Are you looking to travel the world but on a budget? If so, getting a travel rewards credit card is
an excellent option to get the best deals on hotel stays, flights and other such travel expenses.

Travel rewards credit cards are credit cards with rewards and benefits for travel-related
expenses. You can earn rewards by using the card to make various purchases and then
redeem them for travel expenses. These also include travel benefits like airport lounge access
and travel insurance.

6 credit cards to help you collect maximum travel – related rewards:

1) Chase Sapphire Preferred

The Chase Sapphire Preferred offers 3x points on dining and travel purchases and 1x points on
all other purchases. It does not stop here. If you use this card to book flights or hotels, you can
earn 5x points per dollar spent and 2x for Uber, Airbnb, train tickets, etc. Other benefits include
trip cancellation/interruption and baggage damage insurance, auto rental collision damage
waiver, trip delay reimbursement and more.
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Highlights

● Minimum credit score: 670
● Minimum credit limit: $5,000
● APR: 20.74%–27.74% variable
● Annual Fee: $95
● Foreign Transaction Fees: 0%

2) Capital One Venture Rewards

Capital One Venture Rewards has a simple, straightforward rewards program with no annual
fees. You’ll earn 1.25 miles per dollar on purchase and 5 miles on booking hotels and rental
cars. You can also transfer your miles to partner airlines and hotels, giving you even more
flexible options for your rewards.

Earn 20,000 bonus points once you spend $500 on purchases within the first 3 months from
account opening.

Highlights

● Minimum credit score: 670
● Minimum credit limit: $5,000
● APR: 0% APR for the first 15 months. After that, it will be 19.74%, 25.74% or 29.74%
● Annual Fee: $0
● Foreign Transaction Fees: 0%

3) American Express Gold Card

The American Express Gold Card offers 4x points at U.S. supermarkets, 3x points on flights
booked directly with airlines or through amextravel.com, and 1x points on all other purchases.
You’ll also receive a $120 dining credit each year. Additionally, you get a $100 credit and 2x
membership reward every time you book a prepaid stay of at least two consecutive nights at Amex Hotel properties. The card also covers car rental and damage loss, trip delay and baggage insurance.

Highlights

● Minimum credit score: 670
● Minimum credit limit: Will be informed at the time of application
● APR: 20.74% to 28.74%
● Annual Fee: $250
● Foreign Transaction Fees: 0%

4) Chase Freedom Unlimited

The Chase Freedom Unlimited credit card has great features but no annual fee. Their cash-
back offers include 5% on travel and 3% on dining and drugstore purchases. There is no expiry
date on cash-back redemption as long as your bank account is functional. Earn a $200 bonus
after you spend $500 on purchases in the first 3 months from account opening.

Highlights

● Minimum credit score: 670
● Minimum credit limit: $500
● APR: 0% APR for 15 months. Post that, the APR will be between 19.74% to 28.49%.
● Annual Fee: $0
● Foreign Transaction Fees: 3%

5) Citi Premier

The Citi Premier card offers 3x points on travel (including . gas stations), points on dining,
supermarkets and travel and 1x points on all other purchases. The credits on hotel and car
rental bookings are 10x, making this one of the highest reward points*. If your hotel stay bill is
$500 or more (excluding taxes and fees), you get $100 off once every year.
Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening. You
can either redeem the points for $750 in gift cards or travel rewards at thankyou.com.

Highlights

● Minimum credit score: 670
● Minimum credit limit: $2,000
● APR: 20.74% – 28.74% (Variable)
● Annual Fee: $95
● Foreign Transaction Fees: 0%
*The offer is valid till June 30, 2024

6) Discover it Miles

The Discover it Miles card is another good choice for those who want a flexible rewards
program. You’ll earn 1.5x miles on all purchases, and at the end of your first year, Discover will
match all the miles you’ve earned. You can redeem your miles for travel purchases made with
the card or use them for cash back through a direct deposit. It gives you the option to spend that
money later on travel.

Highlights

● Minimum credit score: 670
● Minimum credit limit: $500
● APR: 0% APR for the first 15 months. Post that, it will be between 16.74% – 27.74%
● Annual Fee: $0
● Foreign Transaction Fees: 0%


Our Top 2 Picks

1) Chase Freedom Unlimited:

This is a one-card wallet, with high cashback rates on most
spending. It also offers a 0% intro APR for balance transfers and big purchases. One of
its standout features is the lack of minimum redemptions, allowing cardholders to
redeem even small amounts of cash back (as little as $0.01). Plus, with no annual fee,
this card can be a cost-effective way to earn rewards while building credit.

2) Discover It:

This is the best option if you are a student with a minimum credit limit of
$500, this card provides some clarity for those who may not qualify for higher limits. On
top of that, the card offers several great features, such as a $0 annual fee and 5% cash
back on up to $1,500 spent in quarterly rotating categories (1% on all other purchases).
Plus, if you happen to miss a payment, the card waives the late fee for your first offence.

How to Make a Wise Choice

● Opt for a card that matches its rewards with your expenses.
● Consider the value, spending requirements, and expiration dates of the sign-up bonus.
● Evaluate annual fee against received benefits
● Check for foreign transaction fees
● Look for a card with a lower interest rate
● Check credit score requirements before applying to avoid unnecessary inquiries

Quick Tips to Get The Best of Travel Rewards

● Sign-up bonus: Remember the specified timeframe and redeem before it expires
● Bonus categories: Use cards for purchases in categories that offer maximum bonus
rewards
● Redeem rewards wisely: Read every redeemable option and get the best value
● Take advantage of travel perks: Use perks like airport lounge access or free checked
bags
● Use multiple cards: Consider using multiple cards to maximize rewards in different
categories
While credit cards can be beneficial, it’s essential to use them responsibly to avoid falling into
debt. Ensure that your expenditure meets with what you afford to pay back each month. The
healthy practice is to pay your balance in full, stay within your budget, and pay your bill on time.
You can do so by setting up automatic payments and monitoring your credit score regularly.
Using your credit card responsibly can help build credit while enjoying rewards. However,
remember that high-interest rates, fees, and late payments can lead to debt and financial
trouble.
Please Note: Read the fine print before you apply. The travel rewards and benefits may vary
with time.Earn 20,000 bonus points once you spend $500 on purchases within the first 3 months from
account opening.
● Minimum credit score: 670
● Minimum credit limit: $5,000
● APR: 0% APR for the first 15 months. After that, it will be 19.74%, 25.74% or 29.74%
● Annual Fee: $0
● Foreign Transaction Fees: 0%
3) American Express Gold Card
The American Express Gold Card offers 4x points at U.S. supermarkets, 3x points on flights
booked directly with airlines or through amextravel.com, and 1x points on all other purchases.
You’ll also receive a $120 dining credit each year. Additionally, you get a $100 credit and 2x
membership reward every time you book a prepaid stay of at least two consecutive nights at
Amex Hotel properties. The card also covers car rental and damage loss, trip delay and
baggage insurance.
Highlights
● Minimum credit score: 670
● Minimum credit limit: Will be informed at the time of application
● APR: 20.74% to 28.74%
● Annual Fee: $250
● Foreign Transaction Fees: 0%
4) Chase Freedom Unlimited
The Chase Freedom Unlimited credit card has great features but no annual fee. Their cash-
back offers include 5% on travel and 3% on dining and drugstore purchases. There is no expiry
date on cash-back redemption as long as your bank account is functional. Earn a $200 bonus
after you spend $500 on purchases in the first 3 months from account opening.
Highlights
● Minimum credit score: 670
● Minimum credit limit: $500
● APR: 0% APR for 15 months. Post that, the APR will be between 19.74% to 28.49%.
● Annual Fee: $0
● Foreign Transaction Fees: 3%5) Citi Premier
The Citi Premier card offers 3x points on travel (including . gas stations), points on dining,
supermarkets and travel and 1x points on all other purchases. The credits on hotel and car
rental bookings are 10x, making this one of the highest reward points*. If your hotel stay bill is
$500 or more (excluding taxes and fees), you get $100 off once every year.
Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening. You
can either redeem the points for $750 in gift cards or travel rewards at thankyou.com.
Highlights
● Minimum credit score: 670
● Minimum credit limit: $2,000
● APR: 20.74% – 28.74% (Variable)
● Annual Fee: $95
● Foreign Transaction Fees: 0%
*The offer is valid till June 30, 2024
6) Discover it Miles
The Discover it Miles card is another good choice for those who want a flexible rewards
program. You’ll earn 1.5x miles on all purchases, and at the end of your first year, Discover will
match all the miles you’ve earned. You can redeem your miles for travel purchases made with
the card or use them for cash back through a direct deposit. It gives you the option to spend that
money later on travel.
Highlights
● Minimum credit score: 670
● Minimum credit limit: $500
● APR: 0% APR for the first 15 months. Post that, it will be between 16.74% – 27.74%
● Annual Fee: $0
● Foreign Transaction Fees: 0%
Our Top 2 Picks
1) Chase Freedom Unlimited: This is a one-card wallet, with high cashback rates on most
spending. It also offers a 0% intro APR for balance transfers and big purchases. One of its standout features is the lack of minimum redemptions, allowing cardholders to
redeem even small amounts of cash back (as little as $0.01). Plus, with no annual fee,
this card can be a cost-effective way to earn rewards while building credit.
2) Discover It: This is the best option if you are a student with a minimum credit limit of
$500, this card provides some clarity for those who may not qualify for higher limits. On
top of that, the card offers several great features, such as a $0 annual fee and 5% cash
back on up to $1,500 spent in quarterly rotating categories (1% on all other purchases).
Plus, if you happen to miss a payment, the card waives the late fee for your first offence.
How to Make a Wise Choice
● Opt for a card that matches its rewards with your expenses.
● Consider the value, spending requirements, and expiration dates of the sign-up bonus.
● Evaluate annual fee against received benefits
● Check for foreign transaction fees
● Look for a card with a lower interest rate
● Check credit score requirements before applying to avoid unnecessary inquiries
Quick Tips to Get The Best of Travel Rewards
● Sign-up bonus: Remember the specified timeframe and redeem before it expires
● Bonus categories: Use cards for purchases in categories that offer maximum bonus
rewards
● Redeem rewards wisely: Read every redeemable option and get the best value
● Take advantage of travel perks: Use perks like airport lounge access or free checked
bags
● Use multiple cards: Consider using multiple cards to maximize rewards in different
categories
While credit cards can be beneficial, it’s essential to use them responsibly to avoid falling into
debt. Ensure that your expenditure meets with what you afford to pay back each month. The
healthy practice is to pay your balance in full, stay within your budget, and pay your bill on time.
You can do so by setting up automatic payments and monitoring your credit score regularly.
Using your credit card responsibly can help build credit while enjoying rewards. However,
remember that high-interest rates, fees, and late payments can lead to debt and financial
trouble.
Please Note: Read the fine print before you apply. The travel rewards and benefits may vary
with time.