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8 of the best credit cards for general travel purchases

Sept. 10, 2022
16 min read
Park Hyatt St. Kitts
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While we’d all love to be able to book every trip using only points and miles, once in a while, we have to break down and actually pay cash for a flight, hotel, rental car, or other travel expense.

But if we can’t burn miles on a trip, we should at least be certain that we’re earning them, and preferably as many as possible. Alternatively, if a travel expense can be reimbursed via a travel or airline fee credit, that can effectively offset the cost of the trip even better than any loyalty currency.

So which credit card should you use for your travel purchases? We’ve already put together separate lists of the best ones to use for booking flights and hotels, but today we’re looking at the best ones for all other types of travel spending. Think: car rentals, cruises, tours, ridehailing services and trips booked through third-party travel websites like Expedia and Priceline).

The best credit cards for travel spending

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

Chase Sapphire Reserve®

THE POINTS GUY

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 in the first three months from account opening.

Rewards: 3 points per dollar on travel (excluding $300 travel credit) and dining at restaurants and 1 point per dollar on everything else.

Annual fee: $550.

Analysis: There’s a ton of value to be had from the Chase Sapphire Reserve when it comes to travel purchases. The card comes with a $300 travel credit that can be used for many different expenses, and it also includes travel as a 3 points per dollar spent bonus points category (along with dining; 1 point on all other purchases).

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If that isn’t generous enough, Chase has made the travel category rather broad for this card, so not only will you be able to get 3 points per dollar for purchases at airlines and hotels, you’ll also receive it for using the card at online travel agencies such as Expedia and Orbitz, as well as on trains, buses, taxis and cruises. You’ll even get the bonus points at toll booths and parking lots. Plus, all of your travel purchases made with this card are covered by industry-leading travel protections.

In August 2021, the card introduced additional bonus categories as follows:

It still earns 3 points per dollar on other travel and dining purchases.

But the cherry on top is the 1.5 cents per point you get when redeeming these points through the Ultimate Rewards travel portal. That’s the best-guaranteed redemption on any personal credit card on the market. The points are also transferable to Chase’s many airline and hotel partners, so you can also use them for standard loyalty program awards that might otherwise be quite expensive.

When you consider all the benefits of this travel credit card, the Chase Sapphire Reserve is a top choice to use on travel purchases this year, despite its pricey $550 annual fee. See our card review for more details.

Related: Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Apply here: Chase Sapphire Reserve

American Express® Green Card

ERIC HELGAS/THE POINTS GUY

Welcome bonus: 45,000 Membership Rewards points after using your new card to make $2,000 in purchases in your first six months of card membership.

Rewards: 3 points per dollar spent on worldwide travel, transit and restaurants and 1 point per dollar on everything else.

Annual fee: $150 (see rates and fees).

Analysis: The Amex Green is a great mid-tier card for travel purchases. This card's bonus categories include a wide range of travel purchases, including transit and short-term vacation rental website purchases on top of traditional airfare and hotel spending. The card also offers an up to $189 Clear membership credit and an up to $100 LoungeBuddy credit. See our card review for more details.

Related: What counts as travel on the Amex Green card?

Apply here: American Express Green Card

Citi Premier® Card

JOHN GRIBBEN/THE POINTS GUY

Sign-up bonus: Earn 80,000 bonus ThankYou Points after you spend $4,000 in purchases within the first three months of account opening.

Rewards: 3 points on per dollar spent on air travel, hotels, gas stations, restaurants and supermarkets, and 1 point per dollar spent on all other purchases.

Analysis: With a $95 annual fee, Citi’s mid-level Premier Card doesn’t cost much to keep in your card collection, but it’s got awfully nice 3 points per dollar spent categories of its own.

Once you’ve earned ThankYou points with this card, you’ll have the option to transfer points to Citibank’s travel partners, which aren’t quite as strong as its competitors but do have some sweet spots, like with Avianca LifeMiles as an airline partner. See our card review for more details.

Apply here: Citi Premier® Card

Chase Sapphire Preferred® Card

JOHN GRIBBEN/THE POINTS GUY

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Rewards: 2 points per dollar spent on travel purchases (increases to 5 points per dollar spent on travel booked through the Chase portal).

Annual fee: $95.

Analysis: After all the excitement about the Chase Sapphire Reserve, it’s easy to forget its little sibling. But the Chase Sapphire Preferred is still here, and with just a $95 annual fee, it’s a very attractive option for regular travelers.

Like the Chase Sapphire Reserve, this card introduced new bonus categories in August 2021:

It earns 2 points per dollar on other travel purchases.

You’ll only get 1.25 cents per point for direct travel redemptions with this card. Still, Ultimate Rewards points continue to be extremely valuable when transferred to partners such as United and Hyatt, and these earning rates cannot be beat. The card also offers a $50 annual credit on hotel stays purchased through Ultimate Rewards and 10% of your points back each year based on your card spending. The 10% is based on a rate of 1 point per dollar you spend throughout the year (not including bonus points from specific categories).

Finally, the Sapphire Preferred also provides primary car insurance when you’re renting vehicles, which is a fantastic benefit if you don’t want to rely on your own personal auto insurance to cover you and drive up your premiums if an accident happens, as well as other travel protections such as trip delay insurance and trip cancellation insurance. See our card review for more details.

Apply here: Chase Sapphire Preferred Card

Bank of America® Premium Rewards® credit card

JOHN GRIBBEN/THE POINTS GUY

Sign-up bonus: Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.

Rewards: 2 points per dollar on travel and dining purchases and 1.5 points per dollar on everything else.

Annual fee: $95

Analysis: At first glance, Bank of America’s entry into the travel rewards market might not seem that exciting. The Bank of America® Premium Rewards® credit card earns a respectable 2 points per dollar on both travel and dining and 1.5 points per dollar on all other purchases, but there are no transfer partners with this card. Instead, you can redeem your points for a statement credit, a bank deposit, gift cards or travel booked directly at a rate of 1 cent per point.

However, the real value of this card comes when you combine it with Bank of America’s Preferred Rewards banking program. Depending on how many assets you maintain at Bank of America and Merrill Lynch — including checking accounts, savings, retirement, investment portfolios and the like — you’ll earn one of three status tiers in the Preferred Rewards program, which translates to higher earning rates with the Premium Rewards card.

At the highest Platinum Honors tier, the normal 2 points per dollar spent on travel turns into 3.5 points and the everyday earning rate on this card becomes 2.625 points instead of 1.5 points. With those returns, the Premium Rewards credit card is definitely one to consider for travel purchases.

Plus, you’ll get an up to $100 TSA PreCheck/Global Entry application fee credit and an up to $100 annual airline incidental statement credit for qualifying purchases. See our card review for more details.

Apply here: Bank of America Premium Rewards

The Platinum Card® from American Express

WYATT SMITH/THE POINTS GUY

Welcome bonus: Earn 80,000 Membership Rewards points after spending $6,000 on purchases in your first six months of card membership.

Rewards: 5 points per dollar on airfare purchased directly with the airlines or booked with American Express Travel on up to $500,000 on these purchases per calendar year.; 5 points per dollar on prepaid hotels booked with American Express Travel

Annual fee: $695 (see rates and fees)

Analysis: While The Platinum Card from American Express hasn’t necessarily been a great card for general travel purchases, since it doesn’t have travel as a bonus category, it does offer a terrific return for two of the most popular types of travel spending — airfare and hotels.

Earning 5 Membership Rewards points per dollar spent when booking tickets directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year) and 5 points per dollar spent on prepaid hotels booked with American Express Travel represents great value.

Add to that an up to $200 annual airline fee statement credit, up to $200 per calendar year in Uber Cash, an up to $100 Saks Fifth Avenue statement credit and a plethora of travel perks such as unparalleled airport lounge access, automatic elite status with Hilton and Marriott, complimentary memberships with Hertz Gold Plus Rewards, Avis Preferred and National Car Rental Emerald Club Executive and a Global Entry/TSA PreCheck application fee credit (up to $100), and it’s clear why this card belongs on this list. Enrollment required for select benefits. See our card review for more details.

Enrollment is required for select benefits.

Apply here: Platinum Card from American Express

Capital One Venture Rewards Credit Card

WYATT SMITH/THE POINTS GUY

Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Rewards: Earn 2 miles per dollar spent on every purchase.

Annual fee: $95.

Analysis: Ease of use is the name of the game for the Capital One Venture Rewards Credit Card. Earn 2 miles per dollar on virtually every purchase, including all your general travel expenses.

The Capital One Venture also allows you to redeem miles for a fixed value or transfer the miles you earn to airline and hotel transfer partners, including Avianca, Etihad, Turkish Airlines and Singapore Airlines. Most Capital One partners transfer points at a 1:1 ratio.

In addition, Capital One is opening a network of airport lounges, starting with Dallas-Fort Worth International Airport (DFW). With the Capital One Venture, you'll receive two complimentary visits annually and will have access to a special entry rate of $45 per visit after that. Finally, it’s the one card The Points Guy himself, Brian Kelly, can’t live without. See our card review for more details.

Apply here: Capital One Venture Rewards Credit Card

Capital One Venture X Rewards Card

JOHN GRIBBEN/THE POINTS GUY

Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Rewards: 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights booked through Capital One Travel, and 2 miles per dollar spent on all other purchases.

Annual Fee: $395

Analysis: Capital One's premium travel rewards card is an exciting one. The Capital One Venture X Rewards Credit Card gives you up to a $300 annual travel credit for travel booked through Capital One Travel, an up to a $100 Global Entry or TSA PreCheck credit and 10,000 bonus miles on each anniversary.

Additionally, Venture X cardholders receive complimentary access to the new Capital One Lounges, as well as Priority Pass and Plaza Premium lounges. The card also offers travel protections such as trip cancellation and interruption insurance, trip delay reimbursement and rental car insurance.

With a significantly lower annual fee than some of its competitors, the Venture X provides some excellent travel perks that make it a worthy addition to a traveler's wallet. See our card review for more details.

Apply here: Capital One Venture X Rewards Credit Card

Bottom line

Since so many credit cards focus on travel, there are many great options for purchases, and you can’t go wrong with any of these cards.

Whether your interest is points and miles or using up travel credits, this list has the pick of the litter.

So the next time you find yourself facing a significant travel expense — or even a minor one — make sure you know which card to use.

Related guides

Additional reporting by Emily Thompson, Julian Kheel and Chris Dong.

For rates and fees of the Platinum Card, please click here.
For rates and fees of the Amex Green card, click here.

Featured image by Park Hyatt St. Kitts (Photo by Zach Griff/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
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

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    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 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023