common sense travel

Travelling With Nikki

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10 Common Sense Travel Tips

When travelling and no matter where you are in the world, it is possible to make your experience as stress free as possible just by using a little common sense. It sounds simple enough but over the years, I have seen so many people simply forget about the simplest little things as soon as their holiday (or even the planning for it) begins. Everyone wants a trip to remember for all the best reasons and not for the bad ones so use your brain and try not to make any of these silly mistakes. Here are my ten common sense travel tips:

Get Travel Insurance

It sounds obvious but travel insurance is an essential part of travelling. How often do you read stories of people who’ve fallen ill or had accidents whilst abroad and who have stupidly not taken out travel insurance and are now stranded overseas with no way to pay – and the bills (especially in the USA) can run into millions. I recently saw someone stupidly post on a Facebook group that they were not getting travel insurance for their next holiday as it’s “a complete waste of money” as they’ve bought it every year and never had to use it – that really is a facepalm moment right there. Check the fine print of your insurance policy and make sure you are covered for everything you plan to do on your trip and make sure to declare all existing medical conditions.

Check Your Travel Documents in Advance

Before going anywhere, make sure to check the expiry date of your passport in case you need to apply for a new one before you travel. Also find out about any visa requirements for the countries that you are visiting and if needed, apply for them in good time. If you’re a UK passport holder, use the GOV.uk website for all the official and up to date information that you need to know for each country.

Do Your Research

The amount of people I see complaining about weather and being unprepared for where they are travelling to is mind boggling. Just by doing some research in advance on Google you can find out what the normal weather is for each destination at certain times of the year. For example don’t go to Florida in July and August and complain about rain and thunderstorms or the Far East in September and complain about typhoons. Also make sure to look at when the busiest and the quietest times are to visit different countries. Be aware that if you travel during peak times, school holidays, public holidays or large events, it’s going to be busy – deal with it.

Do Not Advertise Your Travels

No matter how excited you are about your upcoming trip, be sensible and do not publish details of your travel dates and how long you’ll be away for on social media for all the world to see and hear. Nothing will invalidate your house insurance quicker than you advertising to burglars when your house will be empty.

Take Some Personal Responsibility

When booking flights and hotels, check, double check and check again (even if you’ve used a travel agent) names, dates and times and even your departure airport (it’s amazing how many people think that Heathrow is the only airport in London). Over the years I have seen so many people arrive late or arrive at the wrong airport and then get angry and shout at the staff – do not blame others for your own mistakes. Turn up at the airport with plenty of time to spare – it’s better to be too early rather than too late. Lines at check-in and security can be long and flight delays happen but be patient and do not take your frustration out on the airport or airline staff.

Be Sensible

Don’t be careless just because you’re in a different country and on holiday. Be aware of your surroundings and don’t be “that person” and stand out from the crowd. Don’t tempt pickpockets by making yourself an easy target by flashing your money or expensive jewellery around and read up on any known scams. Tacky pink flowery suitcases might be noticeable on a baggage reclaim belt but you’ll also stand out like a sore thumb immediately when outside of airport. Basically try not to look like a tourist and that includes wearing matching t-shirts.

Remember Where You Are

Just because something is okay to do where you live does not mean it is okay elsewhere. Different countries have different laws and customs so make sure to show respect for where you are whether that be in your behaviour or the way you dress. Make sure to learn a few words in the local language such as Hello, Goodbye, Please and Thank You as a little effort goes a long way. Make sure to have an open mind and embrace the differences – that’s part of the fun and adventure of travelling.

Remember to Back Up Your Photos

Our photos are wonderful memories of moments and places we have visited so it’s always a good idea when travelling to regularly back up your photos whether it be to the “Cloud” or to a portable external drive. This way if anything happens to your phone or camera, you can be assured that your photos are safe and it’s one less thing to worry about.

Leave Places as You Wish to Find Them

I still can’t believe that this needs to be said but the old phrase of “take only photographs and leave only footprints” still stands to this day. People want to see places as they’re meant to be seen and that is without rubbish, graffiti, stickers or any “love locks” anywhere. These stupid and pathetic locks create an eyesore and cause irreparable damage to some of the most well known landmarks around the world – it’s not big, clever or even romantic in the slightest and is simply just a form of vandalism.

Have Realistic Expectations

Do not get carried away by trying to plan exactly what will happen on every minute of every day of your trip as you will only ever be disappointed if things do not turn out the way you want them to. Learn to embrace the unexpected and always have some back-up plans wherever you are going. Travelling (especially with a group of people) can be stressful so try to limit the amount of stress and always remember to take some time to relax. Have I missed anything out? What travel tips or advice would you give? Pin this Blog Post on Pinterest Follow Me on Instagram Follow Me on Bloglovin’

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Common Sense Travel

An alternative, common sense approach to global travel, welcome to common sense travel.

Thank you for visiting our little slice of the web. We hope our site will provide you with sensible, relevant and helpful information when planning a trip be it a year around the globe or a couple of weeks away.

We have split the site into two sections; pre trip and during trip. These are pretty self explanatory and should cover off most of what we have learned on the road.

We would sincerely love to hear any comments on the site as it grows. Please don’t hold back, all comments gratefully received. You can contact us through the site or by email here .

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• BEST OF THE WORLD

20 of the coolest travel adventures for 2024

From a horseback safari in Kenya to river rafting in West Virginia, here’s our ranked list of the top travel experiences right now.

This page is a portal.   No, really, it is: Our annual Best of the World feature is a gateway to the streets of Paris , the snowy Caucasus Mountains of Georgia , the ancient rock art of Algeria . To help us engage with places more deeply and meaningfully, we drew on National Geographic’s global community of experts to create the following ranked list of 20 great adventures for 2024. Read on and you’ll discover that this page is also a celebration—of travel’s power to transform us and our connections with one another.

#1: Go on horseback safari in Kenya

A safari in Africa usually conjures an image of mud-spattered 4x4 vehicles bouncing through the bush. But there’s another way to travel: on horseback .  

Although horse safaris originated in Kenya in the 1970s, they’re a perfect fit for today’s growing number of travelers looking for more engaging, sustainable wildlife encounters. At the 32,000-acre Borana Conservancy , two stables house thoroughbreds and ex-polo ponies for riders of all skill levels. Visitors can book half-day, full-day, or overnight rides. July through September is the prime time to go.

Since wildlife perceive equines as just another animal, exploring the landscape atop a horse makes for an intimate experience. “To journey on horseback is to break down the walls—meant to protect but also to separate—between oneself and the natural world,” says Nichole Sobecki , a photographer and equestrian who’s ridden in Borana. “Your horse is a translator, responding to the low growl of the lion, the soft scent of a herd of elephants.” A horse’s ears are an advance warning system, she says, helping knowledgeable guides navigate routes.

#2: Run an Olympic marathon in Paris

For the first time, members of the public will be able to run their own marathon during the 2024 Summer Olympics , in Paris, France , just one initiative aimed at creating a more inclusive Games.  

Slated to be held the evening of August 10, between the men’s and women’s official races, the Marathon for All will allow 20,024 qualifying lottery winners on the 26.2-mile route that links Paris and Versailles , a loop beginning at the Hôtel de Ville (City Hall) and passing through nine arrondissements before finishing at Les Invalides on the banks of the Seine. Before or after the big event, learn the route to follow in their tracks.  

#3: Ski tour UNESCO sites in Georgia

Long a means of transportation, exploration, and hunting, skiing is still a way of life in the mountainous republic of Georgia. Now visitors can enjoy some of the nation’s best backcountry skiing in the Caucasus with the help of outfitters such as Svaneti Ski and Georgia Ski Touring . In Svaneti, excursions may lead skiers through panoramic Gvibari Pass or to medieval Ushguli villages, among the highest continuously inhabited in Europe. The best times to experience this are December to April.

#4: Bear watch in Katmai National Park

Alaska ’s Katmai National Park is home to one of the highest concentrations of brown bears in the world. Far from the crowded viewing platforms of the Brooks Camp Visitor Center, a guided trip along the Katmai coast with outfitters like AK Adventures reveals a different side of the park.

Travel gear you'll want to pack in 2024

National Geographic’s top travel products for 2024 run the gamut from customizable bags and backpacks to a recyclable jacket

Here, the bears feast on a diversity of foods: sedges, grasses, razor clams, salmon. “For me, seeing a single brown bear in the wild is meaningful because it is a sign that the landscape is healthy enough to support it,” says Alaska photographer Acacia Johnson , a frequent National Geographic contributor.

#5: Hear legendary live music in Kyoto

Guidebooks speak of Kyoto as frozen in time, with hushed temples and meditative gardens. But after hours, Japan ’s former imperial capital reveals a live music scene that can be loud and irreverent. At venues like Jittoku and Field , rock, swing, and even Irish music echo into the night. Whatever you’re into, from jazz to punk, there’s a community to share your jam. “This is what happens in Japan when the mask comes off,” says Kyoto guide Van Milton.

#6: Cruise an epic river in Colombia

About 80 percent of Colombia ’s population lives in the river basin of the Magdalena, which flows for nearly a thousand miles from the Andes to the Caribbean. AmaWaterways’ new cruises on the river—said to be the first by a major cruise operator—take seven-night trips from Cartagena via Mompós to Barranquilla. Stops at colonial towns, performances of vallenato   and cumbia music, and visits to a stilt-house village highlight the region’s culture along this mighty waterway.

#7:   Road trip Route 66 in New Mexico

For nearly a century, Route 66 has beckoned to travelers. A trip along the Mother Road through New Mexico hits timeless landmarks , such as quirky motels and curio shops in and around Tucumcari and symbolic etchings in Petroglyph National Monument . In Gallup—mentioned as one of the places to “get your kicks” in Nat King Cole’s 1946 hit song “Route 66”—you can take in performances featuring Zuni, Lakota, and Diné (Navajo) dancers.  

Some 18 miles of the highway traverse Albuquerque , the longest urban interlude of the route in the United States. And it’s getting a half-million-dollar glow-up with the ongoing restoration of vintage neon signs along Central Avenue.  

While cruising down the brightened strip, stop at the new West Central Route 66 Visitor Center , with its museum and outdoor amphitheater. The center will host events like lowrider car shows, drive-in movies, and artisan markets.

#8: Explore ancient art in Algeria

Algeria is home to Africa’s largest national park, which holds one of the world’s greatest concentrations of ancient rock art. Tassili n’Ajjer National Park is a geologic wonderland of sandstone towers, arches, and sculpted outcrops. But these rock forests are only half the story.  

Neolithic herders and hunter-gatherers carved 15,000 petroglyphs here, including images of elephants, giraffes, and rhinos. These animals are more commonly associated with sub-Saharan Africa—a hint that this arid wilderness was once a grassland crisscrossed by waterways. Five- to seven-day guided tours with Fancy Yellow take in the most spectacular works of Tassili’s art, like the “Crying Cows,” engraved at the base of a stone pinnacle 7,000 years ago.  

Travelers with more time might want to combine a trip to Tassili with a visit to the Algerian Sahara’s other great geologic marvel: the extraordinary mountain range of Ahaggar National Park .

#9: Dive with sharks in Western Australia

Stretching almost 700 miles along the Indian Ocean north of Perth, Western Australia’ s Coral Coast is studded with natural wonders. But Ningaloo Reef is the star. Here, you can dive with giants: Some 300 to 500 whale sharks ,   one of the largest congregations on Earth, gather along the reef each year between March and July. Ethical outfitters ensure divers give the sharks space and avoid feeding them or using flash photography.  

Even more megafauna abound from July to October, when about 40,000 humpback whales migrate along the Coral Coast. You can also commune with more than 10,000 dugongs in Shark Bay or swim with manta rays at Coral Bay.  

#10: Hike a volcano in Panama

A sustainability leader, Panama recently launched its “1,000 Kilometers of Trails” project , which seeks to bring outdoor recreation and green tourism to rural communities and protected areas.

First out of the gate is the Ruta de la Caldera , a system of five trails around the extinct Valle de Antón volcano . The treks take in waterfall-speckled landscapes, according to photographer Rose Marie Cromwell , who hiked sections of the Ruta de la Caldera over five days.

“There were some spectacular views on top of the volcanic crater—interesting land formations covered in so much green,” she says.

#11: Catch the eclipse at Niagara Falls

Directly in the path of totality, Niagara Falls will offer views of a total solar eclipse, which won’t occur again in the contiguous U.S. until 2044. For about three and a half minutes, beginning at approximately 3:18 p.m. on April 8, the sky will darken over the thunderous cataract as the moon crosses between Earth and the sun.  

On the U.S. side of the falls , Terrapin Point, Prospect Point, and the Observation Tower will be prime viewing areas (if clouds stay away). From the Canadian side, an excellent vantage point is Table Rock. A side bonus: The sunny-day rainbow that hovers above the falls will become pink.  

#12: Trek a glacier in Chile

In Chilean Patagonia‘s Laguna San Rafael National Park , visitors can trek to glaciers, taking in a panorama of pale blue ice massifs and glacial waterways. Some 17,300 glaciers still cover the whole of Patagonia’s ice fields, but rising temperatures are rapidly melting them. Climate scientists say sustainable tourism , such as hikes with Chilean outfitters like Turismo Valle Leones , supports local communities and inspires travelers to learn more about how to protect glaciers.

#13: Step back in time on Menorca

Spain ’s Balearic Islands are best known for the jet-set beach destinations of Ibiza and Mallorca . But quiet, less developed Menorca has a unique mother lode: The archipelago’s greatest repository of ancient architecture.

In an area of just 270 square miles, Menorca has a total of 1,574 inventoried archaeological sites , ranging from the foundation blocks of small dwellings to well-preserved village centers that existed long before the Roman Empire. Most striking are the navetas,   megalithic tombs dating back to 1600 B.C.; talayots, watchtowers built from mortarless blocks of limestone; and   taulas,   shrines exclusive to Menorca that evoke Stonehenge pillars. These remnants of the Talayotic Menorcan culture, the first civilization to inhabit the island, have now been inscribed on UNESCO’s World Heritage List .  

The open-air monuments are easy to visit; the island’s Me-1 road passes by some of the best-preserved sites, including the settlements of Talatí de Dalt, Naveta des Tudons, and Taula de Torretrencada.

Reenter the 21st century at the new Hauser & Wirth gallery in the picturesque town of Mahón. Housed in repurposed 18th-century hospital buildings, the cultural venue presents contemporary art exhibits and has an outdoor sculpture trail with works by Louise Bourgeois and Joan Miró.

#14: Ride classic rails in Scotland

Exploring Scotland ’s wild, scenic Highlands doesn’t have to mean roughing it. The Royal Scotsman train glides among the moody lochs and dramatic peaks in style. New suites debuting in May 2024 sport interiors that reflect the compelling landscapes through dark woods, wool tweeds , and richly patterned bespoke tartans crafted by Scottish brand Araminta Campbell . After a day spent hiking to waterfalls or playing rounds of golf (a sport inextricably tied to the nation), guests can wind down with a massage at the onboard spa.

Departing Edinburgh ’s Waverley Station, the two- to seven-night rail journeys cross the heart of the Highlands, from Perthshire to Inverness to the rugged west coast. During stops guests can tour castles, stargaze in Cairngorms National Park , sample whisky at revered distilleries, and even take a dip in a loch.

#15: Find authentic flavor in Thailand  

The Isaan region in northeastern Thailand is known for its distinctive cuisine that reflects influences from bordering Laos and Cambodia. “Isaan is a hidden gem of Thailand,” says Weerawat “Num” Triyasenawat, the chef at Samuay & Sons , a Michelin Guide -recommended restaurant in the Isaan city of Udon Thani.

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One key ingredient of the region’s delicious food is pla ra, a fermented-fish seasoning that boosts umami flavor. Local dishes include laab   (minced meat salad), traditionally served during celebrations.

#16: Wander tea trails in Sri Lanka

Sri Lanka is virtually synonymous with tea. The island nation is one of the world’s top producers of tea leaves. British colonists introduced the first bushes about 200 years ago. Now visitors can trace the footsteps of historic planters on the new, nearly 200-mile Pekoe Trail , the country’s first long-distance walking route.  

Starting just outside Kandy, the trail follows the 19th-century tracks upon which workers and horse-drawn carts transported freshly plucked leaves. Hikers pass through hill towns and tea estates and can stop to take a cooking class or savor a cup of aromatic Ceylon tea.

#17: Gallery hop in São Paulo

São Paulo, Brazil ’s largest city, is an art lover’s paradise, home to numerous galleries, exhibitions, and street murals. The crowning jewel is the Museu de Arte de São Paulo (MASP), which is expanding to showcase more of its 11,000-plus artworks, from pre-Renaissance paintings to contemporary sculptures. Departing from the usual model of exhibiting works on walls, MASP hangs some pieces against clear panels, allowing visitors to view the art from all angles.

#18: Raft the rapids in West Virginia  

Despite its name, West Virginia ’s New River is actually one of the oldest on Earth, perhaps as old as 360 million years. The river falls 750 feet in only 50 miles between sandstone cliffs. It eventually merges with the Gauley River.   Outfitters such as ACE Adventure Resort can arrange whitewater rafting trips here on Class III to V rapids through the longest and deepest river gorge in the Appalachians.  

#19: Go antiquing in Hudson Valley

The bucolic Hudson Valley is booming, thanks to an influx of New York City residents during the pandemic. But it’s long been a mecca for creatives: Its landscapes inspired America’s first artistic fraternity, the Hudson River School. Antique collectors will be drawn to the hundreds of stores, boutiques, craft shops, and flea markets that sell everything from colonial furniture and rare books to mid-century modern decor. For vintage finds, head to the Antique Warehouse in Hudson, Sister Salvage in Catskill, and Opera House Co. in Athens.

“There’s a common denominator here—the charming historic villages,” says Sarah Gray Miller, owner of Coxsackie antique store UnQuiet . From Stuyvesant to Saugerties, these towns “share a strong commitment to preservation.”

#20: Sleep on the water in British Columbia

The newly reopened Tofino Wilderness Resort , owned by the Ahousaht First Nation, is an idyllic base from which to explore the western coast of British Columbia ’s Vancouver Island. In the heart of Clayoquot Sound, the luxury floating lodge was renovated with lumber cut from timber which fell on-site. Through guided whale-watching trips or visits to the Freedom Cove artists’ sanctuary, the Ahousaht share with guests their philosophy, hishuk ish tsawalk (“everything is one”), celebrating the interconnectedness of people and nature in a land they’ve occupied for thousands of years.

Editor's note

Related topics.

• HORSEBACK RIDING
• PETROGLYPHS
• WILDLIFE WATCHING
• WILDLIFE PHOTOGRAPHY
• CROSS-COUNTRY SKIING
• SNOWMOBILING

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14 best travel credit cards of June 2024

The best travel credit cards offer an array of premium perks and benefits . For both occasional travelers and frequent flyers, adding a travel credit card to your wallet is a great way to earn rewards and save money on every trip you take. At The Points Guy, our team has done the legwork and curated a selection of the best travel credit cards for any globe-trotter, whether you prefer to backpack through mountains or settle into a luxury villa for some relaxation. From generous travel credits to premium lounge access, we’ve chosen the cards packed with the best benefits to elevate your next travel experience.

Check out our list below and discover which travel credit card from our partners makes the best addition to your wallet for all of your adventures.

• Chase Sapphire Preferred® Card : Best for beginner travelers
• Capital One Venture Rewards Credit Card : Best for earning miles
• Capital One Venture X Rewards Credit Card : Best for premium travel
• Ink Business Preferred® Credit Card : Best for maximizing business purchases
• The Platinum Card® from American Express : Best for lounge access
• American Express® Gold Card : Best for dining at restaurants
• Capital One VentureOne Rewards Credit Card : Best for no annual fee
• The Business Platinum Card® from American Express : Best for business travel
• Wells Fargo Autograph Journey℠ Card : Best for unlimited point earning
• Chase Sapphire Reserve® : Best for travel credits
• Wells Fargo Autograph℠ Card : Best for variety of bonus categories
• American Express® Business Gold Card : Best for flexible rewards earning
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners
• Alaska Airlines Visa Signature® credit card : Best for Alaska Airlines miles

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, credit pointers with brian kelly, what is a travel credit card, helpful tools, how we rate cards, how to maximize travel credit cards, how to choose the best travel credit card, ask our experts, pros + cons of travel credit cards, frequently asked questions.

• Airport Lounge Access

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
• Annual $50 Chase Travel Hotel Credit
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
• The card comes with a $95 annual fee.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card .

• This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, worth $1,388 based on TPG valuations and not provided by the issuer.
• You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
• Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• Highest bonus-earning categories only on travel booked via Capital One Travel
• Capital One airline partners do not include any large U.S. airlines.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Capital One Venture X Rewards Credit Card

If you can maximize the  $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees ). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations ) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full  review of the Capital One Venture X Rewards Credit Card .

• 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
• 10,000 bonus miles every account anniversary
• $395 annual fee
• $300 credit annually, only applicable for bookings made through Capital One Travel portal
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
• The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• See Rates & Fees

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com ,  Milk Bar, and select Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold .

• 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
• 3 points per dollar on flights booked directly with the airline or with Amex Travel.
• Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening.
• Weak on travel and everyday spending bonus categories.
• Not as effective for those living outside the U.S.
• Some may have trouble using Uber/food credits.
• Few travel perks and protections.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the  Capital One VentureOne Rewards Credit Card .

• No annual fee.
• Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
• Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
• Earn 1.25 miles per dollar on all purchases.
• No foreign transaction fees.
• Other credit cards can offer you higher rewards for your common purchase categories.
• Capital One airline transfer partners do not include any large U.S. airlines.
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full  review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• High spend needed for welcome offer.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.

Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.

• No foreign transaction fees
• Uncapped earning potential
• $50 annual statement credit
• Solid point earning rates in popular categories
• This card features an annual fee
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve card .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access to Chase Ultimate Rewards hotel and airline travel partners.
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee.
• May not make sense for people that don't travel frequently.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our  full review of the Wells Fargo Autograph here .

• This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
• Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full  review of the American Express Business Gold Card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our  full review of the Bank of America Travel Rewards  card.

• 1.5 points per dollar on all purchases
• No annual fee
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
• No travel and purchase protections.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Alaska Airlines Visa Signature® credit card

There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our  full review of the Alaska Airline credit card.

• Free checked bag for you and up to six guests on your reservation.
• Alaska discounts, including 20% back on in-flight purchases.
• Limited Time Online Offer—60,000 Bonus Miles!
• Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations ) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.

We’ve long suggested the Chase Sapphire Preferred Card   as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points  with strong bonus categories and a reasonable annual fee.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

To add more luxury to your travel experience, consider the Chase Sapphire Reserve® . Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.

With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.

Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners , including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.

“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card  (see  rates and fees ). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.

At $395 per year (see rates and fees ), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide  and able to bring up to two guests for no additional charge.

For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.

“With an annual fee that is $300 less than The Platinum Card® from American Express (see Amex Platinum rates and fees ), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees ). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations ) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen , former points and miles reporter

Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card , which has a $95 annual fee (see rates and fees ), identical sign-up bonus and similar earning and redemption options.

The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations  peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories.

If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card .

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited® Credit Card , which offers 1.5% cash back on all purchases and carries no annual fee.

The Amex Platinum is a stellar premium travel card that can provide amazing redemptions . Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.

Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access , automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred , Hertz Gold Plus Rewards and National Car Rental Emerald Club . Enrollment is required for select benefits.

“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card  can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.

The Amex Gold earns 4 points per dollar on dining at restaurants, with no foreign transaction fees (see rates and fees ), meaning you’ll get an 8% return on purchases (based on TPG’s valuations ). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards .

Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.

“Groceries and dining at restaurants are two of my top spending categories, and I love that the Amex Gold rewards those purchases with 4 points per dollar. When you factor in the $10 dining credit and $10 in Uber Cash each month, the $250 annual fee is a net cost of $10.” — Senitra Horbrook , former credit cards editor

For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred® Card .

The no-annual-fee Capital One VentureOne Rewards Credit Card (see  rates and fees ) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees ).

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees ). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith , former credit cards writer

For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card . You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.

There are certain ways to earn bonus points for spending on the Amex Business Platinum Card, but it’s the array of perks on the card that make it a great option. Beyond airport lounge access and automatic hotel elite status, there are a number of statement credits that are specifically targeted to common business expenses.

If you travel for business frequently, this card could help you upgrade your experience in the air and on the ground while saving you money on select business-related services. And the current welcome bonus is just the icing on the cake.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that’s even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell (enrollment required), I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

For less-frequent travelers, consider the American Express®  Business Gold Card , which offers 4 points per dollar spent on your top two spending categories each month on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter).

The Autograph Journey offers cardholders the chance to earn elevated rates across travel categories including 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and 'other travel' which includes timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds. On top of this, cardholders also get the added benefit of earning a flat rate of 1 point per dollar on other purchases for a $95 annual fee.

If you travel frequently and are looking for a card to help you rack up points you can redeem for future travel, this card is a decent option. Additionally, those looking for a way to fill gaps in their points earning strategy will benefit from the flat 1 point per dollar spent on other purchases outside of the main travel categories.

Another great perk the Autograph Journey features is an annual $50 statement credit triggered by an airline purchase of at least $50. This is on top of elevated earning rates in the certain travel categories and a solid welcome offer for new applicants. There's also no foreign transaction fees on the Autograph Journey card making it a good first travel card as well as a decent supplemental card to add to your travel credit card roster.

If you're looking for a more general use credit card with no annual fee, consider the Wells Fargo Active Cash® Card (see  rates and fees ). It earns a flat rate of 2% cash rewards on purchases making an excellent choice to help fill gaps in your reward earning strategy. The best part? Like the Autograph Journey card, the Active Cash Card doesn't put a cap on the amount of cash back you can earn.

The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit  once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.

Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal  is also a nice perk.

“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred® Card  instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.

The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.

Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.

If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.

If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Bilt Mastercard® (see rates and fees ). The card earns 3 points per dollar on dining and 2 points per dollar on travel purchases for no annual fee. Plus, Bilt points can be transferred to any of its multiple travel partners. 

The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.

The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.

The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.

If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees ), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card . You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.

It’s perfect for low-budget beginner travelers  who want a card with no annual fee and a simple way to earn and redeem points.

“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith , former credit cards writer

If you’re interested in a card with transferable miles that still has no annual fee (see  rates and fees ), consider the Capital One VentureOne Rewards Credit Card .

The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.

Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.

“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith , former credit cards writer

If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred® Card might be a better option.

Travel rewards credit cards earn points, miles or cash back that are redeemable for travel expenses or are geared toward travel spending. The cards on this list are some of the best credit cards to book flights , hotels and more with their many perks and rewards . 

Travel credit cards offer rewards on different purchases that can help you book flights, hotels and more for little to no out-of-pocket expenses. Some cards also provide valuable perks and benefits that upgrade the overall travel experience — from Global Entry application fee credits to lounge access to complimentary elite status . If you have the right card (or cards) in your wallet, the sky is the limit on where your travels can take you — literally.

Additionally, it’s often advantageous to travel with more than one credit card for a variety of reasons. Carrying a backup credit card when you travel can provide peace of mind in the case of bank or issuer problems or if you have a card flagged for fraud while you travel. (In this case, knowing if your card requires you to set up travel alerts for lengthy travel could be worthwhile).

Are you new to travel rewards? Check out our beginner’s guide to all things points and miles . You’ll learn about top loyalty programs, how to maximize your credit card strategy to reach your travel goals and so much more.

Related: The complete history of credit cards, from antiquity to today

We have researched various types of travel credit cards to help you figure out which one is best for you.

Travel vs cash back credit cards

A travel credit card is a card that is geared toward travel spending and a cash-back credit card is a card that earns cash back on purchases made with the card.

Generally, when we are talking about travel credit cards we refer to cards that earn points and miles like the Platinum Card from American Express or the Hilton Honors Aspire card. The Platinum Amex earns transferable points which can be used with any of Amex's travel partners while the Hilton Honors Aspire card only earns Hilton points which can be redeemed at Hilton properties. These cards do not earn cash back on any purchases.

Cash back cards generally offer cash back as a flat rate or feature bonus categories that earn an elevated cash back rate. Select cash-back cards can also be a great travel card such as the Blue Cash Preferred Card from American Express which offers 3% cash back on transit including rideshare, trains, buses, and more. Even though it is a cash-back card, the Blue Cash Preferred offers an elevated return on select transportation which potentially makes it a solid travel card option.

How do travel credit cards work?

Travel credit cards work like other reward credit cards: They help you earn rewards, primarily points and miles, on your purchases. This section will primarily focus on transferable rewards credit cards, like the Chase Sapphire Reserve and The Platinum Card® from American Express, as they are what are typically considered travel credit cards.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn transferable points

Transferable points credit cards earn points or miles when you make a purchase on the cards. These points and miles can then be transferred to travel partners for rewards like flights, hotel stays and more. Different cards will have different currencies, but they are generally called either “points” or “miles” (depending on the issuer). All transferable reward credit cards, airline credit cards and hotel credit cards will have their own currency that is redeemable for travel rewards. 

Travel cards have varying rates for different purchase categories. For example, the American Express® Gold Card card earns 4 points per dollar spent on restaurants but only 3 points per dollar spent on flights booked directly with the airline or Amex Travel. While the Amex Platinum may be a better card for travel as it earns 5 points per dollar spent on flights (booked directly with airline or Amex Travel and up to $500,000 per calendar year), the Amex Gold can be a good addition for Platinum holders who spend a lot of money on dining out.

Related: How to redeem American Express Membership Rewards for maximum value

How to redeem points and miles  

Once you’ve decided on a travel credit card and earned a welcome bonus, it’s time to put those points or miles toward free travel. There are many ways to redeem your rewards with travel credit cards. Many cards feature an online booking portal through which you can use your rewards to book things like flights, hotels and car rentals. Before booking your flight, you should consider doing a  flight portal comparison to ensure you're getting the best redemption. Others allow you to transfer your points or miles to individual loyalty programs. Depending on the redemption, this could unlock even more value.

There are plenty of ways to ensure you don’t make mistakes with your travel rewards . For instance, be sure you do your research with your rewards to get a high-value redemption and make sure your accounts are in good standing so you don’t risk losing them.  

Related: Tips and tricks to get maximum value from your Capital One miles

It’s up to you to decide whether a specific trip is worth spending your rewards. You can use TPG’s monthly valuations to help you determine if the price of your flight or hotel room is worth your points and miles. Some travels are more affordable in cash, but you can always save your points to splurge on a business-class flight to Europe or an overwater bungalow at a luxury resort. 

How to use travel credit card portals  

In the world of travel credit cards, the four major players are American Express, Capital One, Chase and Citi. These issuers also have their own travel portals which can be used to earn and redeem points for travel. 

Some issuers, like Capital One and Chase , offer an incentive to book travel through the bank’s portal but it is not always worth booking through a portal. 

We do not recommend booking hotel travel through card portals as it typically does not honor elite-status benefits or elite-qualifying stay credits. 

Luckily, flights typically allow you to earn bonus points through a card issuer’s portal and with the airline. Keep in mind that this does not apply to all cards. When purchasing in cash, there generally is little variance in booking through a portal or on the airline’s website so if your travel credit card offers incentives to book through the portal , it can be a great way to earn extra points. 

Related: Ultimate guide to the Citi travel portal

Points and miles redemptions will have a fair variance, especially if there are incentives to book through the travel portals. Overall, travel portals can be a great addition to your points redemption journey if properly used. Always remember to compare the price or redemption value of booking through a portal or directly with an airline. 

Booking through a portal may make matters complicated if you ever need to change or cancel your flight. 

Related: Battle of the credit card travel portals: Which is the best for booking flights?

Types of travel credit cards

Travel credit cards are cards that are geared towards travel spending. Luckily, there are many types of travel credit cards which means there is a good option for any traveler. Typically, when talking about travel credit cards, we are referring to transfer rewards credit cards, airline credit cards and hotel credit cards. There are additional types of travel credit cards that are less popular but can still be a good option for the right traveler.

Transferable rewards credit cards earn points and miles that can be redeemed through a card’s rewards program directly or by transferring them to a travel partner . Many of our best travel credit cards fall under this category because they are the most valuable type of points you can earn. Transferable rewards give you the flexibility to redeem your rewards in a way that will be most beneficial to you. Examples of top transferable rewards cards are the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline. For example, an airline card may offer free checked bags , a certain number of elite-qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more.

Hotel cobranded cards work like airline cards. You’ll earn rewards that are redeemable for a particular hotel program, such as Hilton or Marriott. Hotel cards come with their own benefits, such as complimentary elite status or free award-night stays. In addition, hotel cards can help you stack your earnings on hotel stays with the hotel’s program.

For example, if you have a Marriott credit card , you’ll earn bonus points for every dollar spent at participating Marriott properties on top of the 10 base points you get as a member of the Bonvoy program. This can really amplify the rewards you can earn when you use your hotel card to pay for your booking.

The points and miles world can be confusing for new credit card users but it doesn’t have to be. While transferable rewards cards are arguably the best way to earn points and miles for travel, they can also be incredibly confusing. Fixed-value credit cards and cash-back credit cards are good alternatives for beginners who are looking to get into the travel credit card world.

Fixed-value cards earn points or miles that are always redeemed for the same value. For example, the Bank of America® Premium Rewards® credit card earns points worth 1 cent each. These cards are great for beginners who haven’t quite gotten the hang of maximizing transferable points or casual travelers who are looking for their first travel credit card . Fixed-value credit cards are often the best travel credit cards for beginners. 

As more hotels and airlines move to a dynamic pricing model where award pricing shifts dramatically, fixed-value rewards programs are becoming more popular.

Another great credit card option for casual travelers or credit card beginners is cash-back credit cards. You don’t have to worry about points, transfer partners or maximizing your rewards with these cards. Cash-back cards provide a percentage of cash back on your spending and provide a simple way to save on your upcoming travels. 

The Capital One Quicksilver Cash Rewards Credit Card (see rates and fees ) is a great option for beginners to travel rewards. It earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and has no annual fee.

Travel credit card benefits

Some travel cards offer automatic elite status with various programs when you sign up and can also accelerate the journey to elite airline status by converting points to air miles. If you are loyal to a particular hotel brand, status with that brand will be valuable. You’ll be entitled to room upgrades, resort credits, early check-in, late checkout and more. If you’re not loyal, it won’t. The same goes for elite status with an airline — you’ll get lounge access, upgrades, increased baggage allowance, etc. When comparing the perks of various cards like elite status, be realistic about which ones you will and won’t use.

One of the coveted perks of premium travel credit cards is complimentary airport lounge access. Many premium travel credit cards come with Priority Pass lounge access , a membership that allows access to airport lounges across the world. These lounges are a great place to relax before your flight or have a snack during a long layover. Amenities will vary between lounges but most lounges provide wifi, private seating and refreshments. Be sure to check the priority pass guest policy as many lounges allow you to bring a complimentary guest (or guests).

TSA PreCheck and Global Entry are both expedited screening programs for travelers. TSA PreCheck is reserved for expedited security screening for domestic flights and Global Entry provides expedited customs screening for international travelers when entering the United States. 

The application fee for TSA PreCheck is up to $85 and $100 for Global Entry. If you are approved for the program, the membership is valid for 5 years. Many travel credit cards will offer statement credit for the application . 

What TPG readers have to say about their favorite travel credit cards

Fan favorites among top travel credit cards include those that earn both points and miles. In addition to helping offset the cost of travel — whether it’s for rental cars, hotel stays or flights — some TPG readers love that travel cards also offer travel insurance (including protections for things like delayed or lost baggage). We asked our readers which credit card has made the biggest impact when they travel and why — here are their responses.

Note: Responses have not been edited.

“Allowed me to justify staying at nicer hotels and just overall leveling up with how I travel.” — Jackie C via Facebook  

“ Venture X for me - lounge access and my first long haul biz [sic] class flight on points! Changing my travel game for the better!” — Lauren R via Facebook

“Can't beat the flexibility of the $300 travel credit from the Chase Sapphire Reserve .” — Armando S via Facebook

• Awards vs cash calculator Compare the cost in points or miles to cash.
• CardMatch™ Get prequalified offers in less than 60 seconds.

Earn the welcome bonus

One of the best ways to maximize your travel credit cards is to earn the welcome bonus . Most travel credit cards will offer a welcome or sign-up bonus that allows cardmembers to earn points or miles that would otherwise require a very high spend. Welcome bonuses are a crucial part of a card’s value, so before you apply for your next travel card, be sure to plan for how you will meet the spending requirement. Ideally, you would align large purchases with your card opening so that you don’t need to spend frivolously to earn that lucrative welcome bonus .

Use a travel card that matches your travel style

There is a travel credit card for everyone, but not every travel card is the best fit for your wallet . Consider what type of traveler you are, whether you have any brand loyalty and what perks you are looking for from your next credit card. If you travel often and in luxury, consider premium cards like The Platinum Card® from American Express or Chase Sapphire Reserve® . These cards are loaded with tons of luxury perks like lounge access and automatic elite status . 

Alternatively, if you’re a more thrifty traveler who likes to maximize your travel earnings, consider a mid-tier travel card like the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card . These cards allow you to earn points on your travel, and while they don’t come with a long list of luxury perks, they’re much more cost-effective for a traveler on a budget .

And even beginners don’t have to veer away from travel cards, since many products out there offer an introduction to the travel rewards world without incurring an annual fee.

It’s important to consider where you’re looking to go when you book trips, as certain cards are especially useful for international travel . Plus, if you’re someone who frequents the skies (such as a digital nomad), there are certain credit cards best for long-term travelers .

Knowing what your travel style is like will help you determine what type of travel card you need.

Use loyalty programs to stack your rewards

You don’t have to limit your earnings to just travel credit cards . Many airlines and hotel chains have loyalty programs that can be used in conjunction with your travel card to unlock added perks when doing business with a specific brand. In addition, many travel credit cards allow you to transfer points from your card to your eligible loyalty programs . This can open up nearly endless redemption options, including award chart sweet spots that can get you the most maximized redemptions for your points and miles.

• 1 Sign-up bonus Choosing a card with a healthy sign-up bonus will help jumpstart the possibility of unlocking elite status across different areas, including airline and hotel loyalty programs.
• 2 Annual fee Premium travel credit cards typically feature higher annual fees. Double-check that the card you choose suits your spending habits and travel needs before applying.
• 3 Bonus categories It also helps to check which bonus categories a card offers to ensure that they align with your spending, whether it’s at restaurants, at grocery stores or on streaming subscriptions.

What's your favorite travel credit card — and why?

• Using credit cards responsibly can help build your credit score
• Travel credit cards can earn cash back, points or miles on every dollar you spend.
• Travel credit cards can provide purchase, theft and fraud protection.
• Travel credit cards provide perks like travel insurance, complimentary hotel stays and more.
• Credit cards can encourage overspending.
• Carrying a balance and using your card irresponsibly can damage your credit score
• The cost of borrowing on credit cards is higher than traditional loans
• Having too many card applications can negatively affect your credit score
• Travel credit cards may be too complicated (or expensive) for those who aren’t frequent travelers.

Generally speaking, you need at least a very good credit score in order to get many popular travel credit cards. According to FICO, the scoring model used by most lenders, this is a score of at least 740. However, there’s no hard-and-fast rule, as each individual credit card issuer looks at a variety of factors in addition to your credit score when deciding whether to approve or decline your application.

Thankfully, there are a number of ways to check your credit score for free , so you can get an idea of where you stand before wasting an application (and a hard inquiry on your credit report) for a card for which you’re unlikely to qualify.

Points and miles are simply two different ways to describe the same thing: the rewards you earn on a credit card. As an example, many popular Capital One credit cards earn miles, whereas cards that participate in Chase Ultimate Rewards accrue points. There’s no appreciable difference between the two words.

This gets a little more complicated when you begin discussing cash-back credit cards. Some of these show earnings with a dollar amount, while others show cash-back rewards in points. However, here too there’s no significant difference. It’s simply how the card issuer chooses to describe the rewards you’re earning.

It depends entirely on your typical travel habits. Many popular travel credit cards feature rewards, benefits and redemption options that only come into play when you’re actually on the road. This includes perks like airport lounge access,  rental car insurance  or statement credits for certain travel purchases. Ultimately, you should look at how much value you expect to get out of a given travel card in one year. Then, compare that to the card’s annual fee to make sure you’re getting at least that much value.

It depends. Generally speaking, you should aim to use your rewards from travel credit cards for travel-related purchases – like flights or hotel rooms. However, everyone has a different version of what “value” looks like here. Some travelers are perfectly content redeeming 25,000 miles for a $250 economy flight. Others would rather save up and use 100,000 miles for a $5,000 business-class ticket. The important thing is to avoid redemptions like gift cards or merchandise, since those typically offer poor value for your points and miles.

Ultimately, it’s up to you to determine whether you want to keep cash in your pocket by using rewards for a particular purchase instead.

Many of the luxury travel cards on this list offer hundreds of dollars in annual travel statement credits. However, not all annual travel statements are created equal. While some cards feature easy redemptions, other cards feature redemptions that come with more restrictions. 

Out of the various cards that offer annual travel credits, the Chase Sapphire Reserve has the easiest redemption process for travel credits . The Chase Sapphire Reserve's travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more. Additionally, the travel does not have to be booked through Chase’s travel portal, and the statement credit will automatically post when you make an eligible purchase. 

• Patient Care & Health Information
• Diseases & Conditions
• Urinary tract infection (UTI)

Female urinary system

Your urinary system includes the kidneys, ureters, bladder and urethra. The urinary system removes waste from the body through urine. The kidneys are located toward the back of the upper abdomen. They filter waste and fluid from the blood and produce urine. Urine moves from the kidneys through narrow tubes to the bladder. These tubes are called the ureters. The bladder stores urine until it's time to urinate. Urine leaves the body through another small tube called the urethra.

Male urinary system

A urinary tract infection (UTI) is an infection in any part of the urinary system. The urinary system includes the kidneys, ureters, bladder and urethra. Most infections involve the lower urinary tract — the bladder and the urethra.

Women are at greater risk of developing a UTI than are men. If an infection is limited to the bladder, it can be painful and annoying. But serious health problems can result if a UTI spreads to the kidneys.

Health care providers often treat urinary tract infections with antibiotics. You can also take steps to lower the chance of getting a UTI in the first place.

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UTI s don't always cause symptoms. When they do, they may include:

• A strong urge to urinate that doesn't go away
• A burning feeling when urinating
• Urinating often, and passing small amounts of urine
• Urine that looks cloudy
• Urine that appears red, bright pink or cola-colored — signs of blood in the urine
• Strong-smelling urine
• Pelvic pain, in women — especially in the center of the pelvis and around the area of the pubic bone

In older adults, UTI s may be overlooked or mistaken for other conditions.

Types of urinary tract infections

Each type of UTI may result in more-specific symptoms. The symptoms depend on which part of the urinary tract is affected.

When to see a doctor

Contact your health care provider if you have symptoms of a UTI .

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UTI s typically occur when bacteria enter the urinary tract through the urethra and begin to spread in the bladder. The urinary system is designed to keep out bacteria. But the defenses sometimes fail. When that happens, bacteria may take hold and grow into a full-blown infection in the urinary tract.

The most common UTI s occur mainly in women and affect the bladder and urethra.

Infection of the bladder. This type of UTI is usually caused by Escherichia coli (E. coli). E. coli is a type of bacteria commonly found in the gastrointestinal (GI) tract. But sometimes other bacteria are the cause.

Having sex also may lead to a bladder infection, but you don't have to be sexually active to develop one. All women are at risk of bladder infections because of their anatomy. In women, the urethra is close to the anus. And the urethral opening is close to the bladder. This makes it easier for bacteria around the anus to enter the urethra and to travel to the bladder.

• Infection of the urethra. This type of UTI can happen when GI bacteria spread from the anus to the urethra. An infection of the urethra can also be caused by sexually transmitted infections. They include herpes, gonorrhea, chlamydia and mycoplasma. This can happen because women's urethras are close to the vagina.

Risk factors

UTI s are common in women. Many women experience more than one UTI during their lifetimes.

Risk factors for UTI s that are specific to women include:

• Female anatomy. Women have a shorter urethra than men do. As a result, there's less distance for bacteria to travel to reach the bladder.
• Sexual activity. Being sexually active tends to lead to more UTI s. Having a new sexual partner also increases risk.
• Certain types of birth control. Using diaphragms for birth control may increase the risk of UTI s. Using spermicidal agents also can increase risk.
• Menopause. After menopause, a decline in circulating estrogen causes changes in the urinary tract. The changes can increase the risk of UTI s.

Other risk factors for UTI s include:

• Urinary tract problems. Babies born with problems with their urinary tracts may have trouble urinating. Urine can back up in the urethra, which can cause UTI s.
• Blockages in the urinary tract. Kidney stones or an enlarged prostate can trap urine in the bladder. As a result, risk of UTI s is higher.
• A suppressed immune system. Diabetes and other diseases can impair the immune system — the body's defense against germs. This can increase the risk of UTI s.
• Catheter use. People who can't urinate on their own often must use a tube, called a catheter, to urinate. Using a catheter increases the risk of UTI s. Catheters may be used by people who are in the hospital. They may also be used by people who have neurological problems that make it difficult to control urination or who are paralyzed.
• A recent urinary procedure. Urinary surgery or an exam of your urinary tract that involves medical instruments can both increase the risk of developing a UTI .

Complications

When treated promptly and properly, lower urinary tract infections rarely lead to complications. But left untreated, UTI s can cause serious health problems.

Complications of a UTI may include:

• Repeated infections, which means you have two or more UTI s within six months or three or more within a year. Women are especially prone to having repeated infections.
• Permanent kidney damage from a kidney infection due to an untreated UTI .
• Delivering a low birth weight or premature infant when a UTI occurs during pregnancy.
• A narrowed urethra in men from having repeated infections of the urethra.
• Sepsis, a potentially life-threatening complication of an infection. This is a risk especially if the infection travels up the urinary tract to the kidneys.

These steps may help lower the risk of UTI s:

• Drink plenty of liquids, especially water. Drinking water helps dilute the urine. That leads to urinating more often — allowing bacteria to be flushed from the urinary tract before an infection can begin.
• Try cranberry juice. Studies that look into whether cranberry juice prevents UTI s aren't final. However, drinking cranberry juice is likely not harmful.
• Wipe from front to back. Do this after urinating and after a bowel movement. It helps prevent the spread of bacteria from the anus to the vagina and urethra.
• Empty your bladder soon after having sex. Also drink a full glass of water to help flush bacteria.
• Avoid potentially irritating feminine products. Using them in the genital area can irritate the urethra. These products include deodorant sprays, douches and powders.
• Change your birth control method. Diaphragms, unlubricated condoms or condoms treated with spermicide can contribute to bacterial growth.

Urinary tract infection (UTI) care at Mayo Clinic

• Partin AW, et al., eds. Infections of the urinary tract. In: Campbell-Walsh-Wein Urology. 12th ed. Elsevier; 2021. https://www.clinicalkey.com. Accessed June 13, 2022.
• Ferri FF. Urinary tract infection. In: Ferri's Clinical Advisor 2022. Elsevier; 2022. https://www.clinicalkey.com. Accessed June 13, 2022.
• Bladder infection (urinary tract infection) in adults. National Institute of Diabetes and Digestive and Kidney Diseases. https://www.niddk.nih.gov/health-information/urologic-diseases/bladder-infection-uti-in-adults. Accessed June 13, 2022.
• Urinary tract infections (UTIs). The American College of Obstetricians and Gynecologists. https://www.acog.org/womens-health/faqs/urinary-tract-infections. Accessed June 13, 2022.
• Cai T. Recurrent uncomplicated urinary tract infections: Definitions and risk factors. GMS Infectious Diseases. 2021; doi:10.3205/id000072.
• Hooton TM, et al. Acute simple cystitis in women. https://www.uptodate.com/contents/search. Accessed June 14, 2022.
• Pasternack MS. Approach to the adult with recurrent infections. https://www.uptodate.com/contents/search. Accessed June 14, 2022.
• Cranberry. National Center for Complementary and Integrative Health. https://nccih.nih.gov/health/cranberry. Accessed June 13, 2022.
• Goebel MC, et al. The five Ds of outpatient antibiotic stewardship for urinary tract infections. Clinical Microbiology Reviews. 2021; doi:10.1128/CMR.00003-20.
• Overactive bladder (OAB): Lifestyle changes. Urology Care Foundation. https://urologyhealth.org/urologic-conditions/overactive-bladder-(oab)/treatment/lifestyle-changes. Accessed June 13, 2022.
• Nguyen H. Allscripts EPSi. Mayo Clinic. May 5, 2022.
• AskMayoExpert. Urinary tract infection (adult). Mayo Clinic; 2022.

News from Mayo Clinic

• UTI: This common infection can be serious Jan. 12, 2024, 04:24 p.m. CDT
• Mayo Clinic Q and A: 6 UTI myths and facts Feb. 02, 2023, 01:42 p.m. CDT
• 5 tips to prevent a urinary tract infection July 12, 2022, 04:41 p.m. CDT
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Health | Amid slight COVID-19 increase, new variants,…

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Health | Amid slight COVID-19 increase, new variants, take ‘common-sense precautions,’ says LA County

COVID cases and hospitalizations have spiked upward the past three summers as people take advantage of warmer weather to travel and gather with others, according to the county Department of Public Health. In 2021 and 2023, cases began creeping upward in early July, while in 2022, the increase began in early May.

Fueled by the emergence of new “FLIRT” variants of the virus, the county has already begun to see “small increases” this year in reported COVID-19 cases, testing-positivity rates and concentrations of the virus in wastewater.

According to the Department of Public Health, there were 106 average daily new COVID-19 cases in the county this week, up from 83 per day last week. Health authorities reminded residents that the official case numbers continue to be an undercount of actual infections, since many people either do not test or do not report results of home tests to health officials.

Given that lack of reporting, health officials also monitor concentrations of the virus found in wastewater streams as a more accurate representation of infections. According to the county, wastewater concentrations of the virus are currently running at about 16% of the most recent winter peak, up from 11% a week ago.

The county is also seeing an average of 19.6 new COVID-related hospital admissions per day, up from 16.9 three weeks ago. According to health officials, 9% of hospitalized COVID patients in the past week were in intensive care units.

COVID-related deaths remain low, with the county reporting an average of one per day.

“While COVID-19 transmission patterns continue to evolve, Public Health encourages residents to take simple precautions to reduce transmission,” according to a statement from the agency. “Summer plans can easily be disrupted by COVID-19 illness and increased transmission continues to pose more risk for the elderly.

“COVID-19 testing is still recommended, especially for anyone who suspects they have COVID-19 symptoms. Free tests are available throughout Los Angeles County and at local pharmacies through most insurance plans.”

People who test positive should isolate themselves until they are fever-free for 24 hours without medication and symptoms ease. Health officials also continued to recommend vaccinations, including the most recent booster. Information on vaccinations and how to obtain them is available at publichealth.lacounty.gov/vaccines.

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