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Chase Sapphire ® Credit Cards

Explore premium dining and travel rewards with a Chase Sapphire ® credit card.

Chase Sapphire Preferred ® credit card . Links to product page.

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New cardmember offer.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Travel SM .

AT A GLANCE

Premium dining & travel rewards Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. Earn 3x points on dining at restaurants including eligible delivery services, takeout and dining out. Earn 2x on other travel purchases.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

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60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel SM .

Earn 5x total points on flights and 10x total points on hotels (excluding The Edit℠) and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

22.49 Min. of (8.50+13.99) and 29.99 %– 29.49 Min. of (8.50+20.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window

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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card 1 each year. Each year, your first $300 in travel purchases will not earn rewards points. 2

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. 7

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. 1

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. 1

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. 1

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. 1

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. 5

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. 6 For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. 8

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. 9

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. 10

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. 3 This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. 4 That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. 1 From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 12 . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout 13 .

Instacart benefits from Sapphire

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. 14 In addition, Instacart+ members earn up to $15 in statement credits each month through July 2024. 15 Membership auto-renews. Terms apply.

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. 16

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. 1

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. 16

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee, eligible gas station and grocery purchases by March 31, 2024. 17

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® 19 and Amazon.com. 20

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select.

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind 22

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection 23

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. 24 Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. 22

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. 22

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. 22

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. 25

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service 26

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app 27 to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. 28

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). 29

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making purchases within select rotating categories.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

View the details of the Sapphire Reserve benefits offered on this page.

©2024 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC

Introducing Chase Travel

Seamlessly book your best trip yet. Choose from coveted hotels and convenient flights, then add car rental and must-do local experiences at the reimagined chasetravel.com .

Start planning

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Credit Cards

11 Chase Sapphire Preferred travel benefits you should know about

Lee Huffman

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 11:02 a.m. UTC Nov. 14, 2023

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The Chase Sapphire Preferred® Card is one of the best travel credit cards for beginners and experienced travelers alike. It offers numerous benefits that can easily justify its $95 annual fee . The points it earns, known as Chase Ultimate Rewards® , are extremely flexible, and you get 25% more value per point when booking travel through Chase Travel℠. This card also includes valuable travel and purchase protections at no extra charge. Learn more about its benefits so you can see why the Sapphire Preferred is so popular among travelers.

Chase Sapphire Preferred® Card

Welcome bonus.

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 Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card 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 Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

1. Up to $50 in annual hotel credits

Every account anniversary year, cardholders receive up to $50 of hotel credits when booking reservations through Chase Travel. These credits cover a portion of your hotel stay and can offset over half of the card’s annual fee.

Travel reservations made through Chase Travel usually earn 5 points per dollar, which is another great reason to book through the Chase travel portal. However, you will not earn points on the spending that qualifies for the $50 annual hotel credit.

2. Points are worth 25% more when booking travel

The Chase Sapphire Preferred earns Chase Ultimate Rewards points that have tremendous flexibility. When using these points to book travel through the Chase Travel portal, they’re worth 25% more. In other words, you get a redemption value of 1.25 cents per point. For example, 60,000 points are worth $750 in travel compared to redeeming your 60,000 points to get $600 in cash back or gift cards.

3. Transfer points to 14 airline and hotel partners

In addition to booking travel or getting cash back, cardholders can also transfer Ultimate Rewards points to 14 airline and hotel partners. Points transfer to 11 airlines and three hotel loyalty programs on a 1:1 basis without any transfer fees. Transfer partners include United Airlines, Air Canada, Air France, Marriott and Hyatt.

Transferring points tends to offer the highest value redemptions as you can often find outsize value when using your rewards to book peak travel dates, high-end hotels and premium cabin flights vs. what you’d pay in cash.

Unsure if a travel card is right for you? See our list of the best credit cards to review other options

4. Get a 10% bonus every year

Unlike the Chase Sapphire Preferred’s welcome bonus , which is a one-time windfall, on your account anniversary, you’ll receive unlimited bonus points worth 10% of your total purchases made during the previous year. For example, that means if you spend $50,000 over the 12 months of your account anniversary year, you’ll get 5,000 bonus points.

5. Repay eligible purchases up to 24 months without interest

The Chase Sapphire Preferred doesn’t offer a 0% intro APR period on purchases or balance transfers. However, you can use the My Chase Plan® to break up purchases of $100 or more into fixed monthly payments for up to 24 months without interest. Instead of interest charges, you’ll pay a fixed monthly fee to use this benefit.

6. Complimentary travel protections

Chase includes complimentary travel protections in case you encounter problems during your trip. When booking reservations with the Chase Sapphire Preferred, you’re covered against trip cancellation, interruption and delays. Coverage includes up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or interrupted.

When your trip is delayed more than 12 hours or requires an overnight stay, you can receive up to $500 per ticket for meals, lodging and other eligible expenses. Baggage delay benefits provide up to $100 per day per person for five days to cover the essentials if your baggage is delayed more than six hours.

Rental cars are protected against damage or theft when you decline rental car collision insurance and charge the entire reservation to your Chase Sapphire Preferred card. This coverage is primary, which is rare in a card at this affordable price point.

7. Benefits that protect your purchases

Your eligible purchases are protected against damage or theft for the first 120 days. Purchase protection claims are good for up to $500 per item and $50,000 per account.

Chase also includes extended warranty protection on eligible U.S. manufacturer warranties of three years or less. This benefit provides an extra year of coverage on eligible items.

8. Partner benefits earn bonus points and save money

Chase Sapphire Preferred benefits include bonus points and savings with exclusive partnerships with popular brands. Lyft rides earn 5 points per dollar through March 2025. DoorDash provides a one-year, complimentary DashPass membership offering $0 delivery fees and lower service fees.

Cardholders can save money with a complimentary Instacart+ membership for six months and up to $15 in statement credits each quarter through July 2024.

9. No foreign transaction fees

Bring your Chase Sapphire Preferred when traveling internationally because it waives foreign transaction fees. This benefit avoids a hidden fee of up to 3% on international purchases that many other credit cards charge. For example, $5,000 in purchases in another country could incur up to $150 in foreign transaction fees if you used a credit card that charges such a fee.

10. Spend instantly upon approval

When you apply for a new credit card, you typically have to wait up to 10 days to receive your physical card before you can start spending. If you’re approved for the Chase Sapphire Preferred , new cardholders can start spending right away by adding the card to their digital wallets. This enables them to get a head start on meeting the requirements to earn the card’s welcome bonus .

11. Refer friends and earn bonus points

In addition to earning Chase Ultimate Rewards points on your purchases, you can also earn points by referring your friends and family to the Chase Sapphire Preferred card. You’ll receive 15,000 points for each friend who is approved for the card. Chase allows cardholders to earn up to 75,000 bonus points each year with successful referrals, which is worth over $900 in travel booked through the Chase Travel portal.

Should travelers get the Chase Sapphire Preferred card?

With so many benefits, it’s easy to see why the Chase Sapphire Preferred is such a valuable travel credit card. It earns  5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases, includes travel and purchase protections, and points can be redeemed in numerous ways. This card offers advantages whether you’re traveling internationally or making daily purchases in your local area. Plus, it includes limited-time partner offers that earn bonus points and provide savings on your purchases.

Frequently asked questions (FAQs)

When you rent a car and pay with the Chase Sapphire Preferred, you’ll automatically receive complimentary primary rental car coverage against damage or theft. 

And when using points to pay for your rental car reservation through Chase Travel, you’ll get 25% more value per point than you would if redeeming your rewards for cash back.

The Chase Sapphire Preferred includes numerous travel protection benefits in case your trip doesn’t go as planned. You’ll receive trip cancellation, interruption and delay benefits, as well as baggage delay insurance. Plus, your rental car is protected against damage or theft.

There are a few travel perks, however, the card does not offer including airport lounge access and a trusted traveler application fee reimbursement .

As an active-duty military member, you’re entitled to specific benefits through the Servicemembers Civil Relief Act (SCRA). Chase provides a reduction in the interest rate on your credit cards and waives the annual fees. To receive these benefits, send Chase a copy of your orders through a secure message at Chase.com or by mail.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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The BEST Travel Credit Card for 2023: Chase Sapphire Preferred

The Chase Sapphire Preferred Card is the first card I recommend to all travelers, and the best travel credit card for 2023.  It comes with a sweet sign-up bonus, ongoing opportunities to earn and redeem rewards, and extra benefits that almost all travelers can take advantage of.  In fact, it’s one of the few travel reward cards I’ve held onto and use regularly ever since I first got it in 2013.

Highlights of the Chase Sapphire Preferred

The Chase Sapphire Preferred Card stands out as one of the best travel credit cards for 2023  by offering generous benefits for a low annual fee:

Chase Sapphire Preferred® Card

• 60,000 reward points (worth $750 ) after meeting the minimum spend of $4,000 in the first 3 months
• $50 annual Ultimate Rewards Hotel Credit, 5x points for purchases on Chase Ultimate Rewards, 3x points on dining, select streaming services and online groceries, and 2x points on all other travel purchases.
• Points are worth 25% more on airfare, hotels, car rentals, and cruises when booking through Chase Ultimate Rewards (e.g. 60,000 points worth $750 toward travel)
• Includes trip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage insurance and more.
• Can transfer your reward points to leading airline and hotel loyalty programs
• No foreign transaction fees
• Annual fee: $95

Unlike other Chase Sapphire Preferred reviews, I’ll also share a few of the card’s intangible perks: things don’t necessarily hold a dollar value but still offer additional value.

Top Ways I’ve Used the Chase Sapphire Preferred

A few years ago, I transferred my welcome bonus to United MileagePlus to book a round-trip flight to Slovenia during peak summer travel, an ordinarily expensive route.  I even used the Chase Sapphire Preferred to cover my rental car CDW insurance for a roadtrip through Slovenia and Croatia!

Over the years, I’ve earned thousands of Ultimate Rewards (UR) points which helped me take some amazing trips:

• Round-trip flight Richmond, VA to Slovenia with one-way in business class valued at $3,000 — I only paid $140 in taxes
• One-way first class flight Atlanta to Vietnam valued at $8,000 — I paid $65 in taxes
• One-way economy flight from Nuremberg, Germany to Richmond for next day travel valued at $1000 — I paid $125 in taxes
• One-way economy flight from Cairo, Egypt to Paris, France valued at $400 — paid $65 in taxes
• One-way economy flight from London to Detroit valued at $700 — just $200 in taxes
• One-way economy flight Lima to Cusco, Peru on New Year’s valued at $175 — only $10 in taxes
• The only hotel I’ve ever used Ultimate Rewards for: the Hyatt Regency Kathmandu , where I used 5,000 points to save on a $140 room

And coming soon: I’m flying Iberia Airlines in a few months, after converting 34,000 Ultimate Rewards into Iberia Avios for a one-way business class flight from San Sebastian to Boston.  That ticket is normally $2,000 but I only paid $125 in taxes.

Redeeming points earned with the Chase Sapphire Preferred helps me travel when I otherwise couldn’t afford it!

Where The Chase Sapphire Preferred Welcome Bonus Can Take You

The best part about the Chase Sapphire Preferred 60,000 point welcome bonus is that it’s flexible and can be used for any type of travel.

If you’re looking for some inspiration, here are a few of my favorite ideas:

1)   Book a Flying Blue Business Class Promo Award to Europe

Every month, Flying Blue releases a list of cities that are eligible for awards at 20-50% off their normal mileage rate when flying on Air France or KLM.  For example, we’ve recently seen tickets from Chicago to Budapest for 40,000 miles.  Pair this with an economy award in the other direction on airlines like Virgin Atlantic and you’ll end up with a round-trip ticket for just the cost of taxes and fees.

2)   Book a Week in Bali

There are currently five properties on Bali that cost 12,000 Hyatt points per night or less and you can easily transfer Ultimate Rewards to World of Hyatt to make a reward booking.  Choose your hotels strategically and you could hop from one part of the island to another for up to 12 nights at high-end hotels just from using your welcome bonus!

3)   Book 4 Round-Trip Economy Tickets Within the USA

Finding award tickets for a family can be challenging since airlines limit the number of awards available, but you can redeem your points without limitations when you book on the Chase travel portal.  If you can find a ticket from your home to anywhere else for $187 or less, your welcome bonus covers the cost of four tickets.  Going somewhere more expensive?  Just pay the difference in cash.

4)   Book Two Round-Trip Tickets from New York to Costa Rica

By transferring your Ultimate Rewards to British Airways Avios, you’ll have enough points for two round-trip tickets from New York to San Jose, Costa Rica; the tickets add up to 26,000 miles per person and about $50 in taxes.  If you’re traveling on off-peak dates, you might even find flights for cheaper when using Southwest or JetBlue points (both programs have varying award costs based on cash prices) or by booking directly from the Chase portal.

Other Card Benefits Included With Your Annual Fee

For frequent travelers, the $95 annual fee on the Chase Sapphire Preferred pays for itself with the inclusion of extra benefits.

No Foreign Transaction Fees

Let’s start with a simple but valuable benefit: there are no foreign transaction fees when you use your Chase Sapphire Preferred while traveling internationally.

Many cards, especially cards with no annual fee, add on a ~3% surcharge to all purchases made with a foreign currency.  That adds up quickly if you’re traveling abroad and charging hotels, restaurants, tours, and transportation.  Spend $3200 or more and you’re already money ahead.

Travel Insurance and Protection

The Chase Sapphire Preferred offers a generous travel insurance package compared to other cards with annual fees of $100 or less.  To qualify, you’ll need to book and pay for your transportation ticket (flight, cruise, etc.) with the Sapphire Preferred.

Some of the protections include:

• Baggage Delay Reimbursement (up to $100 per day toward purchases of essential items when your checked bag is not delivered on time)
• Lost Luggage Reimbursement (up to $3,000 toward lost or damaged items)
• Trip Cancellation/Interruption Insurance (up to $10,000 when you need to cancel or end a trip early due to death, injury, or documented illness of you or immediate family member)
• Trip Delay Reimbursement (up to $500 toward unanticipated expenses when your trip is delayed by 12+ hours)
• Travel Accident Insurance (up to $500,000 when you die during a travel accident — yikes!)

These are great perks for low-risk trips when you wouldn’t otherwise buy travel insurance, like visiting grandma or a weekend getaway to a city in your own country.  I made a claim when a cancelled flight required me to spend the night in Charlotte; I was reimbursed for my hotel, Uber rides, and meals.

Notably, medical costs are not covered, so you might want to shop around for a medical and evacuation policy on international trips. For medical insurance, we recommend World Nomads . They're the “all inclusive” option known for honoring claims made through their simple online process. They cover almost all adventure and sports activities, and you can buy and extend coverage even while on your trip.

Primary Car Rental Insurance

The Chase Sapphire Preferred is one of the few cars that offers primary collision damage waiver coverage on rental cars.  This benefit is available in most countries and covers damage to all standard passenger vehicles (some “exotic” rentals, like Ferraris and Maseratis are explicitly excluded).

Remember, this is CDW coverage, so it will pay for damage to the rental vehicle, but you’ll still need liability coverage through your auto insurer at home for injuries or medical expenses.

Three Intangible Benefits

I mentioned earlier that there are a few non-dollar reasons I love the Chase Sapphire Preferred as well:

First, the card always works.  The card is a Visa, which means it’s widely accepted worldwide and it’s been reliable for me even when cards from other banks were incorrectly flagged for fraud while traveling.

Next, they have awesome customer service.  When I call in, I talk to a human being instead of a phone tree.  Better yet, the associates I’ve spoken to are well-trained and able to assist in an appropriate manner so problems are solved quickly.

Lastly, the card is simple .  The Sapphire Preferred is designed for customers who want to set it and forget it.  The rewards are easy, so you don’t have to spend dozens of hours learning how to redeem them, and the website is intuitive for general banking and reward redemptions.  It’s a no-brainer to apply and hold onto the card long-term so you can spend your mental energy on other things.

How to Earn Chase Ultimate Rewards

Chase offers a generous welcome bonus for new cardholders: 60,000 Ultimate Rewards points when you spend $4,000 in the first 3 months of card approval.  That’s a fast way to jumpstart your earning!

Thereafter, you’ll earn Ultimate Rewards through normal everyday spending.  You’ll get 2 Ultimate Rewards points per dollar spent on travel and dining and 1 point per dollar on everything else.

Chase defines travel as the things you'd expect (e.g. hotels, airfare, cruises, car rentals) but also includes less-obvious purchases like taxis, toll roads, paid parking, campgrounds, and more.  Dining is also broadly-defined, including restaurants, fast food, bars, coffeeshops, and even some food delivery services (like Grubhub).

Want to earn even faster?  Add an authorized user for no extra fee and their spending will earn Ultimate Rewards for the same account.

For additional earnings, you can start your online shopping purchase through the “Shop through Chase” portal.  A few extra clicks will help you earn an additional points for every dollar spent at participating online retailers like Best Buy or Macy’s.com.

How to Redeem Chase Ultimate Rewards

There are two different ways to redeem Ultimate Rewards for travel.  That flexibility means you should get great value regardless of your goals and preferences.

Ultimate Rewards points can be transferred at a 1:1 ratio to partner airlines and hotels where you then redeem your points directly through those frequent flyer programs.  This is a great way to book high-value redemptions at a reduced rate, like first class flights and luxury hotels.  I’m flying business class this spring on Iberia Airlines from Spain for just 34,000 UR — a fabulous redemption compared to the cash price of $2,000.

The downside to booking through partner programs is that rewards often come with blackout dates or capacity controls, which can be frustrating for travelers.  You can work around these restrictions by using your rewards to redeem points through the Chase portal instead of transferring directly to programs.

When you book through the Chase portal, Ultimate Rewards points are worth 1.25 cents per point (e.g. the welcome bonus of 60,000 points = $750 ).  You can book any flight or hotel that is normally available through an online travel agency like Expedia, so you can choose any airline or hotel of your preference with no blackout dates.

Since your points are worth a fixed value when redeeming this way, it is often a good option when flying in economy or staying at mid-range hotels.  For thrifty travelers that find airfare deals or hotel sales, you might actually use fewer points than transferring to an official frequent flyer program.

The Thrifty Gist

• The Chase Sapphire Preferred is the best travel credit card, offering a welcome bonus of 60,000 Ultimate Rewards points (worth $750!)
• You can transfer Chase Ultimate Rewards points you earn with the card to flight and hotel partner programs, or redeem them for any bookable travel with no blackout dates online for maximum flexibility
• The card’s annual fee pays for itself with the welcome bonus, no foreign transaction fees, and benefits like travel protections and CDW insurance
• Looking for other options? Check out our list of the BEST travel credit cards of the year , and learn more about how to get free flights with travel credit cards & points .

Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions expressed here are author's alone. Responses 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.

Disclosures Many of the listings that appear on this website are from companies which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Does My Chase Credit Card Have Travel Insurance?

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Table of Contents

Chase credit cards with travel insurance

How it works, terms and conditions, how to make a claim with chase, when to consider adding additional insurance to your trip, if you want to use chase credit card travel insurance.

Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards® , Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance . However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

Aer Lingus Visa Signature® Card .

Aeroplan® Credit Card .

Prime Visa .

British Airways Visa Signature® Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Freedom® Student credit card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Chase Slate Edge℠ .

Iberia Visa Signature® Card .

IHG One Rewards Premier Credit Card .

IHG One Rewards Premier Business Credit Card .

IHG One Rewards Traveler Credit Card .

Ink Business Cash® Credit Card .

Ink Business Plus® Credit Card.

Ink Business Preferred® Credit Card .

Ink Business Unlimited® Credit Card .

Marriott Bonvoy Bold® Credit Card .

Marriott Bonvoy Boundless® Credit Card .

Southwest® Rapid Rewards® Performance Business Credit Card .

Southwest Rapid Rewards® Plus Credit Card .

Southwest® Rapid Rewards® Premier Business Credit Card .

Southwest Rapid Rewards® Premier Credit Card .

Southwest Rapid Rewards® Priority Credit Card .

Starbucks® Rewards Visa® Card .

World of Hyatt Credit Card .

World of Hyatt Business Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

United℠ Business Card .

United℠ Explorer Card .

United Gateway℠ Card .

United Quest℠ Card .

» Learn more: The best travel credit cards right now

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

Trip delay insurance .

Trip cancellation insurance .

Trip interruption insurance .

Baggage insurance .

Rental car insurance .

Travel accident insurance.

Emergency medical and dental.

Emergency evacuation and transportation .

If you're already feeling overwhelmed by this new jargon, take a peek at our Beginner's Guide to Travel Insurance .

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

» Learn more: Best credit cards for travel insurance benefits

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve® , will provide superior coverage compared to others.

» Learn more: The NerdWallet guide to the Chase Sapphire Reserve® 's travel insurance benefits

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

If you're booking award travel, the taxes and fees you pay with your card will still qualify you for travel insurance.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card , your trip must have been delayed by one of these causes: Equipment failure, inclement weather , strike or hijacking/skyjacking.

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected] . You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

Charge receipt showing the airfare transaction was made on your account.

Receipts for your claimed delay expenses.

Copy of the settlement from the carrier and any other reimbursements made to you.

Your original itinerary.

A statement from the carrier indicating why you were delayed.

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan . This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses , including hospital treatment and extensive quarantine , would be a good idea.

» Learn more: Airline travel insurance vs. independent travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450 ) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 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 Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

What you need to know about the Wells Fargo Autograph Journey Visa Card

• How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
• 4 important details about the Autograph Journey 

This New Travel Credit Card Could Dethrone The Chase Sapphire Preferred

Between its flexible rewards and point-transfer opportunities, the new Wells Fargo card could be a worth-while choice.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

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Wells Fargo’s newest credit card -- the Wells Fargo Autograph Journey℠ Visa® Card* -- is open for online applicants. It’s a competitive offer that could give incumbent travel credit cards from  Chase ,  American Express  and  Capital One  a run for their money.  

Wells Fargo does one thing better than its competitors: It offers a more flexible rewards program that doesn’t require booking travel in a portal to earn the highest rates.

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of  the best travel credit cards , plus four insider tips to help  you  decide if you should add it to your credit card lineup.

Before we dive into the hidden features and benefits, here’s an overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

Chase Sapphire Preferred® Card

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

4 important details about the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

4. You may need to wait to apply

If you’ve applied for another Wells Fargo card in the last six months, you’ll likely have to wait a little longer before applying for the Autograph Journey.

Wells Fargo states in its terms and conditions, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”

So if you want the new Autograph Journey, you should steer clear of applying for other cards from Wells Fargo for now. If you’re approved and use the card responsibly for six months or longer, you can consider adding additional Wells Fargo credit cards to your portfolio.

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

The best credit cards for booking cruises

Editor's note: This is a recurring post, regularly updated with new information and offers.

There is one common question we get from TPG readers who are cruise enthusiasts: What are the best credit cards for booking cruises?

It might seem logical that the best way to earn rewards on cruise bookings is to get a cruise line cobranded credit card . However, these generally don't offer as solid of a value as the best travel credit cards .

For example, the Royal Caribbean® Visa Signature® Card currently offers a sign-up bonus of 25,000 bonus points (worth $250 in onboard credit) after you spend $1,000 within 90 days of account opening and an ongoing rate of 2 points per dollar on Royal Caribbean and Celebrity Cruises purchases. This might seem like a good bonus, but you can actually get a much better value from the welcome bonus on most general travel credit cards.

The information for the Royal Caribbean Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

If you want to get the most value from your vacation purchases, here we explore the best credit cards for booking cruises and why you always want to pay for your vacation at sea with a credit card.

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

Why use a credit card to book your cruise?

At TPG, we recommend using a credit card whenever and wherever possible so you always earn rewards on your purchases. When it comes to cruises, you'll get some serious benefits by booking with a credit card.

Earn points and miles

A cruise is a significant expense, which means it's an opportunity to earn significant rewards. You can use a cruise booking to help you hit a spending requirement and earn a valuable welcome bonus on a new card or earn rewards to put toward future travel by using a card that earns bonus points on travel purchases .

Protect from billing mistakes

We've all experienced billing mistakes and the headaches that come with them. If you use cash or a debit card for your cruise, a billing mistake can mean money is already gone from your account before you realize there's an issue. By using a credit card, your money is safe while you work to get the issue resolved .

Protect your spending

Many travel rewards cards come with trip delay and cancellation insurance , so you'll be protected if your travel plans go awry. If you plan on doing significant shopping while on your ship, you can use a card with purchase protection to ensure your item arrives safely home.

Related: Everything you need to know about cruise insurance

When deciding which credit card to use for booking cruises, you'll want to consider the rewards a card earns on cruises and benefits like travel and shopping protections. You can also benefit from a card's more specific perks, like statement credits for travel and airport lounge access.

With this in mind, we recommend these credit cards for booking a cruise:

The information for the American Express Green Card and U.S. Bank Altitude Reserve Visa Infinite Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

American Express Green Card

Welcome bonus: Earn 40,000 Membership Rewards points after spending $3,000 in your first six months of card membership, worth $800 according to TPG valuations .

Annual fee: $150

Why it's great for booking cruises: The Amex Green earns 3 points per dollar on travel purchases , including cruises. This means you'll earn bonus points on the cruise booking as well as any airfare or hotel purchases you make to get to and from your cruise. You'll also get trip delay insurance * that covers you up to $300 per trip (maximum of two claims per 12-month period) and purchase protection † for up to 90 days after you make a purchase.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

†Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For more details, please see our full review of the Amex Green .

Related: Who should (and shouldn't) get the Amex Green?

Bank of America Premium Rewards credit card

Welcome bonus: Earn 60,000 bonus points after spending $4,000 in the first 90 days of account opening, worth $600.

Annual fee: $95

Why it's great for booking cruises: The Bank of America Premium Rewards credit card earns 2 points per dollar on all travel purchases, including cruise line purchases as well as hotel and airline purchases. You'll also get travel protections such as trip delay/cancellation/interruption insurance and purchase protection for up to 90 days after your date of purchase.

And if you're a Bank of America Preferred Rewards® member, you'll earn an additional 25%-75% rewards bonus on every purchase — giving you an even greater return on your cruise spending.

For more details, please see our full review of the Bank of America Premium Rewards credit card .

Apply here: Bank of America Premium Rewards credit card

Related: Everything you should know about Bank of America's Preferred Rewards program

Capital One Venture Rewards Credit Card

Welcome bonus: Earn 75,000 Capital One miles after spending $4,000 in the first three months from account opening, worth $1,388 according to TPG valuations .

Annual fee: $95 (see rates and fees )

Why it's great for booking cruises: The Capital One Venture Rewards earns 2 miles per dollar on all purchases, including cruise bookings. You can redeem the rewards you earn for a statement credit to cover travel expenses, including cruise line purchases. You'll also get travel and emergency assistance services.

For more details, please see our full review of the Capital One Venture Rewards .

Apply here: Capital One Venture Rewards

Related: 7 reasons to get the Capital One Venture Rewards card

Capital One Venture X Rewards Credit Card

Annual fee: $395 (see rates and fees )

Why it's great for booking cruises: Like the Venture Rewards, the Venture X earns 2 miles per dollar on all purchases, including cruises, and comes with several travel protections. What makes the Venture X stand out is that it can make your trip run more smoothly with additional perks like complimentary airport lounge access, a statement credit for TSA PreCheck or Global Entry and a $300 annual credit for travel booked through Capital One Travel.

For more details, please see our full review of the Capital One Venture X .

Apply here: Capital One Venture X

Related: Is the Venture X worth the annual fee?

Chase Sapphire Preferred

Welcome bonus: Earn 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months from account opening, worth $1,230 according to TPG valuations .

Why it's great for booking cruises: The Chase Sapphire Preferred earns a valuable 2 points per dollar on travel purchases , including cruise bookings. What makes this card stand out is its impressive travel protections . When you use it to book travel, you'll get protection against lost or delayed baggage, as well as trip delays, accidents and cancellations.

For more details, please see our full review of the Chase Sapphire Preferred .

Apply here: Chase Sapphire Preferred

Related: Why the Chase Sapphire Preferred is perfect for the average traveler

Chase Sapphire Reserve

Annual fee: $550

Why it's great for booking cruises: The Chase Sapphire Reserve earns 3 points per dollar on travel purchases, including cruise bookings. You'll also get a slightly better suite of travel protections than with the Sapphire Preferred, plus airport lounge access and a credit for TSA PreCheck or Global Entry. Perhaps the best perk on this card, however, is a $300 annual travel statement credit automatically applied to travel purchases, meaning you can get $300 back on your cruise booking when you use this card to pay.

For more details, please see our full review of the Chase Sapphire Reserve .

Apply here: Chase Sapphire Reserve

Related: Chase Sapphire Preferred vs. Sapphire Reserve

The Platinum Card from American Express

Welcome bonus: Earn 80,000 Membership Rewards points after spending $8,000 in the first six months of card membership, worth $1,600 according to TPG valuations .

Annual fee: $695

Why it's great for booking cruises: You won't earn bonus points on cruise bookings with this card, but you'll get access to the Amex Cruise Privileges Program , where you'll receive onboard credit and an extra onboard amenity for each cruise booking. Plus, the Amex Platinum earns 5 points per dollar on flights (when booking with the airline or through Amex Travel on up to $500,000 on these purchases per calendar year) and comes with comprehensive airport lounge access , so it's also great for booking travel to and from your cruise departure port.

For more details, please see our full review of the Amex Platinum .

Apply here: Amex Platinum

Related: How to maximize benefits with the Amex Platinum

U.S. Bank Altitude Reserve Visa Infinite Card

Welcome bonus: Earn 50,000 bonus points after spending $4,500 in the first 90 days of account opening, worth $750.

Annual fee: $400.

Why it's great for booking cruises: The Altitude Reserve earns 3 points per dollar on travel purchases and comes with up to $325 in annual credits for travel purchases. This means you can get $325 back on your cruise booking when you use this card.

For more details, please see our full review of the Altitude Reserve .

Related: Best credit cards with annual travel statement credits

Bottom line

Using the right credit card to book your cruise allows you to rack up some serious rewards on your booking and protect yourself against a wide range of mishaps. Whether you're focused on hitting a valuable sign-up bonus to help fund your next trip or earning bonus points on your onboard cocktails, you can feel great knowing your card is working hard while you're kicking back at sea.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

For rates and fees of the American Express Green Card please click here .

For rates and fees of the Platinum Card from American Express please click here .

Editorial disclaimer: 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.

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Frugal Traveler

Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users.

By Elaine Glusac

Elaine Glusac is the Frugal Traveler columnist, focusing on budget-friendly tips and journeys.

On Tuesday, the largest credit card companies in the United States reached an agreement with merchants to reduce the so-called swipe fees retailers pay for accepting credit card payments, potentially saving the retailers $30 billion.

These fees also help fund the credit card rewards programs that many travelers redeem for things like free flights and hotel stays, leading points hawks to wonder: Are loyalty programs at risk?

Here’s what we know so far about the changes.

What are the terms of the deal?

Last year, credit card payments generated an estimated $72 billion in fees paid by merchants, which are generally passed along to customers in the form of higher prices. For nearly 20 years, merchants have been seeking reductions in the fees they pay Visa and Mastercard for handling transactions where the cards are used.

The proposed settlement , awaiting approval in a federal court, reduces and caps those fees for five years. It would also allow merchants to potentially charge consumers more based on the card they pay with. For example, a person paying with a premium card like the Chase Sapphire Reserve, which costs $550 a year, could be charged more than someone paying with the more basic Chase Sapphire Preferred card, with an annual fee of $95.

Why does it matter?

The majority of the fees collected go back to the banks that issue the credit cards. Those banks have used the funds to push premium credit cards that offer loyalty points, which can be redeemed for free travel and other perks. The cards with the biggest benefits tend to be those that charge higher swipe fees.

While the reduction in the fees collected sounds small — averaging at least .07 percent — they represent an estimated $30 billion over the five-year term of the deal, which banks could try to make up by reducing points perks.

“It’s reasonable to think that,” said Brian Kelly, the founder of the Points Guy , a news site devoted to maximizing credit card points.

While he speculated that banks will be able to “find other ways to make up the difference,” he acknowledged that a points squeeze could emerge.

“Opportunities to earn probably aren’t going to flourish,” he said.

The idea that merchants could charge more to the holders of premium, perks-rich cards, which are expensive, might also deter consumers from using them. Some experts question the viability of the practice given the potential for consumer backlash.

Is the new agreement related to the Credit Card Competition Act?

The legal actions that led to the new credit card agreement date back to 2005. But the newer Credit Card Competition Act , proposed in 2023, aims to introduce more competition in the credit card payment system. By creating a cheaper alternative pipeline for processing payments, the proposed legislation is seen as a greater threat to rewards programs.

Responding to the just-announced agreement between the credit card companies and retailers, Senator Dick Durbin, Democrat of Illinois, and the lead sponsor of the Credit Card Competition Act, released a statement urging the act’s passage.

“I fear that this deal only provides temporary concessions negotiated by a few lawyers behind closed doors,” he said in the statement.

Other experts said the agreement may ease the pressure on Congress to pass the act.

“I think it’s a way for Visa and Mastercard to show that they are making a good-faith effort to help out merchants by lowering the fees they’ve been complaining about for 20 years, and hopefully enough to let senators know they’re doing their part,” said Chris Hassan, the social media and brand manager for Upgraded Points , a website that tracks credit card benefits.

Separately, the proposed merger between Capital One and Discover, which is pending federal approval, could introduce more competition among credit cards and potentially improve rewards for holders of those cards.

What should I do now?

The points and payments systems won’t change until the agreement is approved, which is expected in late 2024 or early 2025, according to a news release from Mastercard.

But the topic should remind travelers of the reality of playing with points: The rules always change. Values tend to fall as redemption levels rise, which companies issuing these currencies are free to adjust at will.

If you have points, spend them, say experts like Sara Rathner, a travel and credit card specialist at the financial website NerdWallet . “They’re not a trophy to dust and admire.”

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

Italy :  Spend 36 hours in Florence , seeking out its lesser-known pockets.

Southern California :  Skip the freeways to explore the back roads between Los Angeles and Los Olivos , a 100-mile route that meanders through mountains, canyons and star-studded enclaves.

Mongolia : Some young people, searching for less curated travel experiences, are flocking to the open spaces of this East Asian nation .

Romania :  Timisoara  may be the most noteworthy city you’ve probably never heard of , offering just enough for visitors to fill two or three days.

India: A writer fulfilled a lifelong dream of visiting Darjeeling, in the Himalayan foothills , taking in the tea gardens and riding a train through the hills.

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

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Wells fargo autograph journey card review — outstanding value for a $95 annual fee travel card, the wells fargo autograph journey is set to compete with the top travel credit cards..

The Wells Fargo Autograph Journey℠ Visa® Card is a new travel credit card that has what it takes to compete with the top cards in this class. It has a generous welcome offer, earns rewards points at a high rate and, starting on April 4, 2024, the card will allow you to transfer rewards points to partner travel loyalty programs.

If you're looking for your next travel card, CNBC Select has the details you need to know to decide if the Autograph Journey card is right for you.

Wells Fargo Autograph Journey℠ Visa® Card

Earn 5X points on hotels; 4X points on airlines; 3X points on other travel; 3X points on dining. Plus earn 1X points on other purchases

Welcome bonus

Earn 60,000 bonus rewards points when you spend $4,000 in purchases in the first three months.

Regular APR

21.24%, 26.24%, or 29.99% variable based on your creditworthiness

Balance transfer fee

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.

Foreign transaction fee

Terms apply

• Excellent rewards rate for hotel, airfare and travel
• Strong welcome bonus
• Access to transfer partners
• Fewer transfer partners than comparable programs
• Doesn't have several key travel protections (trip delay, primary rental car coverage in the U.S.)

Wells Fargo Autograph Journey℠ Card review

Benefits and perks.

• How to earn and redeem points

Rates and fees

Card comparison, is the wells fargo autograph journey℠ card right for you, bottom line.

New Wells Fargo Autograph Journey Visa Card members can earn 60,000 rewards points after spending $4,000 on purchases with the card in the first three months of account opening. You can currently redeem Wells Fargo rewards points for one cent per point (though they'll likely be worth more when you can transfer them to travel loyalty programs) which means the bonus is worth at least $600.

The Wells Fargo Autograph Journey Visa Card has a $50 annual airline credit, which you'll earn when you make an eligible purchase of at least $50. This easy-to-use benefit applies to anything from airfare to baggage fees. If you take the airline credit at face value, it makes the card's effective annual fee $45 (down from $95).

Cardholders will also appreciate this card's travel protections, which include:

• Travel and emergency assistance
• Rental car coverage (secondary in U.S.)
• Lost baggage reimbursement
• Roadside Dispatch
• Trip cancellation and interruption protection
• Travel accident insurance
• Cell phone protection

As a Visa Signature® card , you can use Visa Signature Concierge and book stays with the Visa Signature Luxury Hotel Collection. The concierge services can help you get travel, entertainment and dinner reservations. And when you reserve a stay through the Visa Signature Luxury Hotel Collection, you'll receive benefits such as free breakfast for two, room upgrades (when available) and a $25 food and beverage credit.

How to earn and redeem rewards

The Wells Fargo Autograph Journey Visa Card is one of the most rewarding cards for booking hotels and flights. A nice convenience with this card is that you don't need to book through a specific site or travel portal to earn the following high rates on your purchases:

• 5X points on hotels
• 4X points on airlines
• 3X points on all other travel
• 3X points on restaurants
• 1X points on all other purchases

You can redeem Wells Fargo Rewards in many ways, including gift cards , travel (booked through Wells Fargo), statement credit and ATM withdrawals. All of these redemptions provide a value of one cent per rewards point, so 10,000 points are worth $100.

Once travel partner transfers go live on April 4, 2024, you'll have an opportunity to dramatically boost the value and versatility of your Wells Fargo Rewards. The initial lineup of partners is:

• Choice Privileges®
• Air France-KLM
• Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Iberia Plus

Wells Fargo plans to announce new transfer partners, but this is a useful starting group. With these partners, you can book flights with every major airline alliance and most of the biggest U.S.-based airlines.

If you're interested in flights on domestic U.S. airlines, you can book American Airlines and Alaska Airlines flights through British Airways, with flights under 650 miles in distance for just 7,500 points and flights under 1,151 miles for just 9,000 points. You can reserve flights on United Airlines through Avianca for as little as 7,500 miles one-way. And if you want to book a flight on Delta, you can book through its partner Air France-KLM.

Let's say you want to visit Europe — you could transfer the 60,000 points you earn from the welcome bonus to Avianca and book a round-trip award from almost anywhere in the U.S. to your European destination. Avianca often charges fewer miles for certain trans-Atlantic flights, so you could have points left over after visiting Europe

If you want to fly in style, Iberia offers one-way business-class awards from cities such as Chicago, Boston and New York to Spain for only 34,000 miles each way. That's a great deal for a ticket that can easily cost more than $3,500.

The Wells Fargo Autograph Journey Visa Card charges a $95 annual fee. It has no foreign transaction fees and the standard APR is a variable 21.24%, 26.24%, or 29.99% based on your creditworthiness.

Wells Fargo Autograph Journey℠ Visa® Card vs. Chase Sapphire Preferred® Card

Chase sapphire preferred® card.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

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 Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Credit needed

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Chase Sapphire Preferred® Card is similar to the Wells Fargo Autograph Journey Visa Card . Both cards have a $95 annual fee, travel protections and offer a variety of redemption options (including points transfers).

However, the Sapphire Preferred stands out in a few ways. It has a more robust list of travel protections including, trip delay reimbursement, primary rental car insurance, purchase protection and extended warranty protection . Unless you need cell phone coverage , the Sapphire Preferred has a better set of built-in insurance benefits compared to the Autograph Journey.

The Autograph Journey card earns more for most travel purchases, but the problem is Wells Fargo currently has a much smaller list of transfer partners. You can transfer the points you earn with Chase to 14 airlines and hotels including, Hyatt, Marriott, Southwest, Air Canada, Virgin Atlantic and United. As Wells Fargo adds more partners it may catch up, but right now Chase Ultimate Rewards points have a higher potential value and provide more versatility.

Wells Fargo Autograph Journey℠ Visa® Card vs. Capital One Venture Rewards Credit Card

Capital one venture rewards credit card.

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% variable

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees , terms apply.

If you don't spend much on travel or dining, the Capital One Venture Rewards Credit Card can be more rewarding because it earns at least 2X miles on every purchase. That means you could earn double the rewards on any purchases that fall outside of the Autograph Journey's bonus categories.

Capital One has 18 travel partners and direct access to all of the programs partnered with Wells Fargo except for Aer Lingus and Iberia. However, both of those airlines are part of the Avios program and you can transfer your Capital One miles from British Airways to Aer Lingus and Iberia. The only clear advantage the Autograph Journey has in the points transfer department is a better 1:2 transfer ratio to Choice Hotels. Unless you base your travel plans around using Choice points, the Venture Rewards card may be a stronger option for consumers who don't spend heavily on travel and dining.

It won't be hard for anyone interested in travel to justify having and holding the Wells Fargo Autograph Journey Visa Card . The points you'll earn for hotel (5X) and airline (4X) purchases are stunningly high and apply to any purchase in those categories. Even if you didn't earn bonus rewards points with hotels and airlines, you could make a strong case for getting this card because of the 3X points it earns for general travel and dining purchases. Plus, the $50 annual airline credit shouldn't be hard to use and helps offset more than half of the card's $95 annual fee.

However, if you want to earn rewards on spending other than dining and travel, other cards might be a better fit. And while the Autograph Journey has many good insurance benefits, it's missing a few key coverages such as primary rental car coverage .

The Wells Fargo Autograph Journey Visa Card has come out of the gate running and already compares favorably to the top travel credit cards. You'll be hard-pressed to find a more rewarding option for hotel and airline purchases . Cardholders will also soon have access to transfer partners, and although the list of partners is smaller than comparable programs, it will grow from here.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards.

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How the Capital One Venture X travel credit can save you $300 on your next trip

Editor's Note

As the saying goes, don't judge a book by its cover – and the same phrase can be applied to a credit card's annual fee.

Take the Capital One Venture X Rewards Credit Card , for instance. While this premium rewards card sports a $395 annual fee (see rates and fees ), several ongoing valuable perks help offset the full cost of that figure.

Those perks are in addition to a nice sign-up bonus : 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

One of the ongoing principal benefits that Venture X cardholders receive each year is $300 in annual credits that apply toward bookings made on Capital One Travel . Let's take a closer look at the Venture X annual credit, how you can make the most of it — and why you may want to apply now.

What is the Venture X $300 travel credit?

Venture X cardholders receive $300 in credits each cardmember year (not calendar year) toward travel, including the year you open the card. That means you can get $300 in value from the Venture X immediately.

But there is one caveat: The credit only applies to bookings made through the Capital One Travel portal .

The Capital One Travel portal is an online travel agency (OTA). It can be best compared to those offered by other issuers, such as Amex Travel and the Chase Travel℠ portal. What sets Capital One's portal apart is that it has partnered with Hopper , a travel booking startup with excellent predictive pricing technology that can help cardholders ensure they get the best price.

Cardholders can log into the Capital One Travel portal to book things like airfare, hotel stays and rental car reservations. The $300 credit will then be applied to those purchases.

Even better, the credit can be used across one or multiple transactions until the $300 limit is reached, and no registration is required. This means the credit will automatically apply to transactions until you hit the $300 mark without you needing to do any additional work to take advantage of this perk.

Related: A full review of Capital One Venture X

Booking through Capital One Travel vs. booking direct

At face value, the requirement to use the Capital One Travel portal might feel like a limitation, especially when you consider the benefits of booking travel directly.

For instance, when booking certain hotels or car rentals through any third-party service – including Capital One Travel and other credit card issuers' travel portals – you will typically forfeit elite-status benefits and the ability to earn elite-qualifying credits and points within these loyalty programs.

However, for flights and independent hotels (including Disney resorts , for those who love visits to the Disney parks), booking through the Capital One Travel portal still makes a lot of sense since you wouldn't earn hotel points anyway. Flights booked this way usually still earn points and elite-qualifying miles, the same as booking directly.

Finally, Capital One Travel has several unique features thanks to its partnership with Hopper.

This includes an integrated price prediction and matching tool along with a best-price guarantee. Capital One also offers the option to purchase cancel-for-any-reason (CFAR) flight coverage , and price freeze protection, allowing folks to lock in a price they find on the portal for a fee until they're ready or able to book.

Earning miles through Capital One Travel

Aside from how easy it is to maximize that $300 credit, there is one other excellent reason to use the Venture X to book travel through the Capital One Travel portal: the bonus-earning opportunities.

The Venture X has a simple earning structure, accruing 2 miles per dollar on most charges. However, it features elevated earning rates for bookings made via Capital One Travel:

• 10 miles per dollar on hotels and car rentals booked via Capital One Travel
• 5 miles per dollar on flights booked via Capital One Travel

So, by using the Venture X for Capital One Travel purchases, you can ensure you take full advantage of your $300 annual credit and then earn bonus miles on your other bookings above and beyond that threshold.

You should also look into how you can stack rental car perks using Hertz and the Venture X, saving yourself a lot of time, money and hassle leaving the airport and getting your vacation started.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Earn miles while using the credit

Venture X cardholders can receive the $300 annual Capital One Travel credit while still earning miles (at the applicable rate).

For instance, let's say you booked a hotel for exactly $300 through the Capital One Travel portal. You'd be credited $300 on your statement, and you would also earn 3,000 miles ($300 multiplied by 10 miles per dollar) for the "purchase." That's very generous on Capital One's end.

How does this travel credit compare to other premium cards?

Two major competitors to Venture X in the premium card space are The Platinum Card® from American Express and Chase Sapphire Reserve® .

Both the Chase and Amex products carry higher annual fees but also extend an array of additional perks that may be useful for some consumers. They each carry travel-specific benefits that are worth comparing to the Venture X.

Chase Sapphire Reserve

The Chase Sapphire Reserve charges a $550 annual fee, and one of its standout perks is a highly flexible $300 annual travel credit . Unlike Capital One's requirement to use a proprietary booking portal, Chase allows Sapphire Reserve cardholders to earn their $300 back on a wide variety of travel transactions , regardless of whether they book directly with a hotel or airline or through Chase Travel.

Amex Platinum

The Amex Platinum charges a $695 annual fee (see rates and fees ), with an array of built-in statement credits that help offset the yearly cost of the card.

The two perks that are most similar to Capital One's are an up-to-$200 airline incidental fee statement credit each calendar year and up to another $200 in statement credits on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings (of two or more nights) made through Amex Travel when you pay with your Amex Platinum. Enrollment is required for select benefits.

Bottom line

Premium credit cards tend to feature high annual fees but often, the protections, credits and perks they offer make up for a large chunk of those annual fees.

In the case of the Venture X, a $300 annual credit applied to Capital One Travel bookings significantly offsets the card's $395 annual fee (see rates and fees ), and it can be a great way to save money on travel . This also effectively reduces the cost of the annual fee to $95 once you've maxed out that $300 credit.

If you plan to apply for the Capital One Venture X — or have the card already — you will want to familiarize yourself with the travel portal to ensure you get the most out of this benefit.

Apply here: Capital One Venture X with 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

For rates and fees of the Amex Platinum Card, click here .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Chase Pay Over Time

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Get more flexibility with Chase Pay Over Time ℠

Break up eligible credit card purchases into budget-friendly payments.

Introducing Chase Pay Over Time ℠

Access more options to pay over time for purchases made on your participating Chase credit card. With Pay Over Time, you can break up purchases you've already made, and, coming soon , at checkout when you shop online at Amazon.com.

Equal monthly payments

Choose your plan duration and make fixed equal monthly payments

No credit check

No application or credit check needed

Same rewards

You still earn rewards as you do today for purchases

Don’t have a Chase credit card? Find a card that fits your needs.

Two ways to use Pay Over Time

After purchase.

(formerly My Chase Plan ® )

• Sign in to your account on chase.com or the Chase Mobile ® app and select a participating credit card
• Select “Pay Over Time” next to an eligible purchase of $100 or more and choose a plan duration that works for you
• Pay for your purchase over time with no interest — just a fixed monthly fee

Coming Soon! At checkout on Amazon.com

• Add your participating Chase credit card to your Amazon.com wallet
• When your cart totals $50 or more , select your Chase credit card with "Financing offers available" during checkout
• Choose your plan duration and pay for your purchase over time with a fixed APR that’s the same or lower than your standard variable purchase APR

Frequently asked questions

What is chase pay over time℠.

Chase Pay Over Time lets Chase customers break up eligible credit card purchases into budget friendly payments. You have two ways to pay over time:

• After purchase: Pay off a purchase over time in fixed, equal monthly payments. There’s no interest for this purchase once it’s placed in a plan, just a fixed monthly fee.
• At checkout: Eligible Chase credit cardmembers with eligible Chase credit cards in their Amazon wallet may have the option to create a payment plan at checkout on Amazon.com with Chase Pay Over Time.

Who is eligible for Chase Pay Over Time?

• After purchase (formerly My Chase Plan) : Chase Pay Over Time is available on most of our consumer credit cards. Click here for a complete list of participating Chase credit cards . Next, scroll down the page to the last FAQ: "Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made?" Small business cards are not eligible at this time.
• At checkout: Chase Pay Over Time at checkout is rolling out in phases and is currently only available on Amazon.com for select Chase cardholders. When available, you’ll see the “Financing offers available” option during checkout on Amazon.com. Small business cards, Amazon cobrand cards and Chase Mastercards are not eligible.

Keep in mind: Even though you may have a participating card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

How do I create a Chase Pay Over Time plan?

• After purchase: You can start a plan from an eligible purchase in your account activity, or through the Pay Over Time dashboard on chase.com . You can also use the dashboard to check the status of your plans.
• Add your eligible Chase credit card to your Amazon wallet
• Add to your cart eligible item(s) totaling at least $50.00
• You will then be able to view Chase Pay Over Time plans (including the fixed APR and durations) at checkout. Your Chase Pay Over Time plan options may vary based on the total purchase amount, the duration you choose to pay the balance in full and other factors.

What purchases are eligible for Chase Pay Over Time?

• After purchase: Purchases of $100 or more with the "Pay over time" option next to the transaction amount in your credit card account activity are eligible. You can also find a list of eligible purchases after you choose "Create a plan" on the Pay Over Time dashboard.
• At checkout: Orders totaling $50 or more in US dollars made using your participating Chase credit card at Amazon.com are eligible for Chase Pay Over Time. Amazon may designate any item as ineligible for Chase Pay Over Time. Examples of orders ineligible for Chase Pay Over Time include, but are not limited to: Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save (if your order includes a recurring subscription, then only the first month's subscription fee will be eligible).

How do I make payments for Chase Pay Over Time?

There's no need to make any separate payments for your active Pay Over Time plans. We'll automatically add the monthly plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your plan balance on time.

If you already have automatic payments turned on for your account, and you've set it to pay your “statement balance” each month, consider updating your payment amount to “interest saving balance” once your plan request is confirmed. When you choose this option, you won't pay off your entire plan balance earlier than intended, and you'll still avoid interest on new purchases.

Still have questions? See the full frequently asked questions .

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