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Best Travel Credit Cards for November 2021

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Sponsored Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months

Chase Sapphire Preferred® Card
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On Chase's secure site
Rewards Rate
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Ultimate Rewards
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.
Card Network
card network
Annual Fee
$95
Credit Score Needed
Excellent, Good
Offer Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

  • 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.

  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.

  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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Sponsored $200 Bonus after you spend $500 on purchases in your first 3 months

Chase Freedom Unlimited®
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On Chase's secure site
Rewards Rate
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases
Welcome Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
0% Intro Purchase APR
0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%
Expand Card Details

The Platinum Card® from American Express
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The Platinum Card® from American Express
Apply Now
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Rates & FeesTerms Apply
On American Express's secure site
Rewards Rate
5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1x points on eligible purchases
Welcome Offer
100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Airport Perks
Enjoy access to the Global Lounge Collection and a $179 CLEAR® credit
Expand Card Details

Chase Sapphire Reserve®
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On Chase's secure site
Rewards Rate
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
Welcome Offer
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Perks
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
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Discover it® Miles
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On Discover's secure site
Rewards Rate
Unlimited 1.5 Miles on every dollar spent on purchases
Welcome Offer
Discover will match Miles earned for the first year
Regular Purchase APR
11.99% - 22.99%
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Capital One VentureOne Rewards Card
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On Capital One's secure site
Rewards Rate
1.25 miles per dollar on every purchase
Welcome Offer
20,000 points after spending $1,000 in the first 3 months
Regular Purchase APR
15.49%, 21.49%, 25.49%
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Can't decide?

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Why Should You Use a Travel Credit Card?

Travel credit cards are one of the most popular types of credit cards and for good reason. Travel cards offer reward points on everyday purchases that can pay for your next vacation. These cards are well known for offering substantial welcome bonuses that often cover the cost of vacation flights or extended hotel stays.

Travel cards go beyond rewards points to offer cardholders perks to help make their vacations easier. Notable benefits include TSA PreCheck and access to priority lounges to make your airport experience more pleasurable before flight.

For the international travelers, many of these cards offer no foreign transaction fees which is typically 3% of each purchase made abroad. You won’t need to worry about using your card internationally as these cards have partnered with the best international networks - like Visa and Mastercard - to ensure you can use your card effortlessly anywhere.

There are plenty of variations of travel rewards credit cards. Finding the best card for your will depend on what kind of traveler you are. Consider how often you fly, if you are planning on going internationally, and if you tend to pay for premium travel experience.

If you don’t want to manually analyze your spending yourself, you can sign up for a free Clyde account. Clyde’s AI estimates the rewards value you are likely to receive in the first year after account opening for each card. Clyde uses your opt-in transaction data securely shared via Plaid (also used by Venmo) to personalize your credit card recommendations based on your spending. You can compare cards quantitatively by their value to you and take the guesswork out of finding the best card for you.

Co-branded Travel Cards

Airline cards are a popular credit card offering for frequent travelers. The primary difference between an airline card and a travel rewards card is earning and redeeming points. Airlines cards offer frequent flier miles that are typically redeemable only with a single partnered airline. Travel rewards credit cards, however, are usually redeemable with not only any airline but also many hotel and resort brands.

One of the main benefits of an airline branded card is in-flight benefits. Usually these cards will come with complimentary priority boarding, free entertainment, and refreshments to make your time in air more enjoyable. These benefits make most sense if you are loyal to a particular airline. For example, if you live in a city that is a major hub for a particular airline then it might make more sense to open one of their cards. The downside of airline cards is you will have more limited redemption options than a travel regards card because you will only be able to use your frequent flier miles with that specific carrier.

Redeeming Rewards

Travel rewards are becoming easier to redeem for a variety of different travel benefits. For most bank offerings, you can redeem your points for hotel stays, flights, and even cash equivalents. This has made opening a travel rewards card make more sense than ever. Keep an eye out for promotional welcome bonuses as well which can pay for your next vacation or cover an annual fee for multiple years. If you’re confused about what a mile or rewards points means, typically these are converted on a 1-to-1 basis with one cent. In other words, a 60,000 miles welcome bonus is the equivalent of $600 when redeemed. One note to keep in mind is that some travel rewards do expire so it’s important to use your rewards while they are still active.

Considerations

Some travel cards come with annual fees while others don’t. Making sense of which travel card is the best fit for you comes down to understanding your spending habits. Just because a card comes with an annual fee doesn’t mean the rewards won’t offset it or that it could be your best option.

The simplest way to understand which card will be most rewarding to you is to make a free Clyde account, where the AI does all the value estimations for you using your own spending data.

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