The best travel credit cards of 2019

3d ago

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As the Thanksgiving travel season approaches, it’s vital to have the right travel credit card in your purse or wallet so that you’re not missing out on great travel rewards. While there are lots of terrific credit cards for travel out there, the reality is that the best one for you is the one that suits your specific travel needs.

In this guide I’ll review all the details, including bonus offers and perks such as Global Entry fee credits and Priority Pass lounge access, to bring you a list of the very best cards. Remember that travel rewards can add up quickly, especially when a welcome bonus is involved, so it’s important to apply and start earning as soon as you can to start maximizing your points and miles.

Without further ado, here are my top picks:

Best travel credit cards of November 2019

To start our analysis, here are some comparisons of the best travel credit card offers available right now:

Comparing travel credit card offers

Credit Card Best For Travel Rewards Rate Bonus Value* Annual Fee
The Platinum Card from American Express Travel perks 5x on airfare booked directly

5x on airfare and prepaid hotels booked through Amex Travel

$1,200 $550
(see rates and fees)
Chase Sapphire Preferred Card Total value 2x on travel

2x on dining

$1,200 $95
Chase Sapphire Reserve Travel purchases 3x on travel

3x on dining

$1,000 $450
Hilton Honors American Express Surpass Hilton loyalists 12x at Hilton

6x at U.S. restaurants, at U.S. supermarkets and at U.S. gas stations

3x on all other purchases

$900 $95
(see rates and fees)
Virgin Atlantic World Elite Mastercard Virgin Atlantic flyers 3x on Virgin Atlantic

1.5x on all other purchases

$900 $90
Capital One Spark Miles for Business Business travel card 5x on hotels and car rentals through Capital One Travel

2x on all other purchases

$700** $95***
Capital One Venture Rewards Credit Card Hotels.com 10x at Hotels.com

2x on all other purchases

$700 $95***
American Express Gold Card Worldwide dining 4x at restaurants worldwide

4x at U.S. supermarkets (up to $25k per year)

3x on airfare booked directly

$700 $250
(see rates and fees)
American Express Green Card CLEAR membership 3x on travel and transit

3x on restaurants worldwide

$600 $150 (see rates and fees)
Marriott Bonvoy Boundless Credit Card Marriott loyalists 6x at Marriott

2x on all other purchases

$600 $95
United Explorer Card United flyers 2x on United

2x on restaurants

2x on direct hotel bookings

$520** $95***
Bank of America Premium Rewards card Everyday spending 2x on travel

2x on dining

1.5x on all other purchases

$500 $95
Gold Delta SkyMiles Credit Card from American Express Delta flyers 2x on Delta

2x at restaurants worldwide (starting 1/30/2020)

2x at U.S. supermarkets (starting 1/30/2020)

Up to $410 $95***
(see rates and fees)

*Bonus value is an estimated value calculated by TPG and not the card issuer.
**For cards that offer tiered bonuses, if the total spending requirement across multiple tiers is higher than $5,000, the bonus value is only for the lowest spending requirement.
***Annual fee waived the first year.

I’ve done lots of research for you, so let’s take a look at the details of each of these travel credit cards and offers, including their bonus values and some of the ways I’ve been able to put the credit cards’ benefits to use. (Note that the bonus value is an estimated value calculated by TPG and not the card issuer.)

Best Travel Credit Cards

The Platinum Card from American Express

(Photo by Eric Helgas/The Points Guy)

Best travel credit card for travel perks

Current bonus: Earn 60,000 Membership Rewards points after you spend $5,000 on purchases in the first three months (valued by TPG at $1,200).

Standout benefits:

  • Earn 5x points on airfare booked directly with the airline or Amex Travel and prepaid hotels purchased through Amex Travel. You can transfer the Membership Rewards points you earn with this credit card to a total of 20 airline and hotel partners.
  • $200 annual airline rebate for incidental fees
  • Up to $200 in annual Uber credits
  • Up to $100 in credit at Saks Fifth Avenue
  • Up to $100 rebate for the Global Entry or TSA PreCheck application fee once every four years
  • Centurion Lounge access, plus Delta Sky Club access when you’re flying Delta (valued by TPG at $250 annually)
  • Priority Pass lounge membership without restaurant access (valued by TPG at $75 annually)
  • Terms Apply

Annual fee: $550 (see rates and fees)

Why it’s worth it: As you can see, a ton of factors contribute to this credit card’s overall value; it’s not just the 60k bonus that lands it near the top of this list. But even apart from the $200 annual airline fee credit, the $200 in Uber credits awarded each year, the recently added $100 Saks Fifth Avenue credit and the various lounge access options, the Amex Platinum is a stellar premium travel card that can pave the way to some amazing award flights and other redemptions. Among the Membership Rewards program’s 20 travel partners is Singapore Airlines KrisFlyer, which is your only option if you want to book the ultra-premium Singapore Suites using miles. Other highlights include an amazing 5 points per dollar on airfare (equal to a 10% return on these purchases), complimentary Hilton Honors Gold and the ability to add three authorized users for a total of $175 (see rates and fees). See the American Express Platinum review here.

APPLY HERE: Platinum Card from American Express

Chase Sapphire Preferred Card

(Photo by Isabelle Raphael/The Points Guy)

Best travel credit card for total value

Current bonus: Earn 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months (valued by TPG at $1,200).

Standout benefits:

  • Earn 2 points per dollar on travel
  • Earn 2 points per dollar on dining
  • Transfer points to 12 travel partners
  • Redeem points for 1.25 cents a piece through the Chase Ultimate Rewards travel portal
  • No foreign transaction fees

Annual fee: $95

Why it’s worth it: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel rewards, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable annual fee. This travel credit card just increased its sign-up bonus from 50,000 points to 60,000 points, so if you’ve been holding out, you’ve been rewarded for waiting. The $95 annual fee is no longer waived the first year, but based on TPG’s valuations the additional 10,000 points are worth $200, so it’s still an improvement. See the Chase Sapphire Preferred review here.

APPLY HERE: Chase Sapphire Preferred Card

Chase Sapphire Reserve

(Photo by Isabelle Raphael/The Points Guy)

Best travel credit card for travel purchases

Current bonus: Earn 50,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months (valued by TPG at $1,000).

Standout benefits: 

  • Earn 3 points per dollar on travel (excluding $300 travel credit) and dining at restaurants and 1 point per dollar on everything else
  • Redeem points directly through the Ultimate Rewards travel portal at a rate of 1.5 cents apiece
  • $300 annual travel credit
  • Priority Pass Select lounge access (valued by TPG at $99 annually)
  • Up to $100 Global Entry/TSA PreCheck application fee credit
  • No foreign transaction fees
  • Trip cancellation coverage
  • Primary car rental insurance

Annual fee: $450

Why it’s worth it: The Chase Sapphire Reserve won our battle of the premium credit cards for a reason: It offers a stellar selection of perks, from a $300 annual travel credit that can be used toward a wide variety of purchases to the ability to redeem points for 1.5 cents apiece through the Chase travel portal. Best of all, if you have this card, the Ultimate Rewards points you earn on other Chase Credit Cards can also be redeemed at the 1.5-cent rate. You also get an impressive 3x points on travel (after the $300 travel credit is exhausted) and dining purchases, which equates to a 6% return based on my valuations. This credit card is a prime example of benefits more than making up for a steep annual fee. See the Chase Sapphire Reserve review here.

APPLY HERE: Chase Sapphire Reserve

Hilton Honors American Express Surpass

Use your Hilton Surpass card to earn extra points at properties like the Ramses Hilton Cairo. (Photo by Carissa Rawson / The Points Guy)

Best travel credit card for Hilton loyalists

Current bonus: Earn 150,000 Hilton Honors points after you spend $3,000 in purchases on the card within the first 3 months of card membership (valued by TPG at $900). plus a $100 statement credit after your first purchase in the first 3 months. (Offer ends 12/31/2019. Terms Apply.)

Standout benefits: 

  • Earn 12 points per dollar on eligible Hilton purchases
  • Earn 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations
  • Earn 3 points per dollar on everything else
  • Complimentary Hilton Gold elite status
  • Earn a Free Weekend Night after you spend $15,000 on eligible purchases on your card in a calendar year
  • No foreign transaction fees (see rates and fees)

Annual fee: $95 (see rates and fees)

Why it’s worth it: If you’ve been waiting to get Hilton’s primary hotel card, the Hilton Honors American Express Surpass, there literally is no better time than now. That’s because as an exclusive limited-time welcome offer for TPG readers, the card currently comes with not only 150,000 bonus points after you spend $3,000 in the first three months, but also a $100 statement credit just for making your first purchase with the card in the same timeframe. Plus, the card itself is a solid offering for travelers who stay at Hiltons even a few times a year, since it offers an excellent 12x bonus category on spending at Hilton properties — equivalent to a 7.2% return based on TPG’s point valuations — along with complimentary Hilton Gold elite status and a free weekend night after you spend $15,000 in a calendar year on the card.See the Hilton Honors American Express Credit Card review here.

APPLY HERE: Hilton Honors American Express Surpass

Virgin Atlantic World Elite Mastercard

Best travel credit card for Virgin Atlantic flyers

Current bonus: Earn 60,000 Virgin Atlantic miles after you spend $2,000 in purchases within the first 90 days of account opening, 5,000 bonus miles when you add additional authorized users, and 15,000 bonus miles at your card anniversary after you spend $25,000 in purchases in 12 months  (valued by TPG at $900).

Standout benefits:

  • Earn 3 miles per dollar on direct Virgin Atlantic purchases
  • Earn 1.5 miles per dollar on all other purchases
  • Spend $25,000 in purchases annually to qualify for a companion award in the same cabin class when you redeem Flying Club miles for a Virgin Atlantic award ticket
  • Earn 25 tier points toward Virgin Atlantic elite status for every $2,500 in purchases (maximum 50 tier points per month)
  • No foreign transaction fees

Annual fee: $90

Why it’s worth it: Most people get frustrated when they try to use Virgin Atlantic Flying Club miles to fly to the United Kingdom on Virgin Atlantic, and rightly so, since Virgin adds significant carrier surcharges to its transatlantic awards. But the real value in Virgin miles is using them to book on partners, especially for Delta flights. The current up to 80,000-mile bonus is slightly lower than the up to 90,000 miles we’ve seen before on this credit card, but the current offer comes with a much lower and more manageable spending requirement, which should make it a better choice for a lot of folks. And if you’re aiming to earn Virgin Atlantic elite status, the tier points earned from this card can speed you along. See the Virgin Atlantic World Elite Mastercard review here.

APPLY HERE: Virgin Atlantic World Elite Mastercard

Capital One Spark Miles for Business

Best travel credit card for businesses

Current bonus: Earn up to 200,000 Capital One miles: 50,000 bonus miles after you spend $5,000 in the first 3 months, and 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening (valued by TPG at $2,800*).

Standout benefits:

  • Earn 5 Capital One miles per dollar spent on hotel and rental car bookings through Capital One Travel
  • Earn 2 miles per dollar spent on all other purchases
  • Up to $100 credit for a Global Entry or TSA PreCheck application fee
  • Free employee cards
  • No foreign transaction fees

Annual fee: $95 (waived the first year)

Why it’s worth it: If you’re a business looking for a travel credit card, this is your chance to score a great card for all your everyday business purchases and a huge sign-up bonus at the same time. For a limited time, you can get up to a whopping 200,000 bonus miles when you apply for the card and spend $50,000 on it in the first 6 months. That’s a large spending requirement, but entirely feasible for many businesses with significant monthly expenses. Since the card already earns 2x miles on all other purchases, you’ll end up with at least 300,000 miles just from the bonus and $50,000 in minimum spend. Plus, Capital One has just added a new bonus category to the card — 5 miles per dollar spent on hotels and car rentals through Capital One Travel. Finally, Capital One has greatly expanded its mileage program in the last year, adding 15 airline transfer partners, which means you can book premium cabins such as Lufthansa First Class using the miles earned with the Spark Miles card. See the Capital One Spark Miles for Business credit card review here.

APPLY HERE: Capital One Spark Miles for Business

*Bonus value is an estimated value calculated by TPG and not the card issuer.

Capital One Venture Rewards Credit Card

(Photo by Isabelle Raphael/The Points Guy)

Best travel credit card for Hotels.com

Current bonus: Earn 50,000 Capital One miles after you spend $3,000 on purchases in the first three months (valued by TPG at $700*).

Standout benefits:

  • Earn 10x miles on Hotels.com purchases at Hotels.com/Venture
  • Earn 2x miles on all other purchases
  • Get up to a $100 Global Entry or TSA PreCheck application fee credit every four years
  • Transfer your miles to a selection of airline partners at a 2:1 or 2:1.5 ratio

Annual fee: $95 (waived the first year)

Why it’s worth it: The Capital One Venture was already a very strong value proposition with 10x miles at Hotels.com and a Global Entry/TSA PreCheck application fee, but now you can also transfer the miles you earn with this credit card (as well as the VentureOne credit card and Capital One’s two Spark Miles cards) to 15 airline transfer partners including Avianca, Etihad and Singapore Airlines. The transfer ratio is 2:1.5 for 12 partners and 2:1 for two, meaning for every dollar you spend on this card you’re getting 1-1.5 points or miles with a partner airline. This greatly enhances the potential value you can get with this card, as miles are no longer worth a fixed 1 cent apiece.See the Capital One Venture Card review here.

APPLY HERE: Capital One Venture Rewards Credit Card

*Bonus value is an estimated value calculated by TPG and not the card issuer.

American Express Gold Card

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

Best travel credit card for worldwide dining

Current bonus: Earn 35,000 Membership Rewards points after you spend $4,000 on purchases in the first three months (valued by TPG at $700).

Standout benefits:

  • Earn 4 points per dollar at restaurants
  • Earn 4 points at U.S. supermarkets, on the first $25,000 spent each year; then 1x
  • Earn 3 points on flights booked directly with airlines or on amextravel.com
  • Up to $120 in statement credits each year when you pay with the Gold card at participating dining partners
  • Up to $100 annual airline fee credit
  • Terms Apply

Annual fee: $250 (see rates and fees)

Why it’s worth it: Amex revamped its Premier Rewards Gold Card and reintroduced it as the Amex Gold Card, with new bonus categories and a strong focus on dining. With 4x points at restaurants, the card now offers the second-most competitive return on dining spending (8% based on our valuations, compared to 8.5% with the Citi Prestige® Card), and the category has now been expanded to restaurants worldwide. The card also earns 4x points on the first $25,000 spent per year at U.S. supermarkets (up to $25,000, then 1x), and 3x points on select flights. With this credit card, Amex finally has a strong option for dining purchases. The annual fee is now $250 and not waived the first year, but thanks to the new earning rates and benefits, it could be worth it for you. See the American Express Gold review here.

APPLY HERE: American Express Gold Card

American Express Green Card

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

Best travel credit card for CLEAR membership

Current bonus: Earn 30,000 American Express Membership Rewards points after you spend $2,000 in purchases within the first three months (valued by TPG at $600). Plus for a limited time, get up to $100 in statement credits for eligible purchases made directly with Away within the first 3 months (Offer ends 1/15/2020. Terms Apply.)

Standout benefits: 

  • Earn 3 American Express Membership Rewards points per dollar at restaurants worldwide
  • Earn 3 points per dollar for travel (including transit)
  • Earn 1 point per dollar on all other purchases
  • Up to $100 in statement credits per calendar year when you pay for your CLEAR membership with the card
  • Up to $100 in statement credits per calendar year when you use the card to purchase lounge access through LoungeBuddy
  • No foreign transaction fees (see rates and fees)
  • Terms apply

Annual fee: $150 (see rates and fees)

Why it’s worth it: The brand new changes on the Amex Green card bring the card back into the conversation when it comes to top travel credit cards. The mid-tier card offers 3x points on travel and dining purchases, with a broad definition of “travel” that includes common daily transit costs such as taxis, rideshares, subways and more. On top of that, the revamped card comes with up to a $100 annual credit for your CLEAR membership and up to $100 in credits for lounge access purchased with LoungeBuddy, meaning that if you can utilize both those credits in full, you’ve more than covered the $150 annual fee right off the bat. See the Amex Green Card Review here.

APPLY HERE: American Express Green Card

Marriott Bonvoy Boundless Credit Card

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

Best travel credit card for Marriott loyalists

Current bonus: 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Standout benefits: 

  • Earn 6 Marriott Rewards points per dollar at participating Marriott properties
  • Earn 2 points per dollar on all other purchases
  • Complimentary Marriott Bonvoy Silver elite status
  • Earn Marriott Gold elite status if you spend $35,000 on the card in a calendar year
  • Get 15 elite credits toward the next level of status
  • Receive a free award night good for stays costing up to 35,000 points every year after your account anniversary
  • No foreign transaction fees

Annual fee: $95

Why it’s worth it: If you stay at Marriott properties on a regular basis, this is a great time to get this card and score its current welcome bonus of 75,000 Marriott points. Just make sure you’re aware of the card’s complicated application restrictions, which could prevent you from earning the sign-up bonus depending on what Marriott cards you have had in the past or currently have across both the Chase and American Express Marriott card portfolios. See the Marriott Bonvoy Boundless credit card review here.

APPLY HERE: Marriott Bonvoy Boundless Credit Card

United Explorer Card

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Best travel credit card for United flyers

Current bonus: Earn 40,000 MileagePlus bonus miles after you spend $2,000 on purchases in the first 3 months your account is open, plus an additional 25,000 bonus miles after you spend $10,000 total in purchases in the first 6 months.

Standout benefits:

  • Earn 2 United MileagePlus miles per dollar spent on United purchases
  • Earn 2 miles per dollar spent at restaurants
  • Earn 2 miles per dollar spent on hotel bookings made directly with the hotel
  • Earn 1 mile per dollar spent on everything else
  • Free first checked bag for you and a companion when flying United
  • Priority boarding on United-operated flights
  • 2 United Club one-time passes after account opening and on each anniversary
  • 25% back on United inflight purchases
  • Up to $100 Global Entry/TSA PreCheck application fee credit
  • No foreign transaction fees

Annual fee: $95 (waived the first year)

Why it’s worth it: The United Explorer Card was revamped last year to include several bonus categories beyond just purchases on United Airlines, which now makes it more feasible to use as a primary card for United flyers. But the real value is in the card’s perks. When flying United, you’ll get a free checked bag for both yourself and a companion, so if you fly United even once a year, that perk alone can make up for the card’s annual fee. The two one-timeUnited Club passes are also a sweet benefit, allowing even occasional United flyers to visit the lounge before their flight. And if you’re a true United road warrior, you’ll save a lot more with the card’s 25% discount on inflight purchases, which even includes Wi-Fi. See the United Explorer credit card review here.

APPLY HERE: United Explorer Card

Bank of America Premium Rewards

Best travel credit card for everyday spending

Current bonus: Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening (valued by TPG at $500).

Standout benefits:

  • Earn 2 points for every dollar spent on travel and dining purchases
  • Earn 1.5 points for every dollar on everything else
  • Bank of America Preferred Rewards elites earn an additional 25%-75% points on every purchase
  • $100 Airline Incidental statement credit annually for qualifying purchases
  • Up to $100 Global Entry/TSA PreCheck application fee credit

Annual fee: $95

Why it’s worth it: You might not think of the Bank of America Premium Rewards card as a typical travel credit card, since the points it earns can’t be transferred to travel partners but rather are redeemable at 1 cent apiece for cash, gift cards or by booking travel at the Bank of America travel portal. But it can potentially be a valuable option for your purse or wallet as an everyday spending card. Its basic earning rates are reasonable, but where the card really shines is if you’re able to participate in Bank of America’s separate Preferred Rewards program. Reach the top Platinum Honors tier in Preferred Rewards and you’ll earn a 75% bonus on each purchase you make with this card, bringing the earning rate on travel and dining expenses to an impressive 3.5x points per dollar and the everyday earning rate on all other purchases to a market-leading 2.625x points per dollar. See the Bank of America Premium Rewards credit card review here.

APPLY HERE: Bank of America Premium Rewards

Gold Delta SkyMiles Credit Card from American Express

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Best travel credit card for occasional Delta flyers

Current bonus: 30,000 bonus miles after you use your new card to make $1,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months. Terms apply.

Standout benefits: 

  • Get a first bag checked for free on Delta flights
  • Priority boarding
  • 20% off inflight purchases
  • Earn 2x miles on Delta purchases, and 1 mile per dollar on everything else
  • Starting 1/30/2020, earn 2x miles at restaurants and U.S. supermarkets
  • Starting 1/30/2020, earn a $100 Delta flight credit after spending $10,000 in a calendar year
  • Terms apply

Annual fee: $95 (waived the first year, increasing to $99 in 2020; see rates and fees)

Why it’s worth it: The Gold Delta SkyMiles Amex could definitely be worth a look if you want to enjoy some freebies like a checked bag and a discount on inflight purchases when you travel on Delta. Plus, American Express recently announced that the card will be getting some new benefits in January 2020, including 2x points on both restaurants and at U.S. supermarkets, and a $100 Delta flight credit when you spend $10,000 on the card in a calendar year. Add those perks together with the 30,000-mile welcome bonus and a waived annual fee for the first year, and it’s a good time to consider this card. See the Gold Delta SkyMiles Credit Card review here.

APPLY HERE: Gold Delta SkyMiles Credit Card from American Express

How we choose the best travel credit cards

I reviewed numerous travel credit card offers and spent countless hours studying the pros and cons of each offer. My method for assigning value to these credit cards relied on assessing the real value of the sign-up bonus, travel perks, APR, annual fees, redemption difficulty and more. Each points program has its own point valuation, which you can study here. The value of each individual type of point will always be a vitally important factor when rating travel credit cards and their promotional offers.

Things to consider before applying:

As always, head to the all cards hub to see our best credit cards currently available.

What are the advantages of a travel credit card?

Travel credit cards are a great way to earn rewards that allow you to travel the world for less money — or even practically for free — simply by using a credit card to buy the same daily items you’d otherwise buy with cash or a debit card. With certain travel credit cards, you can also get perks to use while traveling, which include everything from airport lounge access and hotel elite status to free airline companion certificates and discounts or credits on your travel purchases.

What types of travel credit cards are out there?

There are two main types of travel credit cards. The first are travel credit cards that earn a specific type of airline miles or hotel points. These are sometimes known as cobranded credit cards because they usually have the name of the airline or hotel on the card. Examples of cobranded travel credit cards include the Southwest Rapid Rewards Priority Credit Card and the Hilton Honors American Express Surpass Card, among many others.

The second type of travel credit card are the ones that earn flexible travel points. Generally these points can then be redeemed either directly for purchases you make through a travel portal like Amex Travel, or they can be transferred to many different airline or hotel programs. Examples of these types of cards include the Chase Sapphire Preferred and the Capital One Venture Rewards card, among others.

How much is a point or mile worth on a travel credit card?

Every type of airline, hotel and flexible bank point and mile is worth a different amount, so you can’t assume that a 50,000-point bonus on one card is equivalent to a 50,000-point bonus on another. That’s why The Points Guy maintains a guide to point and mile valuations, which explains how much each type of points and miles are worth for all the major programs. You can use those valuations to determine how much a sign-up bonus is actually worth, or even a bonus category.

For instance, Amex Membership Rewards are worth 2 cents each based on TPG’s valuations, which means the 60,000-point bonus on the Amex Platinum is worth $1,200. That’s because 60,000 x 2 cents = $1,200. And since that card earns 5 points per dollar on airfare, you can also determine that each dollar you spend on airfare will get you 10 cents back in points, because 5 points x 2 cents = 10 cents.

How do I choose a travel credit card?

With so many travel credit cards on the market, there are a ton of options and it’s important to ask yourself what credit card benefits would best meet your travel goals. If you fly multiple times a year on Delta and pay to check a bag every time you fly, you should strongly consider getting a Delta credit card that waives the fee for your first checked bag every time you fly on the airline. That perk would save you from paying the $30 fee every time you fly, and would quickly make up for the annual fee on the card.

On the other hand, if you only fly occasionally and aren’t exclusive to one airline, you might be better off with a flexible travel credit card that doesn’t offer perks on any one airline, but that earns points or miles that can be redeemed across a variety of different airlines, such as the Chase Sapphire Preferred. And if you’re a road warrior who flies every week, you’ll want to think about a premium travel credit card that offers lots of travel perks, such as the Amex Platinum with airport lounge access and hotel elite status.

Final notes on ranking travel credit cards

As you can see, the bulk of the value comes from the bonus itself — I used my latest valuations to calculate a dollar amount for each offer. From there, I added in the value of perks such as annual travel credits and lounge access. For instance, for the Platinum Card from American Express, which offers Centurion Lounge access plus Delta Sky Club access when you’re flying Delta, I assigned a value of $250 for these perks, not including the value of Priority Pass access. But for the Delta Reserve® Credit Card from American Express, which won’t provide Centurion Lounge access until the end of January 2020, I only assigned a value of $100 for the current Sky Club access when flying Delta. I also didn’t include a value of any of the other new benefits of the revamped Delta cards, since they aren’t in effect until January.

While I haven’t added in the value of Priority Pass lounge access and a Global Entry/TSA PreCheck application fee credit in the past, we now factor these into a card’s total value, as not everyone has multiple cards that confer these benefits. We peg the value of the Global Entry/TSA PreCheck credit at its face value of $100. That’s the application fee for Global Entry; PreCheck costs $85, but applying for Global Entry is the way to go since it includes PreCheck as well. And don’t forget: If you already have Global Entry and PreCheck, you can use your credit card’s application fee credit to gift it to someone else.

The value of Priority Pass lounge access is a bit more complicated, especially now that American Express-issued cards with this benefit no longer get access to the lounge’s networks restaurants, where you can get $28-$30 worth of food and drink per visit. I’m pegging Priority Pass Select membership with restaurant access at the purchase price of $99, and Priority Pass Select membership without restaurant access at $75.

Finally, in the case of cards offering tiered bonuses, if the total spending requirement across multiple tiers is higher than $5,000, I’ve focused on the value you’d get by meeting the lowest spending requirement.

Related credit card guides

For rates and fees of the Amex Platinum Card, please click here.
For rates and fees of the Hilton Surpass Card, please click here.
For rates and fees of the Amex Green Card, please click here.
For rates and fees of the Amex Gold Card, please click here.
For rates and fees of the Gold Delta Amex, please click here.


This is The Points Guy’s permanent page for the best travel credit cards, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.

Capital One® Spark® Miles for Business

LIMITED TIME OFFER: Earn up to 200,000 bonus miles with this business card, plus 5x miles on hotels and car rental booking through Capital One Travel, and 2x miles on all other purchases.

Apply Now
More Things to Know
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro APR on Purchases
N/A
Regular APR
18.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee
N/A
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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.