Best dating without credit cards with reward points

best dating without credit cards with reward points

December 2018: CREDIT CARDS WITH REWARDS PROGRAMS. Rewards credit cards are becoming more and more diverse. Trying to win customers, issuing companies offer a wide range of benefits to cardholders. You can find credit cards with multi-purpose rewards programs like cash back or points rewards, or with rewards programs that are targeted at specific needs - airline, hotel, retail chain or more. Compare the best rewards credit cards applications on this page to choose the one that will give you highest rebates and will let you redeem earned rewards for what you want - gift cards, entertainment, ai .

best dating without credit cards with reward points

The holidays are here and this means travel. This is a perfect time to apply for a travel credit card. The reality is that the best travel credit card is the one that suits your specific travel needs. Of course, every traveler is different, so this set of travel credit card reviews will help you weigh the pros and cons and find the best card for your individual needs.

I review all the details including bonus offers and perks such as Global Entry fee credit & select Priority Pass access. Travel rewards can add up quickly, so it’s important to apply and start earning as soon as you can while maximizing your points and miles!

Now, without further ado, here are my expert reviews of the best travel credit cards. Here are the Best Travel Credit Cards of 2019: • Best Total Value • : Best Starter Credit Card • Best for Hotel Elite Status • Best for Travel Perks & Points • Best for Hotels.com • Best for Marriott and SPG Stays • Best for British Airways Flyers • : Best for BofA Preferred Rewards members • : Best for Dining A star (⭐) indicates a limited time offer with the highest ever publicly available welcome bonus.

Travel Credit Cards: Which Credit Card Offers the Best Travel Rewards? I reviewed numerous travel credit card offers and spent countless hours studying the pros and cons of each offer. My method to assigning value to these cards relied upon 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, The value of the individual point will always be a very important factor when rating travel credit cards and their promotional offers. Things to consider before applying: • • • • As always, head to the to see every credit card currently available. With that out of the way, here are more details about the best travel credit card offers available right now.

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 60,000 points after you spend $5,000 in the first three months. Terms Apply. $1,200 $200 airline fee credit to cover incidental fees, up to $200 annual Uber credits, up to $100 Saks Fifth Avenue credit, $250 lounge access ($750 total).

Terms Apply. $550 $1,400 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 50,000 bonus points after you spend $4,000 on purchases in the first three months $1,000 N/A $95* $1,000 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 150,000 points after you spend $4,000 in the first three months $900 $250 in statement credits for Hilton purchases each cardmember year, $250 in airline incidental fee credits per calendar year ($500 total).

Terms Apply. $450 $950 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 50,000 points after you spend $4,000 in the first three months $1,000 $300 annual travel credit $450 $850 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 50,000 miles after you spend $3,000 within the first 3 months $700 N/A $95* $700 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 50,000 Avios after you spend $3,000 in the first three months (Earn an additional 25,000 Avios after you spend $10,000 in the first year.

Plus, an extra 25,000 Avios after you spend $20,000 total in the first year.) $750 N/A $95 $655 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 75,000 points after you spend $3,000 in the first three months. $675 Up to $300 in statement credits each account year for eligible purchases at Marriott or SPG hotels $450 $525 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 50,000 points after you spend $3,000 in the first 90 days $500 $100 airline incidental statement credit each calendar year $95 $505 Bonus Offer Bonus Value** Perks Value Annual Fee Total Value 25,000 miles after you spend $2,000 within the first 3 months.

Plus, 20% back as a statement credit at US Restaurants within the first 3 months, up to $100 back (offer ends January 9, 2019) $500 Up to $120 in statement credits each year when you pay with the Gold card at participating dining partners. $100 airline fee credit ($200 total). $250 $425 *Annual fee waived the first year. **Bonus value is an estimated value calculated by TPG and not the card issuer.

Travel Credit Cards: Detailed Assessments I have done the research for you so let’s take a look at the details of each of these cards and offers, including their bonus values and some of the ways I’ve been able to put the cards’ benefits to use.

(Photo by Eric Helgas for The Points Guy) Best For: Purchasing airfare, total value Current Bonus: Earn 60,000 Membership Rewards points after spending $5,000 in the first three months. Current Bonus Value: $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 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 • Rebate for the Global Entry or TSA PreCheck application fee • Centurion Lounge and Priority Pass lounge access, plus Delta Sky Club access when you’re flying Delta.

• Terms Apply • Annual Fee: Why it’s worth it: As you can see in the chart above, a ton of factors contribute to this 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 , the , the recently added and the various lounge access options, the Amex Platinum is a stellar premium 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 using miles. Other highlights include an amazing 5 points per dollar on airfare (equal to a 9.5% return on these purchases), and status and the ability to .

In the News: APPLY HERE: Ultimate Rewards saved the day, letting me book a last-minute flight home in Lufthansa first class through United. Best For: Beginners Current Bonus: 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

That’s $625 in travel when you redeem through Chase Ultimate Rewards. Current Bonus Value: $1,000 Standout Benefits: • Earn 2 points per dollar on all travel purchases and on dining at restaurants and 1 point per dollar on everything else • Transfer points to 13 different travel partners • Primary auto rental insurance • Trip cancellation coverage • No foreign transaction fees • Annual Fee: $95 (waived the first year) Why it’s worth it: It doesn’t offer the bells and the whistles of the much more expensive card, but the Chase Sapphire Preferred is still a great pick for earning bonus points on travel and dining, and for enjoying some solid travel protections in the process.

I’ve utilized Ultimate Rewards points with partners such as United, which I used to book an , but you can also redeem the points directly through the Chase travel portal for 1.25 cents apiece. Whether you simply don’t want to spend $450 a year to get the Sapphire Reserve or if your credit score currently isn’t high enough to qualify for that premium card, the Sapphire Preferred remains a very solid option — and the $95 annual fee is even waived for the first year.

In the News: APPLY HERE: Best For: Hotel elite status Current Bonus: 150,000 Hilton Honors points after spending $4,000 in the first three months. Current Bonus Value: $900 Standout Benefits: • Earn 14 points per dollar on Hilton purchases • Earn 7 points per dollar on flights booked directly with airlines or on amextravel.com, on car rentals booked directly from select car rental companies and at US restaurants • Earn 3 points per dollar on all other purchases.

• Complimentary Hilton Diamond status • Enjoy one weekend night each year, plus earn an additional night after you spend $60,000 on the card in a calendar year. • $250 Hilton resort statement credit each year of card membership • Up to $250 per calendar year in credits for airline incidental fees • $100 Hilton on-property credit when you book a two-night minimum stay with the card at HiltonHonors.com/aspirecard • Priority Pass Select airport lounge membership • No foreign transaction fees • Terms Apply Annual Fee: $450 Why it’s worth it: As far as go, this one’s .

In exchange for the steep $450 fee, you get generous earning rates at Hilton hotels and a variety of annual travel credits (up to $500 between the airline incidental fee credit and the Hilton resort statement credit, and more if you can utilize the $100 on-property credit for Hilton stays).

Beyond that you get a Priority Pass airport lounge membership, giving you and up to guests free access. In the News: APPLY HERE: (Photo by Eric Helgas for The Points Guy) Best For: Travel perks and points earning on travel and dining Current Bonus: Earn 50,000 Ultimate Rewards points after you spend $4,000 in the first three months. Current Bonus Value: $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 • 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 Sapphire Reserve won our for a reason: It offers a stellar selection of perks, from a that can be used toward a wide variety of purchases, to the ability to redeem points for through the Chase travel portal.

Best of all, if you have this card, the Ultimate Rewards points you earn on other Chase cards can also be redeemed at the 1.5-cent rate. You also get an impressive 3x points on travel (after $300 travel credit exhausted) and dining purchases, which equates to a 6.3% return based on my valuations.

This card is a prime example of benefits more than making up for a steep annual fee. In the News: APPLY HERE: Best for: Hotels.com purchases, diversifying your transferable point currencies Current Bonus: Earn 50,000 miles after you spend $3,000 in the first three months. Current Bonus Value: $700 Standout Benefits: • Earn 10x miles on Hotels.com purchases at Hotels.com/Venture • Earn 2x miles on all other purchases • Get a Global Entry or TSA PreCheck application fee credit • 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 Venture Card 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 card (as well as the VentureOne card and Capital One’s two Spark Miles cards) to 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. In the News: APPLY HERE: Best For: Marriott and SPG stays Current Bonus: Earn 75,000 points after you spend $3,000 in the first three months. Current Bonus Value: $675 Standout Benefits: • Earn 6 points per dollar at Marriott and SPG hotels • Earn 3 points per dollar at US restaurants and on flights booked directly with airlines • Earn 2 points per dollar on everything else • Up to $300 in statement credits each cardmember year for eligible purchases at Marriott and SPG hotels • Receive a free night award every year after your cardmember anniversary, good for one night at a property that costs up to 50,000 points.

• Complimentary Gold elite status • Earn Platinum status by spending $75,000 on the card in a calendar year • Terms Apply Annual Fee: $450 Why it’s worth it: This is the most premium co-branded option available for Marriott and SPG stays.

Now that the merger of the two brands is complete, you use this car to earn Marriott points that can be redeemed at more than 6,000 properties across the combined Marriott, Ritz-Carlton and SPG portfolios. The $300 in annual statement credits can be used for room rates as well as incidentals at eligible hotels, and the complimentary you get as a cardholder entitles you to a 25% point bonus, priority late checkout and space-available upgrades to enhanced rooms.

In the News: APPLY HERE: You could use the Travel Together Ticket to fly BA’s A380 first class to London. Best For: British Airways flyers Current Bonus: You can earn up to 100,000 Avios — 50,000 Avios after you spend $3,000 on purchases in the first three months, an additional 25,000 Avios after you spend $10,000 total on purchases in the first year. Plus, an extra 25,000 Avios after you spend $20,000 total in the first year.

Current Bonus Value: $750 Standout Benefits: • Earn 3 Avios per dollar on British Airways purchases and 1 Avios per dollar on everything else • If you spend $30,000 on the card in a calendar year, you’ll get a for a companion to use.

• No foreign transaction fees Annual Fee: $95 Why it’s worth it: Even if you don’t spend a total of $20,000 in the first year to earn 100,000 Avios, earning 50,000 Avios can open the door to some , such as and . And if you can put a lot of spending on this card, you might be able to unlock the Travel Together Ticket, which gets a companion a free flight but doesn’t include taxes and fees, which can be substantial.

In the News: APPLY HERE: (Photo by Eric Helgas for The Points Guy) Best For: BofA Preferred Rewards members Current Bonus: Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days from account opening. Current Bonus Value: $500 Standout Benefits: • Earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on everything else.

• $100 airline incidental statement credit toward seat upgrades, baggage fees and more • Global Entry or TSA PreCheck application fee credit • Earn up to a 75% points bonus if you’re a Bank of America Preferred Rewards member Annual Fee: $95 Why it’s worth it: This credit card in a few interesting ways. For one, it acts more like a cash-back card, with points worth 1 cent apiece as a statement credit or as a deposit into eligible Bank of America or Merrill Lynch accounts.

So even though this card’s value of $505 is lower than many others on this list, those other values are based on our valuations and assume you’ll be redeeming points for lucrative award travel, such as a premium-cabin flight. With the Bank of America Premium Rewards card, on the other hand, you’re getting straight cash, arguably making it even more valuable.

This card can be even more lucrative if, like me, you’re a member. As a Platinum Honors member with $100,000+ in BoFA/Merrill Lynch accounts, I earn a 75% bonus on top of the card’s 2x and 1.5x categories — netting me 3.5x on travel and dining and 2.625x on everyday spend. In the News: APPLY HERE: Best For: Dining Current Bonus: Earn 25,000 Membership Rewards points after you spend $2,000 in the first three months. Plus, new cardholders who apply by Jan. 9, 2019 can also receive 20% back as a statement credit, up to $100, on dining purchases at US restaurants in the first three months of cardmembership.

Current Bonus Value: $500 Standout Benefits: • Earn 4x points at US restaurants • Earn 4x points at US supermarkets, on the first $25,000 spent each year; then 1x • Earn 3x points on flights booked directly with airlines or on amextravel.com • Up to $10 in statement credits monthly when you pay with the Gold card at participating dining partners • $100 annual airline fee credit • Terms Apply Annual Fee: $250 Why it’s worth it: Amex revamped its Premier Rewards Gold Card and as the Amex Gold Card, with new bonus categories and a strong focus on dining.

With 4x points at US restaurants, the card now offers the most competitive return on dining spending (7.6% based on our valuations), though you’ll want to use another card to earn bonus points when you eat abroad. The card also earns 4x points on the first $25,000 spent per year at US supermarkets, and 3x points on flights. With this card, Amex finally has a strong option for .

The annual fee is now $55 and not waived the first year, but thanks to the new earning rates and benefits it could be worth it for you. In the News: APPLY HERE: Here is a recap of the Best Travel Credit Cards of 2019: • Best Total Value • : Best Starter Credit Card • Best for Hotel Elite Status • Best for Travel Perks & Points • : Best for Hotels.com • Best for Marriott and SPG Stays • Best for British Airways Flyers • : Best for BofA Preferred Rewards members • : Best for Dining Ranking Criteria 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 the , which offers Centurion Lounge access plus Delta Sky Club access when you’re flying Delta, I assigned a value of $250 for these perks.

Yes, the cards do offer Priority Pass lounge access as well, but this benefit is available through many cards so I opted to leave this — along with — out of my calculations. Also, a few of these cards offer tiered bonuses. For these cards, if the total spending requirement across multiple tiers is higher than $5,000, I focused on the value you’d get by meeting the lowest spending requirement. As an example, with the British Airways Visa Signature Card, I calculated the value of 50,000 Avios rather than 100,000, which you could earn if you spent $20,000 on the card in your first account year.

Frequently Asked Questions: Q: Which credit cards gives the best travel rewards? A: The best travel credit card by total bonus value is the American Express Platinum. The total bonus offer value comes in at $1,400. However, the best travel credit card is the one that suits your specific travel needs Q: How much is 40,000 miles worth?

A: This depends on the rewards program. A basic one-way domestic flight can cost anywhere from 7,500 – 25,000 points. See below for specific rewards program details. Q: Which Credit Card has the best rewards program? A: The best rewards program is the one that suits your specific travel needs. Read below to find out more about the different rewards programs. Read More About Popular Travel Points Programs and see what is right for you: • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

That's $625 toward travel when you redeem through Chase Ultimate Rewards® • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018 • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. • No foreign transaction fees • 1:1 point transfer to leading airline and hotel loyalty programs • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

For example, 50,000 points are worth $625 toward travel • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards 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.

Advertiser Disclosure The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This site does not include all credit card companies or all available credit card offers. Please view our for more information. Editorial Note: 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. Site The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation.

This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our for more information. Editorial Note: 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.


best dating without credit cards with reward points

best dating without credit cards with reward points - Best Credit Cards with Accelerated Rewards Points 2018


best dating without credit cards with reward points

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear).

CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers. The first documented passport wasn’t quite a passport at all, but a requesting safe passage for a court official around 450 BCE.

Through the mid-1500s, the passe porte allowed European travelers passage through the city gates (called portes). The first US passe-port was and printed on his own press. Here in the 21st century, the passport has evolved to not only act as the key to get through (airport) gates, but it has become a symbol of our ability to travel freely throughout much of the modern world.

Well, perhaps not quite freely. The average flight from the US to Europe — per person — depending on where you fly out from, and that doesn’t touch meals and lodging. That’s where travel rewards credit cards come in; you can turn your rewards into free flights, hotel stays, and other key travel expenses, allowing you to put that passport to good use. | | | | Best Credit Cards for “Flexible” Travel Rewards Few things in life are quite as frustrating as saving and planning for the perfect trip — only to have everything go sideways when it’s time to book.

Welcome to the roadblock that is travel rewards blackout dates. Add in airline or hotel brand restrictions, and successfully organizing your points or miles vacation can start to feel like wandering through a maze with nothing but dead ends. Thankfully, a number of great travel rewards credit cards offer points or miles without the strings and limitations of blackout dates and brand restrictions.

Instead of planning your trip around your points, the rewards you earn can be redeemed for travel expenses regardless of where or when — or with whom — you travel. Plus, pay no foreign transaction fees with many of our favorite flexible travel rewards cards.

• Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture • Named ‘The Best Travel Card' by CNBC, 2018 • Receive up to $100 application fee credit for Global Entry or TSA Pre✔® • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs • Miles won't expire for the life of the account and there's no limit to how many you can earn • • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

That's $625 toward travel when you redeem through Chase Ultimate Rewards® • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018 • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. • No foreign transaction fees • 1:1 point transfer to leading airline and hotel loyalty programs • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

For example, 50,000 points are worth $625 toward travel • • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically.

For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. • No Blackout Dates - fly any airline, stay at any hotel. • Redeem your Miles as a statement credit towards travel purchases.

• Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. • » » If you do have a specific travel brand you prefer, you can still win with flexible travel rewards credit cards.

Besides redeeming your points or miles for travel credit, some programs also allow you to transfer your rewards to a partner airline or hotel loyalty program. This can turn your flexible rewards into branded points or miles that can be combined with your existing frequent flyer miles or hotel loyalty points. Best Credit Cards for “No Annual Fee” Travel Rewards Depending on how much you spend each year, it can be easy to earn enough rewards and rebates to more than offset any annual fee, even on cards with triple-digit annual fees.

Likewise, if you place a lot of value on certain perks and benefits that often accompany high annual fees — particularly when it comes to travel cards — then those fees may be worth paying for you.

For others, however, annual fees are simply nuisance expenses that detract from the value of the rewards — and the card. Luckily for them, the rewards credit card marketplace is thick with no-annual-fee card options, including a wide variety offering solid travel rewards.

What’s more, our top-rated picks for travel cards without annual fees also won’t charge you foreign transaction fees for purchases in another currency. • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles.

That's $600 towards travel! • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. • No Blackout Dates - fly any airline, stay at any hotel. • Redeem your Miles as a statement credit towards travel purchases.

• Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. • • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture • Transfer your miles to over 12 leading travel loyalty programs • Fly any airline, stay at any hotel, anytime • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that • Travel when you want with no blackout dates • » » Capital One was one of the first issuers to offer blackout-free travel rewards, and its travel cards are still among the top flexible travel rewards options.

6. The allows cardholders to earn unlimited rewards points that can be redeemed for blackout-free flights, hotels, vacation packages, rental cars, or baggage fees. • Earn unlimited 1.5X points per $1 on all eligible card purchases with no expiration date • Introductory 0% APR for your first 12 billing cycles for purchases • Pay no annual fee The Bank of America® Travel Rewards Credit Card also offers bonus points for Bank of America customers who have an active checking or savings account, with Bank of America Preferred Rewards clients earning the most bonus points.

One thing to keep in mind is that “no annual fees” doesn’t mean “no fees at all.” Unless you have an active on your card, you’ll be charged interest fees on any credit card balances you carry from month to month. These fees can easily overwhelm any purchase rewards you earn, as well as eliminating the savings from not paying an annual fee.

Best Credit Cards for “Air Miles” Travel Rewards While having the flexibility to redeem your travel rewards can make planning your next trip significantly easier, credit cards co-branded with specific airlines can frequently offer exclusive perks and benefits that may offset the limitations for some applicants.

These benefits can include cost-saving perks, such as free checked bags, as well as luxuries like airport lounge access. And co-branded credit cards can be especially appealing to cardholders who have a particular affinity for a specific airline and want a faster way to accrue frequent flyers miles, as these cards typically reward you with miles for every purchase.

The cards on our list also offer bonus frequent flyer miles — at least 2X per $1 — for qualifying airline purchases. 7. Earn unlimited frequent flyer miles with the , plus enjoy special cardholder perks like priority boarding and a free checked bag.

• Earn 2X miles per dollar spent with Delta, 1X miles per dollar on all other purchases • Get your first checked bag free on every Delta flight • Pay $0 annual fee the first year, $95 each year after As an added perk, the Gold Delta SkyMiles® Card doesn’t charge foreign transaction fees, freeing you up to purchase like a local when you travel. 8. With domestic trips starting at just 7,500 miles, the offers cardholders an easy way to earn free travel.

• Earn 2X AAdvantage® miles per $1 on American Airlines, restaurant, and gas station purchases • Earn 1X AAdvantage® miles per $1 on all other purchases • Pay $0 annual fee the first year, $99 each year after Additionally, redeeming your points can earn you more points, as you’ll receive bonus miles equal to 10% of your redeemed miles. 9. Servicing more than 180 destinations globally, the can get you to many of the most popular travel spots around the world.

• Earn 3X Avios per $1 on British Airways purchases and 1X Avios on other eligible purchases • Receive a Travel Together Ticket for spending $30,000 in a year • Pay a $95 annual fee The cost of rewards flights are based on the distance you fly, with short-distance trips (650 miles or less) starting at 4,000 Avios miles for off-peak travel dates.

Even if you choose to go with a co-branded airline travel rewards credit card, you likely won’t be limited to a single airline. Most major airlines are part of an that partners them with other airlines, some alliances holding up to 27 members. Many frequent flyer programs allow you to transfer rewards between alliance airlines and/or redeem your rewards for flights on other airlines in the alliance.

Best Credit Cards for “Hotel” Travel Rewards Similar to co-branded airline credit cards, travel rewards cards co-branded with a hotel loyalty program typically offer cardholders a quick way to earn hotel loyalty program points.

Most co-branded hotel cards not only provide at least one point per dollar for all of your card purchases, but most also allow you to earn bonus points — at least 2X per $1 — for hotel stays and on-property purchases.

Additionally, hotel-branded travel rewards credit cards frequently provide a range of freebies and perks, including complimentary elite status, free internet access, and no-cost room upgrades that can make your stay more comfortable and more affordable.

The hotel brands on our list include global options with thousands of properties from which to choose. 10. Not only does the let you earn points on every purchase and bonus points on Starwood purchases, you can earn points for eligible Marriott stays, as well.

• Earn 6X points per dollar spent on eligible Starwood Preferred Guest® or Marriott purchases • Earn 2X on all other purchases • Pay $0 annual fee the first year, $95 each year after Besides redeeming your Starpoints at over 1,300 locations worldwide, you can also transfer your points to a variety of airline and hotel partners, with a bonus for every 60,000 points you transfer.

11. The is not only a quick route to free stays with its double-digit rewards rate for Hilton purchases, but also provides you with complimentary Hilton Honors Gold status. • Earn 12X Hilton Honors™ Bonus Points per dollar for Hilton purchases • Earn 6X Hilton Honors™ Bonus Points for purchases at US restaurants, supermarkets, and gas stations • Earn 3X Hilton Honors™ Bonus Points for all other purchases The Hilton Honors Ascend Card is also great for big buyers, as you can earn a free Weekend Night Reward when you spend at least $15,000 on your card in a single calendar year.

12. The helps you earn free stays at over 5,700 properties around the globe, including bonus points for eligible restaurant, car rental, airline, and Marriott purchases.

• Earn 6X Marriott Rewards points per dollar spent on eligible Marriott or SPG purchases • Earn 2X Marriott Rewards points per dollar on all other purchases • Pay $95 annual fee The Marriott Rewards Card also rewards you for your credit card loyalty, providing a free night worth up to 35,000 points each year after your account anniversary.

The same way other travel rewards programs often allow you to transfer points and miles, so, too, will many hotel loyalty programs allow you to transfer points to partnering hotels and airlines.

Best Credit Cards for “Business” Travel Rewards In some ways, the always-on-the-go businessperson who practically lives in the air or on the road has become a cultural cliche — but that doesn’t make it any less a reality for many people.

For these frequent travelers, a quality travel rewards business credit card is nearly a necessity, offering not only a way to save on trips but also providing a host of perks that can make those trips much more pleasant.

But even if your business requires a little less roaming, you can still use a travel rewards business card to earn points or miles on your business purchases — rewards that can reward you with free travel when the work is done.

Business travel cards, including our picks below, offer most (if not all) of the benefits of their consumer counterparts, as well as providing extended benefits for business customers.

• Enjoy no annual fee • Earn 1% cash back on every purchase, every day • Build business credit with responsible use • Fraud coverage if your card is ever lost or stolen • No foreign transaction fees • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service • » » Beyond being a solid travel rewards option for small business owners, the is one of the few business cards available to those with average credit.

14. With a credit card, you can experience all the perks of the consumer card, plus earn extra rewards on card purchases in common business categories. • Earn 2X miles per $1 spent in select business categories that include gas stations & communication services • Earn 2X miles per $1 spent on American Airlines purchases • Pay no annual fee the first year, then $95 Spend at least $30,000 on your CitiBusiness American Airlines in a single calendar year and you’ll unlock an American Airlines Companion Certificate that allows a friend or coworker to travel with you for only $99 (plus fees).

15. The has a lot in common with its consumer credit card cousin, including the ability to earn rewards on Starwood or Marriott purchases, as well as a variety of one-to-one transfer options. • Earn 6X points per $1 you spend at eligible Starwood or Marriott properties • Earn 4X on purchases in select business & travel categories • Pay no annual fee the first year, then $95 Starwood cardholders enjoy free on-property internet access, as well as complimentary Silver Elite status.

Your new business credit card can also have another benefit that has nothing to do with hotels or airlines: building business credit. Your business can — and should — build its own credit history separate from your personal credit.

As you responsibly use your card to earn rewards, you’ll also be building a credit history that can help unlock other types of business financing in the future.

Make the Most of Your Travel with a Great Rewards Card The US passport started from humble origins, hot from Ben Franklin’s printing press and hand-delivered to its recipient.

Today, more than are in circulation, meaning 1 in every 2.4 Americans has a valid US passport. Sadly, those passports do many of us little good sitting in a desk drawer or safety deposit box, waiting for the day we can afford that trip of our dreams.

Travel rewards credit cards can be a simple, convenient way to make the purchases you were going to make anyway, all while earning points or miles you can redeem to cover a wide variety of travel expenses — and a reason to pull that passport out of hibernation. Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Brittney Mayer is a contributing editor for CardRates.com, where she uses her extensive research background to write comprehensive consumer guides and in-depth company profiles. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on websites such as MarketWatch, US News & World Report, NBC News, Kiplinger, National Foundation for Credit Counseling, TheSimpleDollar.com, BadCredit.org, CreditSoup.com, and CreditCards.com, among others.

Brittney specializes in translating complex financial jargon and ideas into readable, actionable advice on lending best practices. Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved, or otherwise endorsed by the credit card issuer.

Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer.

Advertiser Disclosure: CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own, and are not provided, endorsed, or approved by advertisers.


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Advertiser disclosure Our commitment to you is complete honesty: we will never allow advertisers to influence our opinion of offers that appear on this site. Transparency is also a core value. We do receive compensation from some partners whose offers appear here. That's how we make money. Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation.

The Ascent does not cover all offers on the market. Editorial disclaimer: We’re firm believers in the Golden Rule. If we wouldn’t recommend an offer to a close family member, we wouldn’t recommend it on The Ascent either. Our number one goal is helping people find the best offers to improve their finances. That is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.

With historically high rewards rates, there may be no better time for you to sign up for a new travel credit card than today. Travelers benefit when taking advantage of big sign-up bonuses, securing cheap airfare, avoiding foreign and annual transaction fees, and gaining VIP access to airport lounges. See below for our top rated cards and find the best choice for you.

• Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018 • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

• No foreign transaction fees • 1:1 point transfer to leading airline and hotel loyalty programs • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

For example, 50,000 points are worth $625 toward travel • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards Our Bottom Line With one of the highest base travel rewards rates in the industry it's a great card for those with high spending volume each month. A generous sign up bonus, travel statement credits, and $100 for TSA Pre✓® make this a standout card for travelers .

International travelers will appreciate no foreign transaction fees. • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture • Named ‘The Best Travel Card' by CNBC, 2018 • Receive up to $100 application fee credit for Global Entry or TSA Pre✓® • Fly any airline, stay at any hotel, anytime; no blackout dates.

Plus transfer your miles to over 12 leading travel loyalty programs • Miles won't expire for the life of the account and there's no limit to how many you can earn • No foreign transaction fees • $0 intro annual fee for the first year; $95 after that • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

That's $750 toward travel when you redeem through Chase Ultimate Rewards® • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees. • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards.

For example, 50,000 points are worth $750 toward travel • 1:1 point transfer to leading airline and hotel loyalty programs • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select • Up to $100 application fee credit for Global Entry or TSA Pre✓® • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel • Earn 1.25X miles on every purchase, every day and pay no annual fee.

Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture • Transfer your miles to over 12 leading travel loyalty programs • Fly any airline, stay at any hotel, anytime • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that • Travel when you want with no blackout dates • No foreign transaction fees • Miles won't expire for the life of the account and there's no limit to how many you can earn • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees • Comes with chip technology for enhanced security and protection at chip-enabled terminals • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75% • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase. • No limit to the points you can earn and your points don’t expire • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.

• Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections • No Foreign Transaction Fees • Low $95 annual fee The Motley Fool owns shares of and recommends Visa. We’re firm believers in the Golden Rule. If we wouldn’t recommend an offer to a close family member, we wouldn’t recommend it on The Ascent either. Our number one goal is helping people find the best offers to improve their finances.

That is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.


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