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8 Easy Ways to Get “FREE” Amtrak Tickets (2022 update)

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8 Ways to Get “FREE” Amtrak Tickets

Whether you’re planning on a long vacation or a weekend getaway, vacationing by Train is an amazing experience.  Use these tips towards making your vacation free or more affordable. Even if the price is not an object, who wouldn’t want free Amtrak Tickets? Getting Free Amtrak Tickets or at a large discount to me makes Train Travel even more appealing!  Plus, with Amtraks 500 destinations what are you waiting for?

8 ways to Get Free Train Travel in the USA:

1. Join the Amtrak Guest Rewards Membership. This is a way to earn points towards free Train Travel or gift certificates. Plus, you will receive member-only coupons. No fee to sign up.

2. Purchase 1 Ticket, Get 1 Free for Saturdays with paired cities.

3. Amtrak “World Mastercard” & “Platinum Mastercard”: Get 1 complimentary ticket for signing up and 1 complimentary ticket every year that you renew your card.

4. Free travel for 1 child under the age of 2 per paying adult, as long as they don’t occupy a separate seat.

5. (My favorite Freebie) Multi-City tickets= Free 23.5 hour stopovers. Here’s how it works: Buy your ticket from point A to point B. Hop off at a stop in between, stay overnight or not, as long as you hop back on within 23.5 hours to complete your destination. You only pay for 1 ticket instead of 2 separate tickets. The only stipulation is the stop has to have more than 1 train stop per day to be within 23.5 hours.

6. When you upgrade to a Sleeper, the first person will pay full price. The 2 nd person will get the upgrade for free when sharing a room. The 2 nd person will only be paying for a coach ticket. Plus you both receive 3 meals a day in the dining car for free. Don’t forget the tip though.

7. Volunteer as a Guide: The Rails and Trails Education Program is onboard several long-distance routes. Similar to that of a tour guide. The volunteers make connections with other travelers to discuss valuable topics of the regions they are traveling through.

8. Amtrak does give away Free Amtrak Tickets to Cross Country trips through clever #amtraktakemethere advertising campaigns. It’s a Win-Win situation.

• 2022 This year Amtrak is continuing with the “Amtrak Take Me There” theme follow along @amtraktakemethere / #amtraktakemether to see 6 very different journeys aboard the rails
• 2021 This year’s Social Media campaign chose 8 people on board long-distance trains to showcase how different walks of life travel by rail
• 2019 campaign was called #amtraktakemethere. They gave away 8 free scenic long haul round trips that include a private Sleeper Car and $1000 of spending money

2018 campaign was “Amtrak Residency Program” a group of writers won a chance to travel across the country by train. Check out their work at blog.amtrak.com

Free Planner: 6 steps to Vacation by Train (USA)

7 Easy Ways to Reduce Travel Costs

Some other good Amtrak Discounts to check into:

How to Get Discounts on Amtrak Tickets:

Check out the Amtrak Smart Fare page for the advertised Weekly Specials. You may be able to get up to as much as 30% savings.

Regional “Promo Code” discount range from 10%-50% off

BOGO Promotions Buy 1, Get 1-50% off

Book early for the lowest ticket rates. You can book a ticket for up to 11 months in advance.

Book a non-reserved seat

Disabled passengers plus 1 companion are eligible to receive a 10% discount on tickets

National Association of Railroad Passengers (NARP) Membership 10% Discount

Group bookings of 20 or more could have a 20% savings

A Group of 4 can be eligible for a 35% discount

Children ages 2-12 are eligible to receive 50% off of the rail portion of Train Travel

Seniors age 65 and over are eligible to receive 10% off of the rail portion of Train Travel

Active Duty Military personnel, their spouses, and dependents are eligible to receive a 10% discount off of the rail portion of Train Travel

Age 60+ are eligible for a 10% discount on cross-border services that are jointly operated by Amtrak and VIA Rail Canada

Various Student Discounts 15%-25% off

Using these tips for Train Travel is a great way to see other parts of the country that you might otherwise not get to see.

The only thing left to do is enjoy the journey!

To stay informed with the up to date deals and discounts Click Here: Subscribe and Save with Amtrak

*Always read the fine print. The discount and membership programs are subject to change without notice. Tickets must be purchased in advance to qualify. ID is required.

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Leave a reply below if you found this information helpul or have any additional ways to get free or discounted Amtrak tickets

Crummy Weather? Here’s 15 Indoor Activities in Lancaster, PA

#6 Top Attraction in Pennsylvania: Andy Warhol Museum

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The best credit cards for Amtrak and train travel

Editor's Note

Whether you're aiming to reduce your carbon footprint or simply eliminate some of the hassles that can come with air travel on shorter trips, you may find yourself opting to travel by train more frequently.

When booking train travel, you'll want to use the right credit card for payment. Many of our favorite travel cards also offer an excellent return in this space, but train travel also unlocks the unique benefits of the Amtrak credit cards.

If you find yourself traveling by train, it's worth your time to take a look at these cards and determine if they are a worthwhile addition to your wallet.

The best cards for Amtrak travel

Amtrak guest rewards® preferred mastercard®.

Sign-up bonus: Earn 20,000 bonus points after spending $1,000 on purchases within the first three billing cycles from account opening.

Annual fee: $99

Perks: Earn 3 points per dollar on Amtrak travel (including onboard purchases), 2 points per dollar on dining, travel, transit and ride-hailing services and 1 point per dollar on all other purchases.

Cardholders also receive a 20% rebate as a statement credit for onboard food and beverage purchases with this card as well as a 5% points rebate when redeeming points with Amtrak. They receive a station lounge pass, one class upgrade and a round-trip companion coupon. Additionally, they are exempt from points expiration.

The information for the Amtrak Guest Rewards Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amtrak Guest Rewards® Mastercard®

Sign-up bonus: Earn 12,000 bonus points after spending $1,000 on purchases within the first three billing cycles from account opening.

Annual fee: $0

Perks: Earn 2 points per dollar on Amtrak travel including onboard purchases, 2 points per dollar on dining and 1 point per dollar on all other purchases. Cardholders receive a 10% rebate as a statement credit for onboard food and beverage purchases, a 5% rebate when redeeming points for travel on Amtrak and an exemption from points expiration.

The information for the Amtrak Guest Rewards Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Best cards for train travel

Of course, an Amtrak Guest Rewards credit card isn't the only way to earn points for train travel. Here is how they compare to some other great options for travelers exploring the world by rail:

*Valuations based on TPG valuations and not provided by the issuer.

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.

Bottom line

If you regularly travel by train, an Amtrak credit card in your wallet is a smart choice.

The additional points per dollar earned on Amtrak travel along with the train-related perks that come with them make the Amtrak cards a smart choice for riding the rails.

While other cards can match the points per dollar earning, Amtrak points are worth more than many other types of points. This means that, for instance, earning 3 points of those points per dollar will have a greater return than earning 3 points per dollar on the Amex Green card .

That said, to realize that increased value, you'll need to redeem the points on Amtrak travel (although you can also redeem them for hotels, car rentals, and cruise, dining and entertainment gift cards).

If you are worried about lengthy delays or cancellations, factoring in various card's built-in trip protections when booking your train ticket may also be wise.

So, for frequent Amtrak travelers, it makes sense to have and use an Amtrak rewards credit card, especially when booking train trips. However, using an all-around top travel card with more flexible rewards is likely a good call for those who aren't frequent Amtrak riders.

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

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Find the best credit card for you

The best credit cards to use for all your amtrak and international train travels, whether you’re riding the rails at home or abroad, these cards will reward you for your train trips..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

There's nothing like watching the world pass you by from a train window, seeing the landscapes change, contemplating the vast scenery around you and passing the time curled up with a good book or chatting with your fellow travelers in the dining car. There's an old-school sort of wonder to it all, whether you're traveling around the U.S. on Amtrak — some journeys are more scenic than others — or riding the rails internationally.

Of course, the whole experience feels a lot more magical when it's a free (or nearly free) one — or if you're earning rewards points or cash-back that you can use to fund even more of your travels.

Below, Select details the best credit cards to use for train travel wherever you are, plus a few tips for saving money on U.S. and international train trips.

Best credit cards for train travel

• Best overall : Chase Sapphire Reserve®
• Best for casual Amtrak travelers : Amtrak Guest Rewards® Mastercard®
• Best for frequent Amtrak travelers : Amtrak Guest Rewards® Preferred Mastercard®
• Best for international train travel : Chase Sapphire Preferred® Card
• Best for earning cash-back rewards on travel : Blue Cash Preferred® Card from American Express
• Best for earning flexible travel rewards points : Capital One Venture Rewards Credit Card (see rates and fees )
• Best business card : Ink Business Preferred® Credit Card

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Best overall

Chase sapphire reserve®.

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 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℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Who's this for? The Chase Sapphire Reserve® stands out for offering an up to $300 annual travel credit, which can be used to cover rail trips. Not only that, cardholders earn a generous 3X points per dollar on other travel, including train tickets.

Beyond that, cardholders can earn 5X points per dollar on flights and 10X points on hotels and rental cars when they're booked through Chase Travel℠ (after your first $300 in travel-related purchases), making it an ideal pick for frequent travelers. You'll also earn 10X points per dollar through Chase Dining, 10X points on Lyft rides through Mar. 31, 2025, 3X points per dollar for all other travel and dining purchases including takeout and delivery and 1X point per dollar for any other spending.

Points are worth 50% more when redeemed for travel through Chase Travel℠, meaning the 60,000-point welcome bonus you can earn after spending $4,000 in the first three months is worth at least $900 in travel. 

While you can't use Ultimate Rewards® points to book train tickets, you can still transfer them to any of Chase's many airline and hotel partners such as Southwest Airlines, United Airlines, IHG, Marriott and Hyatt to enhance your travels, especially if you're flying to a particular country or locale to begin your rail adventure or need hotels to stay in — or a car rental — before or after your train trip.

There is a high $550 annual fee, but in turn, cardholders receive the $300 annual travel credit; a suite of travel and purchase protections; a  Global Entry or TSA PreCheck application fee credit ;  Priority Pass airport lounge access ; extra benefits when you book a rental car with Avis, National Car Rental or Silvercar;  VIP access  to events and experiences; and special perks such as free daily breakfast, late checkout and room upgrades when you book a stay through The Luxury Hotel & Resort Collection.

Best for casual Amtrak travelers

Amtrak guest rewards® mastercard®.

2X points on travel booked with Amtrak (including purchases made onboard), 2X points on dining and 1X points for all other purchases.

Earn 12,000 bonus points after spending at least $1,000 within the first three billing cycles of account membership.

25.24% to 27.49% (variable)

5% of the amount being transferred or $10, whichever is greater

Excellent/Good

See rates and fees, terms apply.

Who's this for? If you're someone who plans the occasional rail journey with Amtrak, the new Amtrak Guest Rewards® Mastercard® issued by First National Bank of Omaha makes a great choice, as it lets you earn 2X points on travel with Amtrak (including purchases made onboard) and dining and 1X points for all additional purchases. You'll also receive a 10% rebate on food and beverage purchases made onboard the train (as a statement credit) and a 5% points rebate when your points are redeemed for travel on Amtrak.

The card has no annual fee, no transaction fees and new cardholders can pick up 12,000 bonus points after spending $1,000 within the first three billing cycles after opening an account, giving you a great head start toward free (or nearly free) train rides considering that Amtrak reward travel starts at just 800 points.

Best for frequent Amtrak travelers

Amtrak guest rewards® preferred mastercard®.

3X points on travel booked with Amtrak (including purchases made onboard); 2X points on travel, dining, public transit and ride-share services; and 1X points for all other purchases.

Earn 30,000 bonus points after spending at least $1,000 within the first three billing cycles of account membership.

Who's this for? For those who travel frequently aboard Amtrak trains, the Amtrak Guest Rewards® Preferred Mastercard® offers similar benefits, but for a reasonable annual fee of $99 provides more perks. For starters, you'll be earning 3X points for Amtrak travel (including purchases made onboard); 2X points on travel, dining, public transit and ride-share services; and 1X points for all other purchases. You'll also score a 20% rebate on food and beverages purchased onboard, in the form of a statement credit, and a 5% points rebate whenever points are redeemed for travel on Amtrak.

As far as additional benefits, cardholders receive several special perks upon account opening as well as on their card's anniversary date, including a round-trip companion coupon, one-class upgrades and station lounge passes. You'll also earn 1,000 tier-qualifying points whenever you spend $5,000 in qualifying purchases with the card.

Now through Dec. 2, 2022, new card members can earn 30,000 bonus points (instead of the usual 20,000) after spending $1,000 within the first three billing cycles of account membership. If you've been a fan of U.S. train travel and are looking for a card that'll help you earn points towards more trips on the rails, this could be a great addition.

Best for international train travel

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

Read our Chase Sapphire Preferred® Card review .

Who's this for? If your primary goal is to earn bonus points on train rides abroad and you don't want to pay a high annual fee, the Chase Sapphire Preferred® Card might be a good choice.

The card has no foreign transaction fees and lets you earn 2X points per dollar on general travel purchases, including train tickets. It also offers 5X points per dollar on travel booked via  Chase Travel SM ; 5X points per dollar on Lyft rides now through Mar. 31, 2025; 3X points per dollar spent with certain streaming services, as well as on dining and online grocery shopping (except Target®, Walmart® and other wholesale clubs); and 1X point per dollar on all other purchases.

With a $95 annual fee, this card packs a punch, offering additional travel benefits such as a $50 Annual Chase Travel Hotel Credit, collision damage waivers for car rentals, trip cancellation and interruption insurance, baggage delay insurance, a 10% points boost to celebrate each card anniversary and special discounts for shopping with  Instacart+ ,  DoorDash , and GoPuff, among other perks.

New cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening, which is worth $750 toward travel when redeemed through Chase Travel SM .

Best for earning cash-back rewards on travel

Blue cash preferred® card from american express.

6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. 

$0 intro annual fee for the first year, then $95.

0% for 12 months on purchases from the date of account opening

19.24% - 29.99% variable. Variable APRs will not exceed 29.99%.

Either $5 or 3% of the amount of each transfer, whichever is greater.

See rates and fees , terms apply.

Who's this for? If you're interested in earning cash-back rewards for your travel purchases and having a 0% intro APR for the first 12 months on purchases from the date of account opening (after, 19.24% - 29.99% see rates and fees ; variable APRs will not exceed 29.99%), consider applying for the Blue Cash Preferred® Card from American Express .

This card lets you earn 6% cash back for shopping at U.S. supermarkets (up to $6,000 per year, then 1%), 6% cash back on certain U.S. streaming subscriptions, 3% cash back on transit (including trains) and U.S. gas station purchases and 1% cash back on all other purchases, making it a great card to use during your travels and when you're using trains closer to home. Terms apply.

Three things to note about this card: While there is an $0 introductory annual fee for the first year, it'll be $95 after that ( see rates and fees ); the cash back you'll earn from using this card is offered to cardholders as Reward Dollars, which can be redeemed as statement credits; and unlike many cards on this list, you'll have to pay foreign transaction fees of 2.7% for using this card outside the U.S.

New cardholders also have an opportunity to earn a welcome bonus of a $250 statement credit after spending $3,000 within the first six months of account membership.

Best for earning flexible travel rewards points

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.

Who's this for? While most travel rewards cards focus heavily on earning points for flights and hotels, the Capital One Venture Rewards Credit Card (see rates and fees ) lets you earn 2X miles for every purchase — plus, 5X miles on hotels and rental cars when you book them directly with Capital One Travel — making it easier to rack up the rewards you'll need to book your train tickets by buying the things you need to buy anyway.

The welcome bonus is pretty decent, too — new cardholders can currently earn 75,000 bonus miles after spending $4,000 within the first three months of card membership — and the card's annual fee of $95 is quite reasonable considering you're also getting a statement credit up to $100 to cover Global Entry or TSA PreCheck® membership and two complimentary visits per year to any Capital One Lounges (or any of the more than 100+ Plaza Premium Lounges through the Partner Lounge Network)(see rates and fees ).

You'll also receive a range of travel-related benefits, including no foreign transaction fees, auto rental collision damage waivers for rental cars and travel accident insurance, as well as access to extra perks through Capital One Dining and Capital One Entertainment .

While you can't transfer miles to Amtrak, you can use them to "erase" recent travel purchases, including those made with Amtrak, at a fixed value of one cent per point. You can also use the miles to cover hotels, flights, rental cars, and other parts of your trip either by booking through Capital One Travel or transferring and redeeming them through any of Capital One's airline or hotel partners, including Accor, Aeroplan, Qantas, Etihad and Singapore Airlines, among others.

Best business card

Ink business preferred® credit card.

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

Who's this for? Similar to the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card , the Chase Ink Business Preferred® Credit Card can be used to rack up Ultimate Rewards® points — 3X points per dollar on your first $150,000 worth of spending in business categories such as travel; shipping; cable, phone and internet services; and advertising expenses, then an unlimited 1X points per dollar for all other purchases.

You can then use those points to cover additional elements of your trip, such as flights, hotel stays or rental cars by booking travel directly through the Chase Travel SM — your points will be worth 25% more that way — or by transferring and redeeming them with any of Chase's many airline and hotel travel partners, including World of Hyatt, IHG, JetBlue and British Airways, among others.

New cardholders can currently earn a welcome bonus of 100,000 bonus points after spending $8,000 within the first three months of account opening, which translates to about $1,250 in travel when redeemed through Chase Travel SM . There is a modest annual fee of $95, but there are no foreign transaction fees for using it abroad. The card also offers fraud and purchase protections and additional employee cards to help you stay on top of all your business needs.

More ways to save money with Amtrak

In general, the earlier you can book your ticket, the better, especially on Amtrak, which releases its schedule 11 months in advance so you'll have plenty of time to plan. You can also save more by making some obvious choices, such as traveling in coach instead of business or first class, or toughing it out long-distance in a regular seat rather than splurging on private Roomette or Bedroom accommodations. Otherwise, here are some more things to be aware of if you're trying to stick to a budget-friendly ride.

Choose your fare class wisely

Amtrak offers several ticketing options depending on your route and what's available when you're booking (which is why buying your tickets early is so important), and each of them offers different perks and policies regarding changes and cancellations.

• Saver: Non-refundable fares, usually the cheapest, with fees that may apply for changing or canceling your ticket
• Value: Fares with refund options and no change fees; often second-cheapest
• Flexible: Fully refundable fares before departure, with no fees for changes or cancellations; typically the most expensive option

Depending on your travel needs and financial situation, it might be worth splurging for a more refundable ticket if you think there might be a need to change or cancel it. On the other hand, budget-conscious travelers might be more apt to risk it all for a cheaper, non-refundable Saver fare.

Take advantage of Amtrak Guest Rewards perks

Don't forget to sign up for Amtrak Guest Rewards , the train company's free loyalty program, which gives you access to perks such as a 25% points bonus on business class travel and Acela business class travel, a 50% points bonus on travel in Acela first class, the ability to earn 2X points per dollar on Amtrak purchases and points-earning opportunities through its partners.

From there, if you travel on Amtrak often and earn enough tier-qualifying points, you can earn status :

• Select: Starting at 5,000 tier-qualifying points, you'll score all the perks of being a regular member, plus a 25% bonus on Amtrak travel, two one-class upgrades, two 10% discount coupons, exclusive offers, priority call handling and two single-visit passes to Amtrak Lounges
• Select Plus: Starting at 10,000 tier-qualifying points, you'll get the same perks as the previous tier, with a few differences — a 50% points bonus on Amtrak travel, four one-class upgrades and two companion coupons.
• Select Executive: Starting at 20,000 tier-qualifying points, you'll have the same perks as the previous tier, but with a 100% points bonus on Amtrak travel, four one-class upgrades (plus another one every time you hit the 3,000 tier-qualifying points mark) and one coupon for Auto Train Priority Vehicle Offloading.

Unfortunately, most loyalty programs no longer let you transfer points to Amtrak Guest Rewards , so your only real option is to call 1-866-313-9635 and transfer Audience Rewards ShowPoints at a 1:1 ratio in 1,000-point increments.

Otherwise, you can earn more points by shopping through the Amtrak Guest Rewards shopping portal or booking hotels and rental cars through Amtrak's partners and, of course, booking Amtrak tickets or signing up for one of its co-branded credit cards. You can also pick up more points by shopping with a litany of retail partners including 1-800-Flowers, Teleflora, Apple, Survey Points Club, QVC, The Home Depot, eBags, NRG Home, Vinesse Wines, Audience Rewards or the Rail Passengers Association.

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Keep an eye on Amtrak's deals and promotions

Amtrak is known for having sales, so it's a good idea to check its deals page from time to time, which lets you search for specials by region. Amtrak recently offered a double points promo on fall travel , for instance, while other deals are related to newly launched routes, buy-one-get-one-free specials on certain segments or 30% off Acela bookings made at least 14 days in advance, among others. In general, though, you'll typically save 20% by booking your tickets at least a week or two ahead.

Save with group or multi-ride rail passes

If you're going to be traveling in a group —with family members, friends or co-workers — you might be able to save by booking your tickets with Amtrak's Share Fares feature, which offers discounts ranging from 17% off for groups of three to 60% off for groups of eight when you book at least two days ahead.

Another option, if you're going to be doing several trips back and forth to the same place within a certain timeframe, is to opt for multi-ride passes — monthly, 10-ride or 6-ride — which allow you to pay a discounted fare and commute more often between two cities.

For those who want to go big or go home with Amtrak, the USA Rail Pass allows you to ride 10 segments over the course of 30 days on many of its most scenic routes for $499 per person. Use the pass to plan a few weekend getaways from your hometown or plan an epic rail journey from coast to coast with a few stops in between — it's up to you.

Another option, the California Rail Pass , offers access to The Golden State's most beautiful train rides for a flat rate of $159 per adult and $79.50 per child, letting you travel anytime for 7 days within a consecutive 21-day period.

How to save more on international train travel

When booking train rides abroad, remember to be flexible. In some places, rail lines frequented by locals might be slower-paced but can save you a few bucks compared to faster trains along popular tourist routes. Try to book in advance whenever you can and consider investing in a rail pass — it's worth checking websites such as Eurail or Rail Europe if you'll be visiting multiple European countries, for instance — if you know you're going to be spending a lot of time on trains during your trip.

Check for deals and discounts, especially if you're a student, senior or traveling with children, and see if regional passes are available if you're sticking to one country or a particular area within a country. Start by checking the tourism websites of the places you're going to see what is recommended since every destination is different.

Bottom line

Though not every travel rewards card allows you to transfer your points directly to Amtrak — except of course for the two Amtrak co-branded credit cards on this list — you can still use flexible rewards-earning cards to rack up enough points to pay for other portions of your trip, such as flights, hotel stays or rental cars. By using certain cards to pay for your Amtrak tickets, you'll be able to earn even more points to help fund future travels.

Before signing up for a new credit card, it's a good idea to check your credit score so you can identify any issues and get a better idea of what your chances are for approval. Make sure you're able to spend within your budget, especially if the card you're interested in has a steep annual fee and think about whether or not you'll be able to use all of its benefits enough to justify adding it.

Our methodology

To determine which cards offer the best value for train travel,  Select  analyzed 234 of the most popular credit cards available in the U.S. We compared each card on a range of features, including: rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the Blue Cash Preferred® Card from American Express, click here .

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Rail concessionary travel

If you have a concessionary travel pass from a welsh local authority, you can travel free on many of our trains., you can travel between:.

• Wrexham – Hawarden Bridge
• Machynlleth – Pwllheli (Cambrian Coast line) – October to March only

Llandudno – Blaenau Ffestiniog (Conwy Valley line)

• Shrewsbury and Llanelli / Swansea (Heart of Wales Line) – October to March only

You’ll need to get a free ticket from the ticket office before you travel. If there is no ticket office or if it’s closed, you can get one from the Conductor on the train. 

You’ll also get 1/3 off tickets to travel on the Cardiff and Valley network after 0930 Monday - Friday and any time at weekends and bank holidays. 

Please note: Previously valid on services arriving at Cardiff Central after 0929. Now only valid from origin station from 0930.

Here’s where you can travel on our trains

Wrexham to hawarden bridge .

You can travel free between any two of these stations: 

Hawarden Bridge, Shotton, Hawarden, Buckley, Penyffordd, Hope, Caergwrle, Cefn y Bedd, Gwersyllt and Wrexham General

Machynlleth to Pwllheli (Cambrian Coast line)

Each year, from 01 October to 31 March, you can travel between any two of these stations:

Pwllheli, Abererch, Penychain, Criccieth, Porthmadog, Minffordd, Penrhyndeudraeth, Llandecwyn, Talsarnau, Tygwyn, Harlech, Llandanwg, Pensarn, Llanbedr, Dyffryn Ardudwy, Talybont, Llanaber, Barmouth, Morfa Mawddach, Fairbourne, Llwyngwril, Tonfanau, Tywyn, Aberdovey, Penhelig, Dovey Junction, Machynlleth. 

We don’t accept concessionary tickets on the following trains during school terms:

06.29 Pwllheli – Machynlleth between Barmouth and Tywyn

07.24 Pwllheli – Machynlleth between Penrhyndeudraeth and Harlech.

12.51 Machynlleth – Pwllheli between Harlech and Penrhyndeudraeth

14.56 Machynlleth – Pwllheli between Tywyn and Barmouth

Llandudno, Deganwy, Llandudno Junction, Glan Conwy, Tal-y-Cafn, Dalgarrog, North Llanrwst, Betws-y-Coed, Pont-y-Pant, Dolwyddelan, Roman Bridge, Blaenau Ffestiniog.

Shrewsbury and Llanelli/Swansea (Heart of Wales Line)

Shrewsbury, Church Stretton, Craven Arms, Broome, Hopton Heath, Bucknell, Knighton, Knucklas, Llangynllo, Llanbister Road, Dolau, Pen-y-bont, Llandrindod, Builth Road, Cilmeri, Garth (Powys), Llangammarch, Llanwrtyd, Sugar Loaf, Cynghordy, Llandovery,Llanwrda, Llangadog, Llandeilo, Fairfach, Llandybie, Ammanford, Pantyffynnon, Pontarddulais, Llangennech, Bynea, Llanelli, Gowerton,Swansea.

We don’t provide free tickets for journeys wholly between Shrewsbury and Bucknell and Llanelli and Swansea.

• Did you know? Travel safer You can plan ahead and decide when to travel using our Capacity Checker. Check capacity

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Is this Railcard for you? A quick check to make sure you're eligible…

If you are disabled or have a progressive medical condition you are eligible for the Disabled Persons Railcard if you:

• receive Personal Independence Payment  (PIP) or Adult Disability Payment (ADP)
• the higher or lower rate for the mobility component, or
• the higher or middle rate for the care component
• have a visual impairment
• have a hearing impairment
• have epilepsy
• receive Attendance Allowance, Severe Disablement Allowance or Pension Age Disability Payment (PADP)
• receive War Pensioner's Mobility Supplement
• receive War or Service Disablement Pension for 80% or more disability
• buy or lease a vehicle through the Motability scheme

Proof of eligibility

If any of the above apply to you, find it in the list below to see the proof you will need to provide when applying for your Railcard. 

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Pensioner Travel Vouchers

A Pensioner Travel Voucher provides free and discounted travel on NSW TrainLink Regional services to eligible pensioners and seniors within NSW.

Eligibility

If you hold a NSW or ACT Pensioner Concession Card or a  NSW Veteran Gold Card marked ‘war widow’ you are entitled to four Pensioner Travel Vouchers each calendar year for travel within regional NSW.

How to use the Pensioner Travel Voucher

You can use Pensioner Travel Vouchers for free travel on NSW TrainLink Regional services in Economy Class within regional NSW. You can use them for four one-way trips annually or two return trips annually.

To upgrade to First Class, you will only need to pay 15% of the full adult peak season fare (a minimum $10 trip fee applies).

If you require a sleeping berth, there will be an additional charge.

If your trip takes you over the NSW border, you pay 50% of the relevant Economy or First Class fare for the interstate portion of your trip.

You can catch a Sydney Trains or NSW TrainLink Intercity service to get to or from your NSW TrainLink Regional service at no extra charge as long as you book it with your NSW TrainLink Regional service.

How to book with Pensioner Travel Vouchers

If it is your first booking, you will need to register your concession card with NSW TrainLink. You only need to register your concession card once, and you can do this by calling 13 22 32 .

Once you've registered your card, you can book online anytime.

Booking online is quick, easy and secure:

• Choose a one way or return trip.
• Search for your origin, destination and choose your travel dates.
• Select your concession type eg NSW / ACT Pensioner with Travel Voucher and enter your Concession ID and Family name.
• Click ‘search’
• Select a trip that suits you, enter your details and pay with a credit or debit card.

You will receive your ticket via email. When it’s time to travel, simply present your ticket on your mobile.

You can also book over the phone by calling 13 22 32 .

Please remember to carry your concession card when you travel as the onboard crew will need to check it.

What happens when you have used all your vouchers?

NSW TrainLink keeps track of your Pensioner Travel Vouchers. You can call 13 22 32 whenever you want to check how many Pensioner Travel Vouchers you have left.

When all four have been used, you can still take advantage of other travel concessions, such as:

• $2.50 all day travel with the Country Pensioner Excursion ticket for booked NSW TrainLink Regional services
• $2.50 all day travel with the Regional Excursion Daily ticket on local buses
• Half price fares on NSW TrainLink Regional services.

Check NSW TrainLink fare rules for pensioners .

Find out more about ticket eligibility and travel concessions for holders of:

• Pensioner Concession Cards
• NSW War Widow/er Transport Concession
• Seniors Card

Victorian Pensioner Concession Card holders

Victorian Pensioner Concession Card holders are not entitled to apply for NSW Pensioner Travel Vouchers.

Under Public Transport Victoria’s new opt-in voucher program, vouchers issued from 2020 onwards are only available for off-peak journeys wholly within Victoria and not as part of an interstate journey (except for travel to Albury, Mount Gambier and Deniliquin). These off-peak travel vouchers are therefore not valid when travelling interstate on NSW TrainLink services.

Until the end of 2022, NSW TrainLink sales agents are able to accept the previous Victorian Pensioner Travel Vouchers as payment for the Victorian portion of a fare when travelling interstate on NSW TrainLink services. Please note that you will still need to pay for the NSW portion of the fare when using a Victorian Pensioner Travel Voucher.

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• About Santander UK
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• Press releases

Santander's free four-year railcard for students and apprentices

• Santander 1|2|3 Student Current Account, available to students and apprentices (levels four to seven) • Free four-year Santander 16-25 Railcard saves on average £199 a year 1 • £1,500 fee-free overdraft and 1% interest on balances up to £2,000 • Up to 15% cashback on debit card spending at a range of retailers 2

It’s a start to the university year unlike any before, but as thousands of young adults across the UK prepare to embark on their journey into higher education, one thing hasn’t changed - Santander continues to offer them its 1|2|3 Student Current Account uniquely tailored to their needs.

To help students through their journey, the account includes a free four-year 16-25 Railcard, exclusive to Santander student customers, which gives them a third off standard rail fares. As lockdown measures are eased and more people return to train travel, students will benefit by saving an average of £199 every year with their four-year Railcard. Santander’s Railcard is available to full time students in higher education as well as school leavers taking up higher or degree level apprenticeships 3 .    Hetal Parmar, Head of Banking, Santander said: “University life and apprenticeships may look very different this year for many, but this time of life still brings with it the first big step towards financial independence. Our highly popular 1I2I3 Student Current Account continues to give great value and provide the financial support students and apprentices need at this exciting time in their lives.”

Last year, Santander retained its position as the largest provider of new student accounts with just under a third of all student account openings taking place with Santander 4 .

Santander’s 1|2|3 Student Current Account is available online and to all students, regardless of their year of study. In addition to the four-year Railcard, the Santander account offers:

• An interest and fee-free arranged overdraft of £1,500 in the first three years of study, £1,800 in the fourth year and £2,000 in the fifth year (if students continue with their studies);
• In-credit interest of 1% on balances up to £2,000;
• Additional cashback of up to 15% on debit card spending at major retailers through Retailer Offers, which helps students stretch their money that little bit further;
• Access to exclusive 1I2I3 World benefits including preferential deals on other financial products. 

Since 2007, Santander Universities has invested more than £90m in supporting UK students and universities. The bank supports higher education with a number of schemes aimed at improving access to education, entrepreneurship and employability. Santander Universities has 85 direct UK University partnerships and more than 1,100 globally.

To open an account, or for more information, visit: www.santander.co.uk/student

The information contained in our press releases is intended solely for journalists and should not be used by consumers to make financial decisions.

Notes to Editors: Student case studies are available 1 The 16-25 Railcard saves on average £199 a year, according to www.railcard.co.uk/ 2 More detail on Retailer Offers can be found here . 3 Level four to seven. 4 Santander had a 32 per cent market share of new student account openings in 2019, making it the largest provider of new student accounts in 2019 according to data from CACI. Santander’s 1|2|3 Student Current Account: Credit interest on the balance: • 1.00 per cent AER/gross (variable) on balances up to £2,000 Interest-free and fee-free arranged overdraft: • £1,500 in years 1, 2 and 3 • £1,800 in year 4 • £2,000 in year 5 VISA debit contactless card (subject to status) Easy access - withdraw up to £300 daily without charge Terms and conditions apply. Please visit www.santander.co.uk/student

Santander UK is a financial services provider in the UK that offers a wide range of personal and commercial financial products and services. At 30 December 2019, the bank had around 23,500 employees and serves around 14 million active customers, via a nationwide branch network, telephone, mobile and online banking. Santander UK is subject to the full supervision of the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) in the UK. Santander UK plc customers’ eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) in the UK.

Banco Santander (SAN SM, STD US, BNC LN) is a leading retail and commercial bank, founded in 1857 and headquartered in Spain. It has a meaningful presence in 10 core markets in Europe and the Americas, and is one of the largest banks in the world by market capitalization. Its purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising over €120 billion in green financing between 2019 and 2025, as well as financially empowering more than 10 million people over the same period. At the end of the first quarter of 2020, Banco Santander had a trillion euros in total funds, 146 million customers, of which 21.3 million are loyal and 38.3 million are digital, 11,900 branches and 195,000 employees. Banco Santander made underlying profit of €1,977 million in the first quarter of 2020, an increase of 1% compared to the same period of last year.

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The official retailer of Railcards by National Rail

Get a Railcard

Just a few journeys and it's paid for!

Choose your Railcard  

Find your Railcard

Over 20 million people in Great Britain can save with one of our Railcards. Which one will you get?

16-25 Railcard

For those aged 16-25, save a 1/3 off rail fares for days out, seeing family and friends and even festivals!

Senior Railcard

For those aged 60 and over, save 1/3 off rail fares for days out, holidays, seeing family and friends, and theatre trips!

Two Together Railcard

For two named people travelling together, get an average annual saving of £129 plus special partner discounts!

Disabled Persons Railcard

If you have a disability that makes travelling by train difficult, you may qualify for a Disabled Persons Railcard

26-30 Railcard

Valid for those aged 26-30. For just £30, save 1/3 on most rail fares to travel across Britain for a year!

Family & Friends Railcard

Children aged 5-15 get 60% discount on kids fares! Up to four adults and four children can travel on one card.

Network Railcard

For those travelling in the South East, aged 16 or over. Get an average annual saving of £191 plus partner discounts.

For those aged 16 or 17. Enjoy 50% off standard Anytime, Off-Peak, Advance and Season tickets, for just £30 a year.

Veterans Railcard

If you are a veteran of the UK Armed Forces, you may qualify for a Veterans Railcard. Save a 1/3 on most rail fares.

Help me choose

Need help getting or using your Railcard?

Need help? Find out everything you need to know about purchasing, using and renewing your Railcard.

How do I renew my Railcard online?

If you bought your Railcard online, you will be able to renew it when it is within 30 days of the expiry date.

Railcards bought at a train station cannot be renewed online.

What is the digital Railcard download code?

If you bought a digital Railcard, you will need a download code to add your Railcard to your Railcard app.

Your digital Railcard download code will be sent to your registered email address after purchase. You can also generate a new download code by logging into your account.

How do I get cheap train tickets?

With a Railcard you can get 1/3 off the price of most train fares.

This guide contains ways to get cheap train tickets, including getting the most out of your Railcard, finding promotions and booking in advance.

How to do I log into my account?

If you are having trouble logging in or have forgotten your password, follow this guide to quickly get access to your Railcard account.

Can I get a refund due to COVID?

We understand the restrictions due to COVID mean some Railcard customers haven’t made all of the journeys they had planned. After careful consideration the government has confirmed to us that Railcards will remain non-refundable and will not be extended. 

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Benefits and Entitlements

If you're 60 or over or you have a disability, you might be eligible for public transport concessions – from discounts on your rail journeys to a free bus pass.

What transport concessions are available?

Can i get a free bus pass, can i get a discount on train travel, can i get a london freedom pass, what if i have difficulty using public transport, what if i'm unable to use public transport, more travel concessions questions.

There are several national public transport concessions available to older and disabled people. Some entitle you to discounts on your fares, while others allow you to travel for free.

Eligibility for these concessions depends on whether you have a disability or your age. 

Depending on your age and your circumstances, you might be able to get one of the following free bus passes, which allow you to travel free on local buses:

• an older person's bus pass
• a disabled person's bus pass

What age do I have to be to get an older person's bus pass?

You can get an older person's bus pass when you reach State Pension age, which is currently 66 for both women and men.

Apply for your older person's bus pass on GOV.UK

If you're 60 or over and live in London, then you can get free travel on buses, trains and other modes of transport in and around London with a 60+ London Oyster photocard.

Apply for your 60+ London Oyster photocard on the TFL website

How can I get a disabled person's bus pass?

There's no central provider of the disabled person's bus pass – to find out if you're eligible and how to apply, you need to get in touch with your local council.

Find your local council and apply for a disabled person's bus pass on GOV.UK

Are there any other discounts if I'm an older person or I'm disabled?

It's a good idea to contact individual transport operators to see if they offer discounts.

For instance, National Express offers Coachcards. These are discount cards for older or disabled customers. You buy them for a set fee of £15.00 and they get you a third off the cost of your travel across the year.

Find out more and order a Coachcard on the National Express website

Depending on your age and circumstances, you might be entitled to one of the below railcards:

• a Senior Railcard
• a Disabled Person's Railcard

Both railcards are discount cards. You buy them for a set fee to last either 1 or 3 years and they get you a third off the cost of your train travel.

Can I get a Senior Railcard?

The Senior Railcard is available for anyone aged 60 or over to buy.

You can apply on the Senior Railcard website using a valid passport or UK driving licence as ID. Or, you can apply in person at most staffed railway stations.

Find out more about the Senior Railcard and apply online

Can I get a Disabled Person's Railcard?

The Disabled Person's Railcard is available to you if you meet one of the following criteria:

• you're registered as deaf or use a hearing aid
• you're registered as having a visual impairment
• you have epilepsy
• you receive a disability-related benefit, such as  Personal Independence Payment
• you receive War or Service Disablement pension
• you receive Attendance Allowance
• you receive Severe Disablement Allowance
• you receive War Pensioner's mobility supplement

Find out more about the Disabled Person's Railcard and apply online

Freedom Passes give London residents free travel in the city – including National Rail services, the Underground, buses, river services and trams – and free local bus journeys nationally.

If you live in London, you can apply for a Freedom Pass if one of the following applies to you:

• you've reached State Pension age
• you have a disability.

Find out more about Freedom Passes and apply on the London Councils website

National Rail has an interactive tool called Stations Made Easy, designed to help people find their way around stations and find more accessible routes, avoiding potential difficulties like stairs. This may be helpful if you have difficulty using public transport because of your health. 

Find out more and use the tool on the National Rail website

If you're disabled, you can't use public transport, or you don't have access to a car, you might also be able to use a community transport scheme – such as a social car, dial-a-ride, or taxicard scheme.

Shopmobility schemes help people shop in town centres by lending out wheelchairs and scooters. Some local councils also offer concessions on local public transport.

To find out what's available in your area, you can contact your local council or your local Age UK.

Find your local council on GOV.UK

• Please select a search type
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No, you can't use a free bus pass on National Express buses. To get senior concessions on National Express you need to buy a senior coachcard, which costs £15 a year.

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Yes, your bus pass will give you free travel on buses across England, including London. However, there may be specific rules about when you can travel for free, so check your local council's free bus pass guidance before travelling.

Find your local council's older person's bus pass guidance on GOV.UK

Want more information?

Apply for an older person's bus pass on GOV.UK

Apply for a disabled person's bus pass on GOV.UK

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We offer support through our free advice line on 0800 678 1602. Lines are open 8am-7pm, 365 days a year. We also have specialist advisers at over 120 local Age UKs.

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Last updated: Apr 09 2024

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Best no annual fee travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

Special feature.

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page  

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel rewards credit cards

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14 Best Travel Credit Cards of April 2024

Best travel cards main takeaways.

• Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
• The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
• Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

• 46 travel credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

• Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
• Bilt Mastercard® – Best no-annual-fee travel card for paying rent
• Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
• Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
• Discover it® Miles – Best no-annual-fee travel card for simple rewards
• Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-annual-fee travel credit cards

• Capital One Venture Rewards Credit Card – High flat-rate rewards
• Chase Sapphire Preferred® Card – High rewards earning potential with flexible redemption options

Best premium travel credit cards

• American Express® Gold Card – High rewards for foodies
• Capital One Venture X Rewards Credit Card – Low cost premium travel card with high-end perks
• Chase Sapphire Reserve® – High reward earning potential and premium travel perks
• The Platinum Card® from American Express – Airport lounge access and luxury perks

Best business travel credit cards

• The Business Platinum Card® from American Express – Airport lounge access and luxury perks

Best airline travel credit cards

• United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

• No annual fee
• No foreign transaction fees
• Earns 1.5x points on all purchases
• No bonus category for travel
• Few benefits compared to other cards
• Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards credit card has been collected independently by Money.com

• No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
• Use it to pay your rent and earn rewards without incurring any processing fees
• You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
• Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
• No welcome bonus or introductory APR period
• Points redeemed for statement credits are worth 0.55 cents each
• You must make at least five transactions in a statement period to earn points
• Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

• Can transfer your miles to 16 travel partners
• Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
• Doesn't earn bonus points on airfare
• No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

• Includes trip cancellation/interruption and car rental insurance
• Features a high flat cash back rate combined and popular bonus categories
• 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

• No annual or foreign transaction fees
• Discover matches the total miles you earned at the end of the first year
• Earns 1.5x miles on all purchases
• See your FICO score on the Discover mobile app, online and on statements
• Few benefits compared to other travel cards
• Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles has been collected independently by Money.com.

• Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
• Includes cell phone protection plan
• No airline or hotel transfer partners
• Doesn't include travel insurance
• Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

• Earn 2x miles per dollar on most purchases
• Up to $100 credit for Global Entry or TSA PreCheck(R)
• Includes travel accident and car rental insurance
• Fewer bonus categories than other cards with a similar annual fee ($95)
• Doesn't offer travel rewards for flights
• Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is an excellent card for everyday spending, offering a higher base reward than most travel credit cards.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners. However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

• Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
• Receive a point bonus each account anniversary
• Includes primary rental car insurance
• Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
• $95 annual fee
• Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

• Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
• Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
• Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
• Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
• High annual fee ($250)
• Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

• Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
• Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
• $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
• Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

• Up to $300 in statement credits each anniversary year to cover travel purchases
• Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
• Points worth 50% more when redeemed for travel expenses through Chase TravelSM
• Comprehensive travel insurance coverage, including emergency dental insurance
• High annual fee ($550)
• Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

• $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
• Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
• Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

• 10,000 bonus miles every year
• Statement credit of up to $300 for bookings made through Capital One Travel
• Up to a $100 credit on Global Entry or TSA PreCheck(R)
• Skip the line and get car upgrades when renting a car with Hertz
• High annual fee ($395)
• Fewer bonus categories than other premium cards
• No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

• 10,000 bonus miles every year (starting on your first anniversary)
• $300 annual credit for bookings through Capital One Travel
• Up to a $100 credit for Global Entry or TSA PreCheck®
• Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ and Plaza Premium Group
• Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

• Access to the widest network of airport lounges of any card
• Complimentary elite status in the Marriott and Hilton hotel loyalty programs
• Hundreds of dollars in annual statement credits for travel, dining and more
• High annual fee ($695)
• Doesn't include baggage delay, travel accident and primary rental car insurance
• Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

• Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
• Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
• $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
• Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
• Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• Around $1,000 in yearly statement credits for select business purchases
• Access to a wide network of airport lounges (terms apply)
• Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
• Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

• Free first checked bag for you and a companion
• Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
• 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
• Complimentary priority boarding for you and companions traveling on the same reservation
• $95 annual fee (after the first year)
• No intro APR period
• Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

• Two one-time passes for United Club℠ airport lounges each account anniversary year
• 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
• Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
• Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Compare The Best Travel Credit Cards

Travel credit cards guide.

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Bear in mind, however, that premium travel credit cards often also feature high annual fees. And their rewards are often worth the most when redeemed through a card issuer’s travel portal.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards (or travel rewards credit cards) typically provide generous rewards for travel purchases and let cardmembers redeem points (or miles) for travel bookings. They may also let you redeem points for statement credits, cash back, gift cards and more.

Besides travel, these cards usually also offer other bonus reward categories, such dining, gas and drugstores. Many also include additional benefits, like airport lounge access, hotel discounts, travel accident insurance, no foreign transaction fees and more.

Bonus categories, redemption options and benefits vary widely across card issuers. However, you can generally expect cards with higher annual fees to offer more perks. For example, premium cards with annual fees over $400 often feature hundreds of dollars in statement credits (money credited to your card’s outstanding balance) to cover travel or food purchases.

How do travel credit cards work?

Like other reward cards, travel credit cards give you a certain number of points (or miles) per dollar on eligible purchases. However, what makes these cards different from others is their high reward rate for travel-related purchases.

Travel credit cards often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points on specific spending categories, like 3x per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How much are credit card points worth?

In most cases, credit card points are worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, points earned with the Chase Sapphire Preferred® Card have a 1.25-cent value when you book flights through the Chase Travel portal.

But point values may also decrease depending on how you choose to redeem them. For example, some cards let cardholders use points when shopping through Amazon or Paypal. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

How to use credit card points for travel

In most cases, credit card points are worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, points earned with the Chase Sapphire Preferred® Card have a 1.25-cent value when you book flights through the Chase Travel℠ portal.

Once you’re ready to redeem your points, head to your travel card’s reward program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the website or app.

Most reward programs will let you book flights and hotel rooms. Some will also allow you to redeem your points for car rentals, cruises, tourist attractions and more.

Sometimes, you’ll have the option to transfer your points to airline or hotel loyalty programs. Not all reward programs allow this, but if they do, it’s usually at a 1:1 ratio — meaning 1,000 credit card points are worth 1,000 points in the travel partner program.

Note that, if you’re missing some points to cover your trip, you’ll often have the chance to pay the remainder with cash.

Difference between points and miles

Travel credit cards usually earn rewards as points. But some card issuers, like Capital One, call their rewards “miles” instead of “points” — even though they can be redeemed the same way as points.

Cards that earn miles are often (but not always) tied to a specific airline. Additionally, bear in mind that the term “mile” doesn’t refer to miles traveled with the airline. One airline mile is usually the equivalent of one reward point, which you can redeem for free flights, seat upgrades and more.

Pros and cons of travel credit cards

• Some cards offer up to 10x points per dollar on travel purchases.
• Many have additional bonus categories for dining, grocery shopping and more.
• They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
• Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
• Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
• They might not offer high rewards on spending outside of the travel category.
• Some of the best ones can have steep annual fees and require good to excellent credit
• Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who fly with the same airline regularly. These cards earn miles that you can use with one specific airline, and their rewards (called frequent flyer miles) are redeemable for airfare. Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

Hotel credit cards are similar to airline cards. Points earned can only be used with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program. Points can be redeemed for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels. The Marriott Bonvoy Bevy™ American Express® Card, on the other hand, includes room upgrades and late checkouts on select locations.

Other benefits may include discount rates, late checkouts or free in-room Wi-Fi.

Hotel credit cards may also offer complimentary breakfasts, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are much more flexible and convenient than airline or hotel cards. Since they aren’t affiliated with a single airline or hotel chain, general travel card points can be redeemed for a wide variety of travel-related expenses.

These cards allow cardholders to book flights, hotel stays, rental cars and more from different companies using your card issuer’s online travel portal. Other ways to use card points include statement credits, cash back or gift cards. Some issuers also let you transfer points to airline and hotel partners.

These cards may offer handy perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

Do you travel often? A travel rewards credit card offers high reward rates on most travel-related spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.

Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.

Consider the card’s annual fees. There are several no-annual-fee travel cards available, but they usually have few bonus categories and benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.

General travel card vs co-branded cards. General travel cards have more flexible redemption options, allowing you to redeem your rewards for bookings with multiple travel companies. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. However, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.

Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.

Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.

Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.

A welcome bonus shouldn’t be the end-all, be-all perk. A 100,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

• Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
• Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
• If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
• Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
• If your travel card lets you combine points from multiple cards under one account, take advantage of the feature. For example, if you have a Chase Sapphire Preferred®, you can transfer points to it from other cards (if they also earn Chase Ultimate Rewards® points). This way, you can accumulate extra points and increase their value to 1.25 cents apiece if you make travel reservations through the Chase Travel℠ portal.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of April 2024

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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