Best Travel Credit Cards for Points & Perks
Travel credit cards can be a game-changer—but let’s be real, choosing the right one can feel overwhelming. So many perks, points, and fine print. I’ve tested more than a few over the years, and I’m here to simplify it for you.
My Top Travel Card Picks
These are the cards I actually use and recommend—the ones that truly make travel easier, smoother, and more rewarding. Think: lounge access before a long-haul flight, built-in travel insurance, and points that actually add up to meaningful rewards.
Below, you’ll find my top picks—plus who they’re best for, why I love them, and how to make the most of the benefits. Whether you’re planning a big once-a-year adventure or flying regularly, the right card can help you travel smarter, not harder.
1. Chase Sapphire Preferred®
Great for: First-time travel cardholders or anyone wanting flexibility without a hefty annual fee.
75,000-point welcome bonus after meeting minimum spend
5x points on Chase Travel and Lyft, 3x on dining and online groceries, 2x on all other travel purchases
Points transfer to travel partners like Hyatt, United, and more
Complimentary DashPass & $10 credit / month ($240 annual value)
Trip delay insurance, rental car coverage, and no foreign transaction fees
$95 annual fee
📌 Why I love it: It’s my go-to recommendation for travelers just starting to play the points game. It’s simple, flexible, and packed with value.
2. Chase Sapphire Reserve®
Great for: Frequent travelers looking for premium perks and elevated experiences.
100,000-point welcome bonus + $500 Chase Travel promo credit after meeting minimum spend
8x points on Chase Travel, 4x on flights & hotels, 3x on dining, 1x on all other purchases
$300 annual travel credit + $500 credit for stays with The Edit
Priority Pass lounge access
3x points on travel and dining
$300 dining credit, $300 StubHub credit, $250 AppleTV & Apple Music credit, & more
Complimentary DashPass & $300 DoorDash promos
Trip delay insurance, rental car coverage, and no foreign transaction fees
$795 annual fee
📌 Why I love it: This card turns travel into a VIP experience. The new annual fee is steep, but if you’re on the go often or love upgraded touches, it pays for itself fast.
3. American Express® Gold Card
Great for: Foodies and international travelers who want serious points on dining and groceries.
4x points at restaurants and supermarkets
Up to $120 in dining credits per year
Transfer points to airline partners like Delta, British Airways, and more
$250 annual fee
📌 Why I love it: It’s a must-have for anyone who plans trips around food (hi, kindred spirits). And it pairs beautifully with other AmEx cards if you want to build a points strategy.
✈️ Want Help Choosing the Right One?
Not sure which card fits your travel style? I’m happy to help you decide during your planning session. Or shoot me a quick note if you want a tailored recommendation based on your habits and upcoming trips.
This page may contain referral links, which means I may earn a small bonus if you apply through them—at no extra cost to you. I only recommend what I truly believe in (and already use myself).