Earn miles and points for flights, hotels & more. Compare 6 top-rated cards side by side.
#1
Annual Fee$95
APR21.49%-28.49%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 5X travel via Chase, 3X dining/streaming, 2X other travel, 1X everything
Travel Rewardsrewards
- Points worth 25% more via Chase Travel
- Transfer to airlines/hotels
- Trip cancellation insurance
- Primary car rental coverage
#2
Annual Fee$550
APR22.49%-29.49%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreExcellent (720+)
Rewards: 10X hotels/car via Chase, 5X flights via Chase, 3X dining/travel, 1X everything
Travel Rewardsrewards
- $300 annual travel credit
- Points worth 50% more via Chase Travel
- Priority Pass lounge access
- Global Entry/TSA Pre credit
#3
Annual Fee$250
APR29.99%-29.99%
Sign-Up Bonus60,000 points after $6,000 in 6 months
Credit ScoreGood to Excellent (670+)
Rewards: 4X restaurants worldwide, 4X US supermarkets (up to $25k/yr), 3X flights, 1X everything
Travel Rewardsrewards
- $120 dining credits
- $120 Uber Cash annually
- 4X on dining and groceries
- Membership Rewards points
#4
Annual Fee$695
APR29.99%-29.99%
Sign-Up Bonus80,000 points after $8,000 in 6 months
Credit ScoreExcellent (720+)
Rewards: 5X flights via Amex Travel/airlines, 1X everything else
Travel Rewardsrewards
- $200 airline fee credit
- $200 hotel credit
- Centurion Lounge access
- $240 digital entertainment credit
- Global Entry/TSA Pre credit
#5
Annual Fee$95
APR21.24%-29.24%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 3X flights/hotels, 3X restaurants, 3X supermarkets, 3X gas, 1X everything
Travel Rewardsrewards
- 3X on flights, hotels, restaurants, supermarkets & gas
- No foreign transaction fees
- Transfer to airline/hotel partners
- $100 annual hotel savings
#6
Annual Fee$395
APR19.99%-29.99%
Sign-Up Bonus75,000 miles after $4,000 in 3 months
Credit ScoreExcellent (720+)
Rewards: 10X hotels/cars via Capital One Travel, 5X flights via Capital One Travel, 2X everything else
Travel Rewardsrewards
- $300 annual travel credit
- 10,000 bonus miles anniversary
- Priority Pass & Capital One Lounges
- Transfer to 15+ airline/hotel partners
Choosing the Right Travel Credit Card in 2026
Travel credit cards offer some of the highest-value rewards available, but only if you use them strategically. The three major transferable point currencies are Chase Ultimate Rewards, Amex Membership Rewards, and Capital One Miles. Each has unique airline and hotel transfer partners.
For most travelers, the Chase Sapphire Preferred offers the best balance of value and cost at $95/year. Frequent flyers who spend over $5,000/month should consider the Amex Platinum or Chase Sapphire Reserve, which offer premium lounge access and enhanced earning rates. The Capital One Venture X has emerged as a strong contender with a $300 travel credit that effectively reduces the $395 annual fee to just $95.
Always compare the annual fee against the credits and perks you will actually use. A $695 Amex Platinum is only worth it if you redeem the $200 airline credit, $200 hotel credit, $240 digital entertainment credit, and frequently visit Centurion Lounges.
