The below list of credit cards represents the best value you can get right now in different categories such as rewards (points), travel, cash back, hotel and airline loyalty cards.
Chase Sapphire Preferred Credit Card
Annual Fee: $95
Interest Rate: 15.99% – 22.99%
FICO Score: 740 – 850
Award Rate: 1x – 5x
SignOn Bonus: 60,000 points after $4,000 in 3 months
The Chase Sapphire Preferred credit card is one of the best travel cards in the market. It offers a generous sign on bonus, strong reward earning potential for people who travel and dine out frequently, great flexibility in how you redeem your points, a large number of airline and hotel partner programs you can transfer your points to at 1:1 rate and travel insurance to cover an unexpected surprises on your adventures. This is a top pick for any serious traveler who is looking earn points for free flights or hotel stays.
- Enjoy a one time bonus of 60,000 points (equal to $750 when you redeem through Chase Ultimate Rewards) after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 5X points on travel purchased through Chase Ultimate Rewards.
- Earn 3X points on dining , online grocery purchases and select streaming services.
- Earn 2X points on all other travel purchases.
- Earn 1X points on all other purchases.
- Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Ultimate Rewards.
- Each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
- With Pay Yourself Back, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- 1:1 point transfers to leading airline and hotel loyalty programs.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by March 31, 2022.
- Travel Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- No Foreign Transaction Fees
Capital One Venture Credit Card
Annual Fee: $95
Interest Rate: 15.99% – 23.99%
FICO Score: 670 – 850
Award Rate: 2x
SignOn Bonus: 60,000 miles after $3,000 spent in 3 months
This is a popular travel card to earn points (that never expire) and can be transferred to 15+ travel partners. It has a simple earnings structure of 2X points for every point spent, making it perfect card for beginners looking to accumulate travel points. To maximize value of the points it is recommended to check airline partners for better redemption rates (if points transferred).
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening.
- Earn 5X miles on hotels and rental cars booked through Capital One Travel.
- Earn unlimited 2X miles on every purchase.
- Transfer your miles to your choice of 15+ travel loyalty programs.
- Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- 2 free visits per year to Capital One Lounges.
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel.
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
- Travel and auto collision insurance.
- Fraud Protection for lost or stolen cards.
- No foreign transaction fees.
Capital One Venture X Card Card
Annual Fee: $395
Interest Rate: 16.99% – 23.99%
FICO Score: 740 – 850
Award Rate: 2x – 10x
SignOn Bonus: 100,000 miles after $10,000 spent in 6 months
The Capital One Venture X is a great travel card that’s been optimized to work best with Capital One’s travel portal as your main reservation tool. It offers a rich sign-on bonus, high spending multipliers, generous annual statement credits, access to international lounges and a large airline partner network where points can be transferred at a 1:1 rate for most airlines on the list.
- Enjoy a one time bonus of 100,000 points (equal to $1,000 towards travel) once you spend $10,000 on purchases within the first 6 months from account opening.
- Earn 10x miles on hotels and rental cars booked through Capital One Travel.
- Earn 5x miles on flights booked through Capital One Travel.
- Earn 2X miles on all other purchases.
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Receive up to $300 in statement credits when booking through Capital One Travel.
- Receive up to $200 in statement credits for vacation rentals charged to your account within your first year. Limited time offer.
- Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- Get unlimited access to all-inclusive amenities at Capital One Lounges.
- Receive complementary Priority Pass membership to get access to 1,300+ airport lounges internationally.
- Transfer your miles to your choice of 15+ travel loyalty programs.
- Get access to Hertz’s President’s Circle (enrollment required).
- Travel and auto insurance.
- You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
- Protect your cell phone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800
- No foreign transaction fees.
Delta SkyMiles Gold American Express Card
Annual Fee: $99 ($0 first year)
Interest Rate: 15.74% to 24.74%
FICO Score: 670 – 850
Award Rate: 1x – 2x
SignOn Bonus: 40,000 miles after $1,000 spent in 3 months
If you are a frequent traveler on Delta Airlines then this is a solid card to have. The sign on bonus is generous and easy to attain (only $1000 to be spent in 3 months) to get 40,000 miles (a $500 value). Other Delta centric perks include free check bag and inflight discounts that can save you hundreds of dollars a year.
- Enjoy a one time bonus of 40,000 points once you spend $1,000 on purchases within the first 3 months from account opening
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
- Earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Enjoy your first checked bag free on Delta flights.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- After you spend $10,000 in purchases on your card in a calendar year, receive a $100 Delta Credit to use toward future travel.
- Car rental insurance, purchase and extended warranty protection.
- No foreign transaction fees
World Of Hyatt Credit Card
Annual Fee: $95
Interest Rate: 15.99% – 22.99%
FICO Score: 670 – 850
Award Rate: 1x – 9x
SignOn Bonus: 30,000 points after $3,000 spent in 3 months
This card can be used to spend your way to elite status. If you were to spend $50,000 on the card, you would receive 20 elite night credits in addition to the 5 you receive for having the card, for a total of 25 nights toward the 30 you need for top status. Plus, you’ll receive a free night at any Category 1-4 Hyatt hotel after each cardmember anniversary, and another identical free night after spending $15,000 in a cardmember year.
- Earn 30,000 points after you spend $3,000 on purchases in your first 3 months from account opening.
- Earn up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year.
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card.
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Bank Of America - Travel Card
Annual Fee: $395
SignOn Bonus: 100,000 miles after $10,000 in 6 months
Our Verdict: This is a solid no-fee credit card for someone starting out. The introductory bonus is low compared to other credit cards and definitely would not be ideal for someone who is high spender and travels a lot.
Card Type: Rewards
Best For: Everyday spending & bookings on Capital One travel portal
Bank Of America - Travel Card
Annual Fee: $395
SignOn Bonus: 100,000 miles after $10,000 in 6 months
Our Verdict: This is a solid no-fee credit card for someone starting out. The introductory bonus is low compared to other credit cards and definitely would not be ideal for someone who is high spender and travels a lot.
Card Type: Rewards
Best For: Everyday spending & bookings on Capital One travel portal
Bank Of America - Travel Card
Annual Fee: $395
SignOn Bonus: 100,000 miles after $10,000 in 6 months
Our Verdict: This is a solid no-fee credit card for someone starting out. The introductory bonus is low compared to other credit cards and definitely would not be ideal for someone who is high spender and travels a lot.
Card Type: Rewards
Best For: Everyday spending & bookings on Capital One travel portal
