100 Capital One Travel credit, plus earn 20K bonus miles with $500 spend within 3 months from account opening - that's equal to $300 in travel
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.99% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(284 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0 introductory annual fee for the first year, then $150.

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(277 reviews)

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Ongoing APR:	19.74% - 29.74% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$99, waived for first 12 months

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Rates and fees

(12 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$650

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Rates and fees

(1 review)

Citi Strata Elite℠ Card

Intro bonus:	For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Ongoing APR:	20.74% - 28.74% (Variable)
Rewards:	1.5x-12x (Points per dollar)
Annual Fee:	$595

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One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(2943 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.99% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(219 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0

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Terms Apply

Rates and fees

(1510 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

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Rates and fees

(86 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
Ongoing APR:	19.74%-28.74% Variable
Rewards:	3x-12x (Points per dollar)
Annual Fee:	$150

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Rates and fees

(596 reviews)

American Express^® Gold Card

Intro bonus:	You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-4x (Points per dollar)
Annual Fee:	$325

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Terms Apply

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best travel credit card

See how to earn points

Pick a card that offers points for your most common purchases.

Look for sign-up bonuses

Spend a set amount to earn a bonus to offset travel costs.

Get travel protection

Some offer car rental insurance, lost baggage and other perks.

Compare annual fees

Most travel cards have an annual fee from $0-$500.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

Frequently asked questions

Travel credit cards allow you to earn rewards in the form of points, miles or cash back. Sometimes these rewards will be specific to an airline or hotel chain. Many travel cards also offer unique benefits, including annual statement credits and travel insurance that make them worthwhile for frequent travelers.

You generally need a good to excellent credit score to qualify for a travel credit card (FICO^® Score 670 and above). However, there are travel credit cards for people with low credit scores.

While the perks that travel credit cards can offer are attractive, it's also important to note that most of them charge annual fees, which typically range anywhere from just under $100 to more than $500. As a result, it's important to review the card's rewards and benefits to see how their value compares to its annual fee. In many cases, a travel credit card's benefits can easily make up for its annual fee, but only if you use them.

Think about how often you travel each year. If you don't fly frequently or don't think you'd take advantage of an airline credit card's free checked bag benefits, a hotel credit card's anniversary night certificate or a premium credit card's airport lounge access, it might not be worth applying for one. Fortunately, a few travel credit cards don't have annual fees, but they also typically don't come with extra perks beyond the rewards program.

Points and miles are both types of rewards that you can earn on your credit card. The terms are generally interchangeable, as some airline rewards programs use the term "points," while others use "miles."

You'll generally get the most value out of your points and miles when you redeem them for travel, particularly if you have an airline or a hotel credit card. If you have transferable points, you can research itineraries with multiple loyalty programs to see which will give you the most value per point or mile. Other redemption options often include:

Deposit into your bank account
Statement credit
Gift cards
Charitable donations
Merchandise

The rewards you earn with your credit card generally doesn't expire while your account remains open. However if you close your card, you will likely forfeit any rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it depends on the card issuer's rules and card's terms.

In addition to points, miles or cash back, many travel credit cards also offer insurance protection and other credit card benefits that can provide a lot of value. Some of the more basic perks include:

Rental car insurance
Purchase protection
Extended warranty coverage
Travel insurance
Cellphone protection

Premium benefits that often come with higher annual fee cards may include:

Global Entry or TSA Precheck application fee credits
Credits for travel purchases
Complimentary airport lounge access
Trip cancellation or interruption insurance
Free checked baggage
Lost luggage reimbursement and delayed baggage insurance

As you compare cards, look beyond the rewards to ensure you're getting the most value based on how you plan to use your new card.

Once you've got your new travel credit card, consider how you can use it to get the most benefits. The big things to look for are:

Meet the spending requirement for the intro offer (if there is one) before the deadline.
Remember which categories offer bonus rewards and try to use your travel card for those purchases.
Compare redemption options and see which give you the best value for your rewards. With travel cards, it's often best to redeem for travel bookings or transfer your rewards to partner travel companies.
Review the cardholder benefits and see if you need to activate certain perks—such as a complimentary Priority Pass membership.
Learn about the purchase-related benefits, which may include travel and purchase protections.

If your card has an annual fee, you may also want to set a calendar reminder for next year. As your anniversary date approaches, review how you used the card and decide whether it's worth keeping the card.

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Best travel credit cards of 2025

Browse categories

All travel credit cards

33 partner offers

Annual percentage rate (APR)

Intro bonus

Rewards

Annual fee

How to find the best travel credit card

See how to earn points

Look for sign-up bonuses

Get travel protection

Compare annual fees

Frequently asked questions

How do travel credit cards work?

What credit score do you need for a travel credit card?

Are travel credit cards worth it?

What's the difference between points and miles on a travel credit card?

How can you redeem travel rewards?

Do credit card rewards expire?

What additional credit card perks do travel cards offer?

How to make the most of travel credit cards

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