The best starter travel credit cards of 2020

Aug 2, 2020

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Editor’s note: This is a recurring post, regularly updated with new card details and information. 


The world of credit cards can seem overwhelming when you’re just getting started. With so much information and so many options, how do you know which card to choose? Do you want transferable points? Airline miles? Free nights at a hotel chain? Or maybe even miles you can turn into statement credits?

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Analysis paralysis and decision fatigue can really hold you back at the beginning. The key to picking the right card is to start by setting your travel goals. We may not be traveling now, but it’s still a great time to start planning. Is your dream trip an international destination like Italy or a backpacking adventure to Patagonia? Are you comfortable traveling in economy or do you want to fly longhaul in a premium cabin? Is the hotel important to you or are you planning to spend most of your time outside your room?

The Torres del Paine mountains, Patagonia, Chile. (Photo by MBPROJEKT_Maciej_Bledowski / Getty Images)
The Torres del Paine mountains in Patagonia, Chile. (Photo by MBPROJEKT_Maciej_Bledowski / Getty Images)

There are no right or wrong answers to these questions — it’s all about what’s important to you. You may even change your mind as you gain experience in the world of points and miles, but once you’ve made your decisions you can start matching your answers to the right card.

We’ve put together this list of the best starter credit cards so you don’t end up with loyalty points that don’t match your goals. We also kept simplicity in mind when compiling this list — none of these cards are tied to complicated, difficult-to-understand programs, nor do they have intimidating annual fees, and all of them are potentially worth keeping in your credit card inventory for the long term.

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Best starter travel rewards credit cards

 

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Comparing the best starter travel rewards credit cards

Here are the key details of the best starter travel rewards credit cards, including the welcome bonuses and the key earning features.

Card Bonus Minimum Spend Bonus Categories
Chase Sapphire Preferred Card 60,000 points $4,000 on purchases in the first three months 2x points on travel and dining
Capital One® Venture® Rewards Credit Card 50,000 miles $3,000 on purchases in the first three months 2x miles on all purchases
American Express® Green Card 30,000 points $2,000 on purchases in the first three months 3x on eligible travel, dining and transit
Citi Premier℠ Card 60,000 points $4,000 on purchases in the first three months 3x points on travel, 2x on dining and entertainment; new rewards structure coming August 2020
Wells Fargo Propel American Express® card 20,000 points $1,000 on purchases in the first three months 3x on travel, dining, gas stations and select streaming services
Delta SkyMiles® Gold American Express Card 35,000 points $1,000 on purchases in the first three months 2x on Delta purchases, restaurants and U.S. supermarkets (Terms Apply)

The information for the Citi Premier and Wells Fargo Propel cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Don’t forget about Chase’s 5/24 rule

Before we start diving into the individual benefits that make each of these cards so compelling, it’s worth talking about the elephant in the room: Chase’s 5/24 rule. According to this rule, Chase will automatically reject your application if you’ve opened five or more cards in the last 24 months across all issuers (although most business cards don’t count towards your total).

Because of this restriction, conventional wisdom is to start by using up your five slots with Chase before moving on to other issuers. When you’re just starting out with travel rewards it can be easy to underestimate the importance of this rule, but Chase offers some of the most valuable travel rewards cards on the market, and if you don’t get them first you might not be able to get them later.

There are a number of times when it makes sense to ignore the 5/24 rule and set off in a different direction, but it’s not a decision you should make lightly. Unless you have a very good reason for looking elsewhere, you should probably start with a Chase card first. And there aren’t many better choices than the Chase Sapphire Preferred.

Related: What to do after you reach 5/24 

Chase Sapphire Preferred Card

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $95

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

Why it’s a great starter card: There’s a good reason the Chase Sapphire Preferred tops our list of starter cards: It comes with a great sign-up bonus, earns 2x points on travel and dining at restaurants, and the Ultimate Rewards points it earns are easy to use with top airline and hotel programs such as United and World of Hyatt. Your points can also be redeemed for 1.25 cents apiece to book flights or rooms at any airline or hotel through the Ultimate Rewards travel portal.

The card also comes with terrific travel benefits, including primary insurance when you rent a car and no foreign transaction fees. Couple it all with an annual fee of only $95, and you’ve got a card that offers great value, especially if you’re just starting out in the world of travel rewards. For all these reasons, the Chase Sapphire Preferred was named the Best Travel Rewards Card at the 2019 TPG Awards.

Check out our full review of the Chase Sapphire Preferred Card

Capital One® Venture® Rewards Credit Card

(Photo by Eric Helgas for The Points Guy)

Annual fee: $95

Sign-up bonus: 50,000 miles after you spend $3,000 in the first three months of account opening.

Why it’s a great starter card: The Capital One Venture Rewards earns 2 miles per dollar on all purchases. You can redeem your miles for a fixed value on travel, or you can transfer them to airline programs. It’s possible to get outsized value from using transfer partners, but beginners may be more comfortable redeeming for a fixed value and Capital One makes that process incredibly simple. Still, this hybrid approach is fairly unique in the credit card world, and Capital One keeps adding new transfer partners to make this program more valuable. And the Venture just happens to be the favorite card of The Points Guy himself!

There are no foreign transaction fees on this card.

Check out our full review of the Capital One Venture Rewards card.

American Express® Green Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $150 (see rates and fees)

Welcome offer: 30,000 points after you spend $2,000 in the first three months of account opening.

Why it’s a great starter card: The revamped Amex Green may come with the highest annual fee on this list but it also packs the most punch. In addition to earning an amazing 3x across travel, dining and transit purchases, you’ll also get an up to $100 statement credit for your Clear membership and an up to $100 statement credit for LoungeBuddy purchases. The Amex Green earns valuable Membership Rewards that give you access to a wide range of hotel and airline partners. Although the welcome bonus isn’t anything to write home about, you can still get a lot of value from 30,000 points. When travel resumes, this will be an incredibly valuable card for beginners. 

Check out our full review of the American Express Green card.

Citi Premier℠ Card

Gas is considered “travel” on the Citi Premier and purchases earn 3x ThankYou points. (Photo by PhotoAlto/James Hardy via Getty Images)

Annual fee: $95

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

Why it’s a great starter card: The beauty of the Citi Premier Card is its bonus categories. Effective August 23, 2020, the card will earn 3x points per dollar on air travel and hotels, restaurants, gas stations and supermarkets and 1x everywhere else, helping you to rack up lots of ThankYou points in no time. When it comes to spending those points, you can transfer them to any of 15 airline partners. The card comes with no foreign transaction fees and a $95 annual fee.

Related: The best Citi credit cards of 2020

Wells Fargo Propel American Express® card

(Photo by The Points Guy)
(Photo by The Points Guy)

Annual fee: $0

Sign-up bonus: 20,000 points after you spend $1,000 in the first three months.

Why it’s a great starter card: The Wells Fargo Propel earns straightforward rewards on a variety of expenses. You’ll get 3x on dining (both eating out and ordering in), travel (including airfare, hotels, homestays and car rentals), gas stations, transit (including ride-hailing) and popular streaming services, all redeemable through Wells Fargo’s Go Far Rewards portal. Quite a list for no annual fee, right? Propel points aren’t quite as valuable as Chase or Amex points, but they do offer simplicity. Beginners don’t have to worry about maximizing redemption strategies or digging into transfer partner programs (both of which can be a bit intimidating if you’re just starting out).

Related: The best Wells Fargo credit cards of 2020

Delta SkyMiles® Gold American Express Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $99, waived the first year (see rates and fees)

Welcome offer: 35,000 points after you spend $1,000 in the first three months of account opening.

Why it’s a great starter card: The Delta SkyMiles Gold card is a great option for beginners. Although your miles should only be used on Delta flights, you can often find great deals on flights if you have a stash of Delta miles. Over the past year, Delta has offered some great flash sales and redemption options. Right now, you won’t find many deals since Delta isn’t operating its full schedule (and nonessential travel is on hold), but saving up miles now could mean a great redemption later. Of course, the card also comes with nice perks such as first checked bag free, priority boarding and the opportunity to earn a $100 flight credit when you spend $10,000 in a calendar year on the card.

Check out our full review of the Delta SkyMiles Gold American Express card.

How to choose the right starter travel card for you

There is no one-size-fits-all travel card. With so many great options, it can be hard to decide which card (or cards) to get to begin building your credit card portfolio. Make sure you’re choosing a card that fits your spending habits, travel goals and budget.

Start by taking inventory of what categories you spend the most money on each month.

Do you live in a large city where transit and dining typically make up the majority of your monthly spending? Then consider cards like the Citi Premier or Amex Green Card that offer rewards across those categories. From there, narrow your options based on your travel goals. Do you want the option to transfer points to partners? Then the Premier and Green are the better options. Do you want to travel internationally more than a couple of times a year? In that case, the Green’s annual statement credits paired with its more valuable transfer partner list make the most sense. Last, consider your budget. If you don’t think you’ll get more than $150 in value from the Amex Green every year, maybe the Premier’s lower $95 annual fee is a nice compromise between your travel goals and budget.

At the end of the day, it’s all about considering which cards will give you the most value each year, either through earned rewards, perks or a mix of both.

Related: Why there’s no such thing as the ‘best’ credit card

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

Most travel credit cards require good-to-excellent credit, meaning you’ll want a score over 650, at least. A 700+ score is ideal. That’s not to say that you won’t be approved if your score isn’t that high, but it is a good rule of thumb when you consider applying for a credit card.

The cards on this list are a bit easier to be approved for than luxury cards like The Platinum Card® from American Express or the Chase Sapphire Reserve, but you’ll still need to have established credit and a good score to have the best chance of getting approved.

If you don’t currently have a credit score, you’ll want to build credit with a beginner card, a secured card or by becoming an authorized user on someone else’s card. If your credit score is less than stellar, it’s a good idea to take the necessary steps to improve your score before applying for a travel rewards credit card.

Related reading: What credit score do I need for the Chase Sapphire Preferred? 

Bottom line

With so many travel rewards cards out there, choosing which one to apply for might seem overwhelming. But you can’t go wrong with any of the choices on this list. So make your travel goals for the year, then use this guide to pick the right card.

Featured photo by Artur Debat/Getty Images.

Additional reporting by Nick Ewen.

For rates and fees of the Amex Green, please click here.
For rates and fees of the Delta SkyMiles Gold card, please click here.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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