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What is the Air Canada Travel Voucher: How to Use, Redeem, and Apply? 

TravelRaval » Blog » What is the Air Canada Travel Voucher: How to Use, Redeem, and Apply? 

T o help passengers save more on their next trip, Air Canada offers multiple ways. Air Canada travel vouchers are one of the best options. These vouchers are provided in many forms such as digital wallets. The same can be utilized to book air tickets and purchase several other services. However, these vouchers come with a specific validity. All passengers are suggested to use the travel vouchers before they expire. Another notable point about these coupons is that travelers can transfer the benefit amount to use it best. Prior to that, all fliers are advised to understand the vouchers and methods to redeem them. 

What are Air Canada Travel Vouchers?

It is essential to understand that an Air Canada travel voucher is a type of compensation. The airline issues these vouchers to travelers whose flights were previously canceled or experienced any disruption. They can use these vouchers as a payment mode to save more on their next travel with this air operator.

How to Use Air Canada Travel Voucher?

Introduced in 2020, customers can avail of and use special travel vouchers upon flight cancellation. Fully transferable, these vouchers never expire and can be utilized multiple times. Passengers can use these on the flight booking as well as the packages.

Usage Limitations to Keep in Mind:

Air Canada is a good airline that provides vouchers but with some limitations. Please remember that these vouchers cannot be used on group bookings. Besides, the airline offers different ways to use these vouchers. Depending on your preference, you can redeem the same.

How to Redeem Air Canada Travel Voucher Online?

In case a flier prefers to book tickets online, then he or she will need to complete a set of steps to redeem the travel voucher of Air Canada. The process has to be performed on the official website of this airline. For the same, accurate details relating to the flier will be needed.

• Browse through the official website of Air Canada.
• On the homepage, passengers can get the option to find and book a flight.
• Enter your desired travel destinations and other details asked.
• Initiate the payment to use the vouchers issued by Air Canada.
• While redeeming, in the given field, enter the unique code linked to the voucher.
• Follow further steps to complete the booking and enjoy the benefits of travel vouchers. 

How to Redeem an Air Canada Travel Voucher Offline?

Travelers who do not prefer online booking can opt for other options to reserve tickets and still redeem their travel vouchers. For instance, if a flier chooses to make a booking with the help of a travel agent, then he/she can directly contact this person. This will help the flier to receive the benefits of an Air Canada travel voucher balance.

How to Redeem Air Canada Travel Vouchers via a Phone Call?

While booking tickets from Air Canada through modes like calling, the benefits of travel vouchers can still be availed. For this, customers can call on the number of the Air Canada Reservation team. It can be contacted by dialing 1-888-247-2262.

• The Caribbean
• Under Aeroplan, 1-800-361-5373 is the contact number to use.
• For international flyers, using the following phone numbers are suggested:

Note: The updated contact details can be collected from the official website of the airline.  

Things to Know about Air Canada Travel Vouchers

Before passengers get any voucher and use the benefits attached, they must know a few important aspects of it. Many times passengers do not even know how much Air Canada travel voucher balance is left. To ease the process, the airline has an online tool – Check Card Balance – on its official website. Travelers can make the most out of it to calculate the balance.

Besides, some more important points related to these vouchers have been highlighted here:

• The value of a travel voucher may take 3-4 business days to be reflected in the account.
• The balance can be used for individual bookings. It doesn’t cover group reservations.
• These travel vouchers of Air Canada are fully transferable. 
• They can be fully redeemed and used many times.
• Travel vouchers can be used for domestic and international airfares for selected routes.
• It is not a payment method but a way to save some bucks on each trip.
• Travelers cannot use the vouchers for car rental services, hotel booking, etc.
• Cargo services cannot be booked through these vouchers.
• Passengers are restricted to use vouchers for food, beverages, and duty-free items.
• Damaged, Stolen, 
• Lost, 
• Or, destroyed. 

Where to Use Travel Vouchers of Air Canada?

This airline has recently introduced AC Wallet for the use of travel vouchers. Hence, no new vouchers will be offered by the airline in the form of credit. But if a passenger already has a voucher, there is no need to be worried as it is valid until it is used entirely.

Speaking about the areas where an Air Canada travel voucher number can be used, customers need to remember the following:

• Air Canada, 
• Air Canada Express, 
• And/or Air Canada Rouge.
• It can be redeemed online or by connecting with the travel agency/agent.
• Aeroplan Flight Rewards can be booked through these vouchers.
• The benefits of these coupons can be enjoyed on vacation packages.

Terms and Conditions to Use Travel Vouchers

There are certain rules and restrictions to understand before redeeming Air Canada vouchers. For instance, only primary fliers can receive these travel vouchers. However, there are some more terms and conditions that need to be kept in mind while redeeming these. 

• These vouchers are issued to the main/primary passenger only.
• Air Canada Express
• Air Canada Rouge
• The benefit cannot be attained at airport self-kiosk centers or mobile app bookings.
• Last-minute upgrades, check-in, and baggage fees cannot be done.
• Purchase of duty-free items, cargo services, and group travel are not included.
• Membership fees of the Air Canada Maple Leaf Club cannot be paid.  
• Passengers cannot buy travel insurance through these vouchers.
• Travelers are not allowed to sell these vouchers. 

How to Apply for Air Canada Travel Vouchers?

Travelers can apply for a voucher under certain conditions. These vouchers are provided to those whose flights got canceled or have faced any disruption from the airline’s end before traveling. Even though they can always request a refund in the original form of payment, travel vouchers can also be availed as a refund, once applied. 

To apply for the voucher, one needs to connect with the airline through a phone call or in person at the airport counter. After evaluating the present scenario and other important details, the airline will issue the travel vouchers.

Redeeming an Air Canada travel voucher is quite a straightforward process. Travelers can do it in a myriad of ways – online and via a phone call. However, it is important to keep the voucher code and other travel details handy as it will speed up the redemption.  

Frequently Asked Questions

Given below are some commonly asked questions and answers related to Air Canada’s travel vouchers:

E-vouchers are issued by mail while the other voucher can be received via the website.

Yes, the voucher amount is fully transferable.

It may take up to 3-4 business days to get this voucher after applying for it.

These vouchers do not have any expiry date.

Passengers can connect with the Air Canada representative to get travel vouchers.

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16 Best Travel Credit Cards of September 2024

The best travel credit card is one that brings your next trip a little closer every time you use it. Purchases earn points or miles you can use to pay for travel. If you're loyal to a specific airline or hotel chain, consider one of that company's branded travel credit cards. Otherwise, check out our picks for general-purpose travel cards that give you flexible travel rewards without the restrictions and blackout dates of branded cards.

400+ credit cards reviewed by our team of experts ( See our top picks )

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

27,000+ hours spent researching and reviewing financial products in the last 12 months

Objective comprehensive ratings rubrics ( Methodology )

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

Show summary

NerdWallet's Best Travel Credit Cards of September 2024

Chase Sapphire Preferred® Card : Best for Max flexibility + big bonus

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

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

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

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

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

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

Ink Business Preferred® Credit Card : Best for Business travelers

Citi Strata Premier℠ Card : Best for Triple points on multiple categories

Capital One VentureOne Rewards Credit Card - Miles Boost : Best for Flat-rate rewards + no annual fee

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

World of Hyatt Credit Card : Best for Best hotel card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments

United℠ Explorer Card : Best for Best airline card

PenFed Pathfinder® Rewards Visa Signature® Card : Best for Credit union benefits

Wells Fargo Autograph Journey℠ Card : Best for Booking directly with airlines/hotels

Best Travel Credit Cards

Find the right credit card for you..

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

Max flexibility + big bonus

Flat-rate rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers, triple points on multiple categories, flat-rate rewards + no annual fee, bonus rewards + high-end perks, best hotel card, travel rewards for rent payments, best airline card, credit union benefits, booking directly with airlines/hotels, full list of editorial picks: best travel credit cards.

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

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

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

Capital One VentureOne Rewards Credit Card - Miles Boost

Our pick for: Flat-rate rewards + no annual fee

With the Capital One VentureOne Rewards Credit Card - Miles Boost , you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card ( see rates and fees ). Still, the bonus offer makes this a solid card for starting out with travel rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus rewards + high-end perks

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

Chase Sapphire Preferred® Card

Our pick for: Max flexibility + big bonus

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

Wells Fargo Autograph Journey℠ Card

Our pick for: Booking directly with airlines/hotels

The Wells Fargo Autograph Journey℠ Card stands out among general-purpose travel cards because it pays its highest rewards rates on travel bookings made directly with airlines and hotels, rather than requiring you to go through the issuer's travel agency, where prices might not be competitive. The points are flexible, you get a good bonus offer, and the card comes with a few other nice perks. Read our review.

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

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

Citi Strata Premier℠ Card

Our pick for: Triple points on everyday categories

The Citi Strata Premier℠ Card earns bonus points on select travel, supermarkets, dining, gas stations and EV stations. There's a solid sign-up bonus as well. Read our review.

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

Our pick for: Road trips

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

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

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

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

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

The Platinum Card® from American Express

Our pick for: Luxury travel perks

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

American Express® Gold Card

Our pick for: Big rewards on everyday spending

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

Bilt World Elite Mastercard® Credit Card

Our pick for: Travel rewards on rent payments

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

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

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

United℠ Explorer Card

Our pick for: B est airline card

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

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

World of Hyatt Credit Card

Our pick for: Best hotel card

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

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

Ink Business Preferred® Credit Card

Our pick for: Business travelers

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

OTHER RESOURCES

How travel rewards work.

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

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

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

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

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

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

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

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

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

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

HOW TO CHOOSE A TRAVEL CREDIT CARD

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

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

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

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

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

Travel cards are for travelers

Travel cards vs. cash-back cards.

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

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

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

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

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

Evaluating general travel credit cards

What you get with a general travel card.

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

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

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

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

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

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

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

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

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

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

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

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

Points programs

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

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

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

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

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

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

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

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

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

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

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

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

» MORE: NerdWallet's best airline credit cards

Choosing an airline

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

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

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

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

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

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

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

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

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

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

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

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

HOW TO COMPARE TRAVEL CREDIT CARDS

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

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

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

Rewards rate

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

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

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

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

Sign-up bonus

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

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

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

Foreign transaction fees

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

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

International acceptance

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

Travel protections

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

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

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

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

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

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

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

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

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

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

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

Cons: Why a travel card might not be for you

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

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

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

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

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

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

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

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

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

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

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

OTHER CARDS TO CONSIDER

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

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

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

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

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

NerdWallet's Sam Kemmis contributed to this article.

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

Last updated on August 29 , 2024

Methodology

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

Frequently asked questions

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

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

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

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

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

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

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

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

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

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

Business travel can earn credit card rewards just like leisure travel. Credit cards that earn rewards for travel purchases don't distinguish between one or the other — meaning, if a card pays 3X points on airfare, for example, it's going to pay it no matter why you're buying the ticket. There are also travel credit cards specifically designed for business operators, with benefits and perks better aligned with their needs.

Where things get complicated is when you're not arranging the travel yourself. With credit card points, the rewards go to the cardholder. So if you arrange travel through your employer and the cost goes on the "company card," then the company card gets the points. Put it on your own card and get reimbursed later, and you get the points. (And if you have a company card with your name on it? That may come down to company policy.)

When redeeming travel rewards, you want to get as much value as possible. If you can get more value by using your rewards than by using cash, then it's smart to do so. (And of course, the reverse also applies.) NerdWallet has calculated the baseline values of most major credit card points, airline miles and hotel points. When you get a value that exceeds these baselines, go ahead and use your rewards. If not, consider using cash.

For example, say you could book a trip by paying $400 cash for a ticket or by redeeming 50,000 points or miles. In that case, your points would be getting you a value of 0.8 cents apiece (50,000 x 0.8 cents = $400). If the baseline value of each point is 1 cent, then you're better off paying cash and saving the points for when you can redeem them for 1 cent or better.

That said, you don't want to be overthinking it and hoarding points indefinitely in search of the deal to end all deals. Like any other currency, travel rewards lose value over time. That flight that costs 50,000 points today might cost 55,000 next year. Do you have enough points to get you where you want to go, when you want to go, in the way you want to get there? If so, don't let fractions of a penny stop you from booking your trip. It's your money, and you get to decide how to spend it.

A number of travel credit cards come with "travel credits," which reimburse you for specific expenses. The Chase Sapphire Reserve® , for example, has a $300 annual travel credit; several cards offer credits toward things like airline fees or hotel bookings; and a bunch of cards have a credit for the application fee for TSA PreCheck or Global Entry .

The less restrictive a credit is, the easier it is to redeem. The easiest travel credit to redeem is one that:

Applies to a broad range of expenses. Some credits are very fickle. You may get $200 a year in "airline credit," but it applies only to incidental fees (not airfare) on a single airline that you have to choose ahead of time. A card may offer hundreds of dollars in credit toward travel, but you have to go through the issuer's booking portal, where rates may be more expensive and options more limited. Other credits, however, are broad and open-ended: $300 on any travel expense, $100 toward any airline booking, and so on.

Shows up automatically on your statement. Your issuer's system should be able to recognize qualifying expenses and then apply the credit to them without you having to do anything. If the only way to receive the credit is by calling a phone number or submitting receipts or other documentation, that makes it harder to redeem, which in turn makes it less likely that you'll redeem (and that may be the point).

About the author

Sara Rathner

What to do if you can't use your airline credit by its expiration date

As the novel coronavirus continues to spread around the world, people are making major adjustments to their everyday life — namely, by social distancing and staying home except for essential errands or mandatory work assignments.

While we're a community of avid travelers, we're not encouraging any travel right now unless it's absolutely essential. There will come a time for your next trip — we promise! But the best way for things to return to normal as quickly as possible is for you to stay put.

Visit TPG's guide to all coronavirus news and updates

As airlines are slashing their schedules and reducing their capacity to unparalleled lows, we know many of you may be wondering what to do with your travel credits. Even if you'd planned to put them to good use on a flight in the next few weeks or months, it's too soon to say when we might be able to pack our bags and travel again. So, here's everything you need to know about your airline credits, including what airlines are providing increased flexibility — and how to get an extension if they're not.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

Alaska Airlines

"Credit certificates may be issued when you exchange or cancel a nonrefundable Alaska Airlines ticket," says Alaska's official policy . "Your credit certificate will remain valid for 12 months from the issuance date of your original ticket, or 30 days from the date of exchange or cancellation, whichever is greater."

We reached out to Alaska Airlines to see if they have any specific policies in place to help travelers during the coronavirus outbreak, but did not hear back by the time of publication.

American Airlines

As for American Airlines , the airline's eVouchers are valid from one year of the date they were issued. They can be used on American Airlines or any Oneworld partner or American Airlines codeshare flight. You can redeem them online or by calling American Airlines reservations.

A spokesperson for American Airlines told TPG that travelers with questions about their eVouchers should contact a customer relations specialist.

TPG reader Dominique B. had a voucher from American Airlines that was set to expire on March 25. Dominique replied to the email the voucher was sent in, and the airline agreed to extend it for one year. The process, Dominique said, was "very simple and easy," and only took about two days from start to finish.

Delta Air Lines

Delta's eCredits , such as Delta Travel Vouchers, Delta Dollars (typically compensation from an oversold flight) and Transportation Credit Voucher (such as compensation from a service issue), can be applied toward a Delta ticket.

Currently, any Delta ticket expiring in March or April will be extended to enable rebooking and travel until Dec. 31, 2020. If you don't take your flight, your ticket number automatically becomes an unused eCredit within 24 hours. A Delta spokesperson confirmed to TPG that "eCredits, like tickets, expiring in March and April will be automatically extended to Dec. 31, 2020."

Hawaiian Airlines

Credits on Hawaiian Airlines are also valid one year from the date they're issued. Reservations must be booked within one year of the date the credit was issued, as well. A spokesperson said, at this time, the airline will suspend mileage expirations through Dec. 31. TPG asked for clarification about travel credits, but did not hear back in time for publication.

On JetBlue , your credits are valid one year from the date they were issued until 11:59 p.m. on the date of expiration. You can refer to your Travel Bank statement to view your current balance, as well as transactions and each credit's expiration date.

We reached out to JetBlue to see if they have any temporary policies regarding Travel Bank Credits in place to help travelers during the coronavirus outbreak, but did not hear back by the time of publication.

TPG reader Jeremy C., however, told the TPG Lounge he was able to get a JetBlue credit extended by two weeks by using the airline's online chat service.

If you cancel your Southwest reservation at least 10 minutes prior to departure, the fare paid for by the unused ticket will be applied as travel funds toward your future flights. All travel booked with unused funds or a Southwest LUV Voucher must be completed by the expiration date listed on your ticket.

Travel Funds expire 12 months from the date the original flight was booked — not from when the flight was canceled and the Travel Funds issued. This expiration date is also a "must-fly-by date," not a "book-by date."

In light of recent events, Southwest has modified this policy. Funds that have expired or will expire between March 1 and May 31, 2020, will now expire on June 30, 2021. In addition, any newly created travel fund generated because of a flight cancellation between March 1 and May 31, 2020, will have an expiration date of June 30, 2021, a spokesperson told TPG.

United Airlines

You can use your United electronic certificate only on United and United Express-operated flights, as well as United Express-marketed flights operated by other airlines. Your credits aren't valid on other Star Alliance airlines, unfortunately.

Your credit will expire expire one year from original date of issue, unless otherwise noted.

In the TPG Lounge, Jon W. said he called the [United] 1K desk and asked about his credit. "They extended it 60 days," he said. So, if you have elite status , be sure to leverage it during this unprecedented time.

If your credit isn't automatically extended

Message the airline.

Your best bet for finding the most current information about your personal airline credit — and asking for an extension if you need one — is going to be to get in touch with the airline. But, as you can imagine, call lines are swamped (yes, even on the elite status lines). Many airlines are asking travelers to only call if it's an urgent travel matter and, if not, to call back at a later time and date.

That said, we have some strategies up our sleeve for getting in touch with them. Messaging them on Twitter or Facebook can't hurt, and they may be able to extend the expiration date of your credits for you. As many TPG readers pointed out, they were able to get travel credit extensions by messaging the airline on social media and sending emails.

Related: How to quickly reach an airline customer service agent

Rebook your flight

In some situations, it might make sense to cancel your flight and rebook at another time.

For example, if you're a United flyer with a voucher, you can book a ticket with the voucher by March 31 (or earlier if it expires before then). If you want to change or cancel, the flexible booking policy will apply , a spokesperson for the airline confirmed.

Plus, if you're already scheduled to travel before April 30, there is currently no fee to change your flight. This is in addition to the airline's previous waiver, which scrapped all change fees for domestic and international tickets purchased between March 3 and March 31. This policy is in place for any of United's published nonrefundable fares, and if you end up canceling your flights, you can retain the value of your ticket to be applied to a new ticket without a fee for up to 12 months after the original issue date. This applies to Electronic Travel Credits, the spokesperson confirmed.

Related: Can I cancel or change my award ticket due to coronavirus travel waivers?

Book a ticket

This may seem counterintuitive, but hear us out.

It's something of a gamble, but you can book a ticket using your airline credit and then cancel it to reset the expiration date. Keep in mind travelers have had mixed results with this method, but it's worth a shot if none of the aforementioned avenues work.

Bottom line

It's a weird time, to be sure, but it will pass. Again, you should only be traveling right now if it is absolutely essential and urgent.

We know you had some amazing plans lined up, and while they might need to be put on hold for the time being, your trip will happen sooner or later. In the meantime, keep these strategies in mind so that your credits don't expire — and that you can keep them around when the time does come to plan that trip.

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• Payment options

Travel credit

Understanding travel credit options.

We offer different types of travel credit: Trip Credit, Flight Credit, and Travel Vouchers. Each type of travel credit has its own terms and conditions, so be sure to read them carefully before redeeming your credit. Keep in mind, travel credits can only be used to book flights, and can’t be used to pay for extras like seats or bags.

Extended Trip Credit

For Trip Credit issued on or after April 2, 2024, AAdvantage ® members have 12 months to use their Trip Credit when canceling their trip on aa.com or the American app and their AAdvantage ® number is included in their reservation. Non-AAdvantage ® members have 6 months.

Types of travel credit

*Can’t be used for extras like seats or bags.

**For Trip Credit issued on or after April 2, 2024, AAdvantage® members have 12 months to use their Trip Credit when canceling their trip on aa.com or the American app and their AAdvantage® number is included in their reservation. Non-AAdvantage® members have 6 months.

***When booked on aa.com, Flight Credit can only be applied to flights within the U.S., Puerto Rico, and the U.S. Virgin Islands. (U.S. currency only)

Ready to book a trip?

Book a trip with your Trip Credit

Find your trip to use your Flight Credit

• Contact Reservations

If you received a travel credit, you can use it to book your next trip. Here's how to find and redeem your Trip Credit and Flight Credit.

Trip Credit

If you're an AAdvantage ® member, most Trip Credits will appear in your AAdvantage ® account.

Log in to your account

Step 1: Find your Trip Credit email

• Look for an email from American Airlines with the subject line ‘Your Trip Credit.’
• Your Trip Credit number is a 13-digit number that begins with ‘00115.’

Keep in mind there are separate ticket numbers for add-ons like seats, upgrades, and bags.

Step 2: Book and add your Trip Credit

• Go to aa.com and book your new flight.
• On the payment screen, select ‘Trip Credit.’
• Follow the prompts to pay using your Trip Credit.
• You may use a credit card to pay any remaining balance.

Flight Credit

If you're an AAdvantage ® member and had your account number listed in your reservation before cancellation, you can log in to your account and view available Flight Credit in your AAdvantage ® account.

Step 1: Find your canceled trip or confirmation email

• You'll need your 6-character confirmation code and 13-digit ticket number.
• American tickets have a 13-digit number that begins with '001'.

Step 2: View your canceled trip

• Go to aa.com and choose ‘Manage trips / Check-in’
• Choose ‘View canceled trips’ and enter your trip details.
• You’ll find your Flight Credit details on the ‘Your trip’ page.

Step 3: Rebook and add Flight Credit

• Go to aa.com and find your new flight.
• On the payment screen, choose ‘Add Flight Credit.’
• Enter the ticket number from your canceled trip and apply the credit.

Book a trip with your Flight Credit

General rules

• Trip Credit is non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and has no implied warranties, including warranties of merchantability or fitness.
• Trip Credit is void if bought, sold or bartered, advertised for sale or used for commercial or promotional purposes.
• We won’t replace Trip Credit if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your Trip Credit number. Please guard the Trip Credit number as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any Trip Credit mistakenly issued in an incorrect denomination or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.

Expiration and validity

• Valid until 11:59 p.m. (CT) on the date listed on the Trip Credit, and we won't reissue it past the expiration date.
• We won't accept invalid or expired Trip Credit.
• We won’t accept Trip Credit with an invalid number or if we are unable to locate it within the American Airlines systems.
• To receive Trip Credit, your original ticket must be canceled before the departure of the first flight (or the ticket loses any remaining value and cannot be used for future travel).

Redemption and usage

• You may redeem Trip Credit on aa.com or by contacting Reservations. Trip Credit is not redeemable through any other channels, including airport ticket counters or travel agencies.
• When contacting Reservations, tell the agent you have Trip Credit and you want to use it to book your travel.
• Trip Credit is redeemable toward air travel on flights operated by American, American Eagle ® or flights marketed by American (designated with an AA*). You can’t use Trip Credit for payment of air travel on any other airline on aa.com.
• Contact Reservations to use Trip Credit for qualifying one world ® or other airline partner itineraries.
• Trip Credit is redeemable toward the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may not use Trip Credit for products and / or services sold separate from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ or any other non-flight products and / or services sold by American.
• You may only use non-taxable Trip Credit for single-passenger reservations on aa.com.
• Contact Reservations to use Trip Credit for more than 9 passengers.
• The recipient of Trip Credit can use it to pay for travel for themselves or others.
• You may redeem up to 8 Trip Credits in a single transaction on aa.com or through Reservations.
• If the ticket price is greater than the value of the Trip Credit, you may pay the difference only with a credit card accepted by American.
• If the ticket price is less than the value of the Trip Credit, we’ll issue any remaining value on a new Trip Credit, delivered via email to the passenger ticketed on the Trip Credit redemption. You may choose to have the new Trip Credit email sent to your email address and then use the remaining value on a new reservation for yourself or someone else.
• You may not combine Trip Credit with the value of an existing ticket to pay for a new ticket.
• Flight Credit is non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and has no implied warranties, including warranties of merchantability or fitness.
• Flight Credit is void if bought, sold or bartered, advertised for sale or used for commercial or promotional purposes.
• We won’t replace Flight Credit if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your Flight Credit number. Please guard the Flight Credit number as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any Flight Credit mistakenly issued in an incorrect denomination or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.
• Flight Credit is valid for 1 year from the date the ticket was issued. We will not extend or reissue once it expires.
• If you don't show for your flight, your ticket will no longer be valid or eligible for any credit.
• We won't accept invalid or expired Flight Credit.
• You may redeem Flight Credit on aa.com, in person at the airport or by contacting Reservations.
• When contacting Reservations, tell the agent you have Flight Credit and you want to use it to book your travel.
• The recipient of Flight Credit can use it to pay for travel for themselves only.
• Flight Credit is redeemable toward air travel on flights marketed and operated by American, by American Eagle ® carriers or on flights marketed and sold by American but operated by one of American’s codeshare or one world ® partners (i.e. flights designated with an AA*).
• Flight Credit is redeemable toward initial booking, the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may only redeem 1 Flight Credit for single-passenger trips on aa.com or through Reservations. In order to redeem up to 2 Flight Credits in a single transaction, you must contact Reservations.
• If the ticket price is greater than the value of the Flight Credit, you may pay the difference only with a credit card accepted by American.
• If the ticket price is less than the value of the Flight Credit, you can only use the value of Flight Credit needed for the current booking while remaining value will be issued as travel credit for future reservations.
• You may not use Flight Credit for products and / or services sold separately from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ products or services or any other non-flight products and / or services sold by American.

Electronic travel voucher terms and conditions

• eVouchers are provided for U.S. customers only.
• eVouchers are non-refundable, non-transferable, non-returnable, may not be redeemed for cash, check or credit (except where required by law) and have no implied warranties, including warranties of merchantability or fitness.
• eVouchers are void if bought, sold or bartered, advertised for sale, or used for commercial or promotional purposes.
• We won’t replace eVouchers if lost or stolen. This may include inadvertent deletion, forwarding or access of the email containing your eVoucher number. Please guard the eVoucher number and PIN as you would cash.
• Except where prohibited by law, we reserve the right to refuse, void, cancel, reject or hold for review any eVouchers mistakenly issued in an incorrect denomination, or issued or obtained, directly or indirectly, in connection with fraudulent actions, fraudulent claims, compensation abuse or in connection with any violation of these terms and conditions.
• eVouchers are valid for 1 year from the date of issue, and we won’t reissue them past the expiration date.
• We’re not responsible for honoring invalid or expired eVouchers.
• We won’t accept an eVoucher with an invalid number or if we are unable to locate it within the American Airlines systems.
• You may redeem eVouchers only on aa.com or by contacting Reservations. eVouchers are not redeemable through any other channels, including airport ticket counters or travel agencies.
• eVouchers are redeemable toward air travel on flights operated by American, American Eagle ® , one world ® partners or on flights marketed by American (designated with an AA*). You can’t use eVouchers for payment of air travel on any other airline.
• Flights sold or originating outside the U.S., Puerto Rico or U.S. Virgin Islands or operated by other carriers are not eligible.
• eVouchers are redeemable toward the base air fare and directly associated taxes, fees and charges collected as part of the fare calculation.
• You may not use eVouchers for products and / or services sold separate from the fare price or for taxes, fees or charges in connection with AAdvantage ® award travel, American Airlines Vacations℠ or any other non-flight products and / or services sold by American.
• The eVoucher recipient can use it to pay for travel for themselves or others.
• You may redeem up to 8 eVouchers in a single transaction.
• If the ticket price is greater than the value of the eVoucher(s), you may only pay the difference with a credit, debit or charge card with a billing address in the U.S., Puerto Rico or U.S. Virgin Islands.
• If the ticket price is less than the value of the eVoucher(s), the unused amount will remain on the eVoucher until it reaches zero, at which time the eVoucher will be deactivated.
• You may not combine eVouchers with the value of an existing ticket to pay for a new ticket.

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Best travel credit cards of September 2024

• • Credit card strategy
• • Credit card comparisons

• • Rewards credit cards
• • Travel credit cards

• • Credit cards
• • Personal finance

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+ Show Summary

• Best for sign-up bonus: Capital One Venture Rewards Credit Card
• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for low cost: Capital One VentureOne Rewards Credit Card  
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for savers: Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card

A FICO score/credit score is 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 financial product.

Showing 20 results

Limited Time Offer

Best for sign-up bonus

Capital One Venture Rewards Credit Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel

Earn 75,000 + $250 in Travel Credit

Rewards rate

5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel, 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

Regular APR

19.99% - 29.99% (Variable)

Why you'll like this: Its newest sign-up bonus is easily one of the most valuable you can get on a mid-tier travel card.

Best starter travel card

Chase Sapphire Preferred® Card

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℠.

60,000 bonus points

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.

21.49% - 28.49% Variable

Why you'll like this: It carries solid travel perks and protections, a great mix of bonus categories, valuable points and flexible redemption.

Best for luxury travel

The Platinum Card® from American Express

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

Earn 80,000 points

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. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

Why you'll like this: No other card offers so many annual credits, such comprehensive airport lounge access and such valuable travel protections and hotel privileges.

Best for low cost

Capital One VentureOne Rewards Credit Card

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel, 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

Why you'll like this: It’s one of the only no-annual-fee travel cards that lets you transfer miles to airline and hotel partners.

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + earn up to $100 back

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Why you'll like this: Food-related perks are the core of this card — from its annual dining and food delivery credits to its competitive dining rewards rates.

Best for everyday spending

Citi Strata Premier℠ Card

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

21.24% - 29.24% (Variable)

Why you'll like this: It’s a great option for occasional travelers thanks to its everyday rewards, practical perks and pairing potential.

Best for intro APR

Bank of America® Travel Rewards credit card

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.

25,000 points

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.

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you'll like this: It boasts a more valuable welcome offer than most no-annual-fee travel cards and is one of the few that offers an intro APR.

Best for point values

Chase Sapphire Reserve®

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℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Why you'll like this: Points are worth 50 percent more when you redeem via Chase Travel — the best value you can get on a general travel card without transferring points.

Best for practical perks

Capital One Venture X Rewards Credit Card

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

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel, 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

Why you'll like this: It’s likely your most cost-effective path to top-tier perks like airport lounge access, and annual travel credits.

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

Why you'll like this: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels, Earn unlimited 4X points on airlines, Earn unlimited 3X points on other travel and restaurants, Earn 1X points on other purchases

21.24%, 26.24%, or 29.99% Variable APR

Best no-annual-fee hotel card

Hilton Honors American Express Card

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

Why you'll like this: It’s remarkably well-rounded thanks to its everyday reward categories, which make it a lucrative card even if you only travel occasionally.

Best for luxury hotel perks

Marriott Bonvoy Brilliant® American Express® Card

Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 185,000 Marriott Bonvoy bonus points

Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines. 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.

Why you'll like this: It offers terrific value via its luxury perks, including Platinum Elite status, annual reward nights and a $300 Marriott dining credit.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Bilt credit card.

3x points on dining, 2x points on travel, 1x points on other purchases, Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

Best for gas

Wells Fargo Autograph℠ Card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

20.24%, 25.24%, or 29.99% Variable APR

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 50,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S. and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

Why you'll like this: The annual companion certificate is easy to earn and carries enough value to offset the annual fee on its own.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Earn 50,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

Why you'll like this: Its high-value sign-up bonus and anniversary points make this a low-risk card for occasional flyers.

Best for savers

Bank of America® Premium Rewards® credit card

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

Why you'll like this: The Preferred Rewards program can give this card the highest flat travel rewards rate out there.

Best for first-year value

Discover it® Miles

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. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

Why you'll like this: Discover’s first-year rewards match could carry more value than the bonuses you’ll find on even the best no-annual-fee travel cards.

Best for fair credit

Credit One Bank® Wander® American Express® Card

Intro offer is not available for this Credit One Bank credit card.

10X points on eligible hotel and car rentals booked using the Credit One Bank travel partner. 5X points on eligible travel including flights, dining, and gas purchases. 1X points on all other purchases.

29.99%* Variable

Why you'll like this: It boasts perhaps the highest travel rewards rate you can get with a fair credit score.

Remove a card to add another to compare

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which they can redeem for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight —  they also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

The pros and cons of travel credit cards

Co-branded travel cards vs. general travel cards.

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards aren’t affiliated with a specific travel brand. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry.

However, you won’t be able to use your rewards with different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than general travel cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and comprehensive airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the  steps to choosing the best travel card .

Know how you prefer to travel

Knowing whether your travel expenses are primarily airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mainly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

Weigh redemption value versus redemption options

Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider travel points or mile programs that allow you to redeem at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

Find a card that matches your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

Calculate whether the rewards and perks are worth the annual fee

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

Consider where you may travel abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If you also have a trip coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Here’s how a Bankrate editor chose his travel card

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy. I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s credits may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These ‘loopholes’ can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

How do credit card points and miles work?

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to  make the most of your travel rewards .

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to understand this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average.

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for the loyalty programs of the most popular airlines (in terms of passengers carried). You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often worth less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and our valuation, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

Bankrate’s latest point and mile valuations

When to use rewards vs. cash.

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

What are the most important travel card perks?

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you read the fine print. While the Amex Platinum may not be as ideal for travel protections, its credits more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

How we assess the best travel credit cards

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of a premium card by taking advantage of the various travel perks and features included on the card. 

Who should get a travel credit card?

A travel credit card is almost always a great fit for frequent travelers or anyone who wants to save money and smooth out their next vacation with rewards and perks. However, the right travel card for you will depend on your travel habits.

Here are some of the people who should get a travel card: 

• Frequent travelers
• Travel brand loyalists
• Travel beginners
• Business travelers
• International travelers
• Luxury travelers

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

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global Entry:Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on July 24, 2024.

Discover International acceptance . Discover. Accessed on July 31, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on July 31, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

• Credit Cards

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

How The RBC Avion Visa Infinite Card Came To The Rescue With Travel Insurance

Published: Aug 30, 2024, 10:25am

Table of Contents

How i ensured i was covered, rbc avion visa infinite card insurance, the worst flight delay of my life, taking advantage of my travel insurance, key takeaways.

Anyone who travels regularly will have a pack list that they default to. The list will include the usual items like sunglasses, chargers and cash. On my list, travel insurance is the number one thing I don’t leave home without .

In certain countries, healthcare is incredibly expensive. I once paid $250 U.S. dollars ($336.65 CAD) to visit a doctor in San Diego because my daughter had a cough. Fortunately, it was nothing serious, as a visit to the emergency room could have easily set me back thousands of dollars.

On a recent flight home from Calgary, I experienced the worst travel delays of my life. But, what started as a scary and frustrating experience, became tolerable thanks to the comprehensive travel insurance included with my RBC Avion Visa Infinite Card .

Best Travel Credit Card For Avion Rewards

Rbc avion visa infinite.

Welcome Bonus

Up to 55,000 Avion points*

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

An incredibly generous welcome bonus that can fly you anywhere in North America or the Caribbean on Avion Points. Plus, a very good selection of trip benefits and an annual earnings value of nearly $500 anchor this card for only a very average purchase interest rate and annual fee.

Learn more:  Read our RBC Avion Visa Infinite Review

• Avion Points can potentially be worth a lot on redemption (between $0.2 and $0.233 per point when you redeem through the RBC Air Travel Redemption Schedule).
• Flexible redemption options, including flights, merchandise, gift cards, charitable donations, RBC financial products, transfer to HBC Rewards and more.
• 4 different airlines to transfer points to, including Cathay Pacific, British Airways, WestJet and American Airlines.
• 12 different types of travel insurance and purchase protection, including the rare mobile device insurance policy.
• A huge welcome bonus that allows you to fly anywhere in anywhere in North America or the Caribbean
• High income requirements at $60,000 individual or $100,000 household annual income.
• Low redemption value for anything besides the RBC Air Travel Redemption Schedule and transferring to airline partners.
• A $120 annual fee.
• Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and
• Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers which provides access to earn points faster at specified brands
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid
• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
• Get a 12-month complimentary DashPass subscription – a value of almost $120
• **, ^, ± Terms and conditions apply

Credit card travel insurance can be complicated, so reading the policy details is essential. The RBC Avion Visa Infinite Card covers 15 days of consecutive travel for those under 65 years of age. Even though I’m a resident of Ontario, and have provincial healthcare, it doesn’t cover everything once I travel outside my home province. The included travel insurance covered me in case I needed an ambulance or emergency evacuation. The good news about credit card travel medical insurance is that it applies as long as you have the card. No travel purchases are necessary.

However, for extended travel benefits, such as trip cancellation, baggage and flight delay, the policy of the RBC Avion Visa Infinite Card clearly states the following:

This insurance is effective when the full cost of your airline ticket issued by an air carrier is paid with your RBC Avion Visa Infinite card and/or Avion points.

For any hotel or auto rental claims, you’d have to charge the total cost of your hotels and car rental for your insurance to apply.

Since this was a last-minute trip, I used my RBC Avion points and booked via the RBC Air Travel Redemption Schedule , which allowed me to double the value of my points. However, since this was points redemption, I charged the remaining fees to my RBC Avion Visa Infinite Card so my extended travel insurance would be valid.

For reference, the RBC Avion Visa Infinite Card comes with the following insurance:

• Out of province/country emergency medical: Unlimited reasonable medical expenses
• Trip cancellation & trip interruption insurance: $1,500 per person, up to $5,000
• Delayed baggage & flight delay insurance: $250 per day, up to $500
• Travel accident insurance: Up to $500,000
• Hotel/motel burglary: Up to $2,500
• Auto rental collision/loss damage waiver insurance: 48 days on cars with a manufacturer’s suggested retail price of up to $65,000
• Mobile device insurance: Up to $1,500
• Purchase security & extended warranty: 90 days and double the manufacturer’s warranty, up to one additional year.

The included travel insurance is excellent for a card with an annual fee of $120. That said, if you’re 65 or over, the insurance likely won’t be enough to cover your trip. It’s also worth noting that the included mobile device insurance , purchase security and extended warranty can be quite handy if you ever need to make a claim.

On my day of departure, I woke up to find out that my flight home from Calgary to Toronto had been cancelled. This wasn’t a big deal, as I had already been rebooked on a flight taking off an hour later. However, that inbound flight departed Toronto late, which meant it arrived in Calgary late, so I was delayed another hour before taking off.

Things were relatively smooth once I was in the air until we started getting closer to Toronto. Due to severe thunderstorms in Toronto, our plane had to circle twice, adding another 30 minutes. There was a brief window where the storm calmed down, so airport control in Toronto tried to land as many planes as possible.

As we started our descent, the rain got much worse the closer we got to the airport. You could barely see outside the window, and there was quite a bit of shaking. However, I knew we were about to land as I could see the general airport area. Suddenly, the pilot announced that he was doing a go-around. For those unfamiliar with the term, that’s where pilots abort the landing on the final approach and pull up to attempt to land again.

I looked out my window immediately and saw the runway was directly below us. We were likely 500 meters from the ground. I also quickly realized that the pilot wasn’t turning. I wasn’t sure where we were going, but I was pretty sure we wouldn’t be landing in Toronto. There was a lot of turbulence on the way up, and many of my fellow passengers were quite shaken by the experience.

After thirty minutes of flying, the pilot announced that we’d be landing in Montreal to wait out the storm. The problem was that many other flights were also diverted to Montreal, so no gates were available. When we got to the gate, no staff could open the door. That added another two hours to my journey. At this time, it was close to 10 p.m. While some people thought we’d still get on a flight back to Toronto, I knew there was zero chance we’d be taking off again that night.

Before the plane deboarded, staff told all the passengers to get hotel and meal vouchers from staff in the airport. Instead of waiting in a long line for my vouchers, I booked a hotel while still in my seat. I did this because I knew I had already passed the four-hour window for my flight delay insurance to apply. I was now entitled to $250 per day. Since I was already rebooked for a flight out the next morning, I could claim up to the maximum of $500.

Having access to the total amount was a lifesaver. Hotels by the airport were going for about $300 per night. In addition, the connected airport hotel was already fully booked, so I had to reserve something offsite. That meant I needed to take a taxi. The airport meal vouchers offered to me were of little use since most restaurants were closed when I finally got off the plane. Luckily, that didn’t matter since my travel insurance covered meals too.

Ultimately, I spent about $375 to make the best out of a bad situation. Thankfully, I had peace of mind knowing I would be fully reimbursed due to the travel insurance included with my RBC Avion Visa Infinite Card.

The claim process was straightforward. I submitted a claim online and included my original booking receipt, the statement where I charged the flight to my RBC Avion Visa Infinite Card, screenshots of my flight app showing the delay as well as the reason for the delay and photos of all the receipts of my eligible expenses. It took about six weeks before I received a cheque in the mail. It was well worth the wait and it sure beat the alternative of paying out of my pocket or sleeping on the floor in the airport.

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If you want to be like Barry and take advantage of the travel insurance on your credit card, there are several things you should do first before filing a claim:

• Read your credit card benefits guide and insurance policy carefully before booking your flight.
• Understand the coverage minimums and maximums you are afforded and under what circumstances they apply.
• If you believe you may have a viable travel insurance claim, start documenting the incident with photos and screenshots as it occurs so you can prove you’re entitled to coverage.
• Keep all your receipts of relevant expenses to submit with your claim later.
• Arrange any recoverable expenses according to the limitations of your coverage.
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Barry Choi is an award-winning personal finance and travel expert. He regularly appears on various shows in Canada and the U.S., where he talks about all things money and travel. His website, Money We Have, attracts thousands of visitors daily who are looking for the latest stories on travel and money.

2018 Primetime Emmy & James Beard Award Winner

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