Credit Cards for Travel

Travel credit cards are specifically esigned for frequent travelers as they offer a range of benefits tailored to enhance the travel experience. These cards typically provide rewards and perks that are specifically geared towards travel-related expenses, such as airline miles, hotel points, or flexible travel rewards. Cardholders can earn these rewards by making purchases, and they can later redeem them for flights, hotel stays, rental cars, and other travel-related expenses. Travel credit cards often come with additional travel perks such as airport lounge access, travel insurance coverage, priority boarding, and baggage fee waivers. Some travel credit cards also waive foreign transaction fees, making them an ideal choice for international travelers. With these cards, individuals can enjoy the convenience of making purchases while earning rewards that can be redeemed for future travel adventures.

The Best Credit Cards

Sapphire Reserve®

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On Chase's Secure Website

Sapphire Reserve®
4.9

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome Offer

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That’s worth $900 when redeemed for travel through Chase Travel or $600 for cash.


Rewards

  • 10x and 5x Points on Select Chase Travel Purchases (after spending $300 on travel annually):
    • 10x Points on Hotels (excluding The Edit℠).
    • 10x Points on Car Rentals.
    • 5x Points on Flights.
  • 3x Points on Select Categories:
    • 3x Points on Other Travel Purchases after spending $300 on travel annually.
    • 3x Points on Dining, including takeout and eligible delivery services.
  • 10x Points on Chase Dining Purchases with Ultimate Rewards®.
  • 1x Points on All Other Purchases.

Partner Benefits

  • Lyft: Earn 10x Points on Lyft rides through March 2025.
  • Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access membership (valued at $199/year). Activate by December 31, 2024. After the two-year period, membership auto-renews at 50% off the annual rate for the third year, and at the full rate thereafter unless canceled.
  • Peloton: Earn 10x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 50,000 points. Offer valid through March 31, 2025.
  • DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
  • $5 Monthly DoorDash/Caviar Credit: Receive $5 in credits each month for DoorDash and Caviar orders. Offer valid through January 31, 2025.
  • $10 Off DoorDash Non-Restaurant Orders: Get $10 off two non-restaurant orders per month on DoorDash. Discounts are applied at checkout on eligible orders.

Lounge Access

  • Complimentary Priority Pass™ Select membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
  • Chase Sapphire Lounge by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere. To access these lounges, Sapphire Reserve cardmembers should enroll in their complimentary Priority Pass™ Select membership.
  • Air Canada Lounges: Sapphire Reserve cardmembers enjoy access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Simply present your Sapphire Reserve card and a same-day boarding pass for a Star Alliance flight. Exclusions apply.

Redemption Options

  • Redeem your rewards for cash, gift cards, travel, products, services, and more.
  • 50% More Value on Travel Redemption: Get 50% more value when you redeem points for travel through Chase Travel.
  • 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value. For example, 1,000 Chase Ultimate Rewards points equals 1,000 partner miles/points.

Fees and APR

  • Annual Fee: $550, with an additional $75 per year for each authorized user.
  • Regular APR: 21.74% - 28.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
  • Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
  • The Edit℠: Book through The Edit℠ to access a curated selection of exceptional accommodations, offering exclusive perks like daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
  • Special Car Rental Benefits: Receive VIP amenities, complimentary status upgrades, and discounts with Avis®, Hertz®, National®, and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card.
  • Ennismore Hotel Benefits: Enjoy VIP perks at Delano, Hyde, Mondrian, Morgans Originals, and SLS hotels and resorts worldwide. Benefits include a complimentary 4th night, room upgrades, late check-out, priority cabana reservations, a $30 food and beverage credit, and more.
  • Other Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, and Emergency Medical and Dental.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

  • Reserved by Sapphire℠: Enjoy VIP access to exclusive sports, festivals, dining, and entertainment experiences, including exclusive lounges, early ticket sales, premium seating, and more.
  • Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
  • Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

Zero liability protection, fraud protection, 24/7 customer service, contactless checkout, compatibility with digital wallets, and chip-enabled for enhanced security.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Sapphire Reserve® is a premium card offering elevated rewards on travel and dining, a generous welcome bonus, and standout benefits like a $300 annual travel credit and 50% more value on travel redemptions through Chase Travel. With perks like lounge access and comprehensive travel protections, it’s ideal for frequent travelers who can maximize its extensive benefits, despite the $550 annual fee.

IHG One Rewards Traveler

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IHG One Rewards Traveler
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at IHG® Hotels and Resorts: Get 5x points for every $1 spent with this card, plus up to 10x points for being an IHG One Rewards member, and up to 2x points for Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember. Earn 3x points on dining, gas, utilities, internet, cable, phone services, and select streaming services. Additionally, earn 2x points on all other purchases.

2x - 5x Points

Welcome Offer Earn 80,000 bonus points after spending $2,000 in the first three months.

80,000 Points

Welcome Offer

Earn 80,000 bonus points after spending $2,000 in the first three months. That’s up to 2 nights at IHG Hotels & Resorts.


Rewards

  • Up to 17x Points at IHG® Hotels and Resorts: 5x points for every $1 spent with the IHG One Rewards Traveler card + up to 10x points for being an IHG One Rewards member + up to 2x points with Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember.
  • 3x Points on Select Categories:
    • 3x Points on Dining.
    • 3x Points at Gas Stations.
    • 3x Points on Utilities.
    • 3x Points on Internet, Cable, and Phone Services.
    • 3x Points on Select Streaming Services.
  • 2x Points on All Other Purchases.
  • Annual Bonus: Earn 10,000 bonus points after spending $10,000 in purchases each calendar year.
  • Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Elite Hotel Status

  • Automatic Silver Elite Status with IHG One Rewards: Enjoy automatic Silver Elite Status with benefits like Late Checkout (where available) and 20% more points on stays at participating IHG Hotels & Resorts. Status renews every account anniversary year.

Redemption Options

  • Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
  • Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Early Access to IHG Reward Night Sales: IHG One Rewards Cardmembers enjoy exclusive early access to Reward Night sales each year.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Fraud protection.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The IHG One Rewards Traveler card offers a valuable welcome bonus, complimentary Silver Elite Status, and increased rewards at IHG® Hotels and Resorts, dining, gas, utilities, and select streaming services. It also provides 2x points on other purchases. With strong purchase and travel benefits, it's a great option for frequent IHG® travelers.

Choice Privileges® Select Mastercard®

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On Wells Fargo's Secure Website

Choice Privileges® Select Mastercard®
4.2

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores and phone plan services. Earn 1x on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.

60,000 Points

  • Welcome Offer: Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.
  • 10x Points: On stays at participating Choice Hotels® properties and on Choice Privileges point purchases.
  • 5x Points: At gas stations, grocery stores, home improvement stores and phone plan services.
  • 1x Points: On all other purchases.
  • Anniversary Bonus: Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
  • Automatic Platinum Elite Membership: Receive 20 Elite night credits each year, which qualifies you for Choice Platinum Elite status. Enjoy the perks of Elite Platinum Status and earn 25% bonus points every time you book a qualifying stay with Choice® hotels.
  • Annual Fee: $95.
  • Foreign Transaction Fees: None.
  • Redeem Points at Choice Privileges.
  • Global Entry®/TSA PreCheck®: Get up to $100 in Airport Security Statement Credits towards TSA PreCheck® or Global Entry Application fees every four years.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Mastercard Golf, Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, Lost Baggage Reimbursement, and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Protection Benefits: Include Mastercard ID Theft Protection.
  • Regular APR: 20.24% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Choice Privileges® Mastercard® might be a good choice if you are staying at Choice Hotels frequently and want to earn points on your stays and everyday spending. Great additions are a welcome bonus, Choice Platinum Elite status, TSA PreCheck or Global Entry, and Mastercard Travel benefits.

AAdvantage® Executive World Elite Mastercard

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On Citi's Secure Website

AAdvantage® Executive World Elite Mastercard
4.5

Annual fee:
$595

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 29.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars. Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases. Earn 1x AAdvantage® mile on all other purchases.

1x - 10x Miles

Welcome Offer Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.

70,000 Miles

  • Welcome Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
  • Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
  • Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases.
  • Earn 1x AAdvantage® mile on all other purchases.
  • Annual Fee: $595.
  • Annual Fee for Authorized Users: $175 for up to 3 users, $175 for each additional user.
  • Foreign Transaction Fees: None.
  • Admirals Club®: Free Membership (a value of up to $850), including access for immediate family or up to two guests.
  • First Checked Bag Free: On domestic American Airlines flights for you and up to 8 companions.
  • TSA PreCheck® or Global Entry Fee Credit: Up to $100 every 4 years (increases to $120 from October 1st).
  • Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
  • 25% Savings on Inflight Food and Beverage: When using your card on American Airlines flights.
  • Vacation Packages Discount: Save 10% on eligible American Airlines vacation packages at AAVacations.com.
  • Loyalty Points: Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
  • Loyalty Points Bonuses: Earn 10,000 bonus points after reaching 50,000 Loyalty Points, and another 10,000 after reaching 90,000 Loyalty Points in a status year.
  • Redeem AAdvantage® Miles: For flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.
  • Lyft Credits: Earn $10 in Lyft credits after taking 3 eligible rides in a month, up to $120 annually.
  • Avis® and Budget Car Rentals: Earn up to $120 back annually with a $1 statement credit per $1 spent on eligible car rentals.
  • Grubhub Purchases: Earn up to $120 back annually with $10 monthly statement credits on eligible purchases.
  • Travel Protection: Includes trip delay, cancellation and interruption protection, car rental insurance, and lost baggage protection.
  • Citi Entertainment®: Access tickets to thousands of events, including presales and exclusive experiences.
  • Dedicated Concierge: Get expert help with travel, shopping, dining, household, and entertainment needs.
  • Other Benefits: Include Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.
  • Regular APR: 20.49% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
This card is ideal if you frequently fly with American Airlines and want lounge access, travel perks, and a generous welcome bonus. It also offers high earning rates on hotels and car rentals, priority airport services, and valuable travel protections.

Strata Premier® Card

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On Citi's Secure Website

Strata Premier® Card
4.2

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x points per $1 spent on hotels, car rentals, and attractions when booked through the Citi Travel℠ portal. Earn 3x points per $1 spent at restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotel purchases. Earn 1x point on all other purchases.

1x - 10x Points

Welcome Offer Limited-time offer: Earn 75,000 bonus points after spending $4,000 within the first three months of account opening. Redeem them for travel rewards or $750 in gift cards at thankyou.com.

75,000 Points

  • Limited-time offer: Earn 75,000 bonus points after spending $4,000 on purchases within the first three months of account opening. Redeem them for travel rewards or $750 in gift cards at thankyou.com.
  • 10x Points: On hotels, car rentals, and attractions when booked through the Citi Travel℠ portal.
  • 3x Points: At restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotel purchases.
  • 1x Points: On all other purchases.
  • Annual Fee: $95.
  • Foreign Transaction Fees: None.
  • Redeem ThankYou® Points: For travel, gift cards, and more at thankyou.com. Shop with your ThankYou® Points at BestBuy.com and Amazon.com. You can transfer your points to your favorite airline loyalty program like TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer. ThankYou® Points don’t expire, and there’s no limit on the number of points you can earn with this card.
  • Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through CitiTravel.com, once per calendar year.
  • Authorized User: Add an authorized user to your account at no additional cost and earn points faster.
  • Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
  • Travel Benefits: Include Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Lost or Damaged Luggage Reimbursement, and MasterRental Coverage (car rental insurance).
  • Additional Features: Include contactless pay, Digital Wallets, and free access to view your FICO Score.
  • Regular APR: 20.49% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
This travel rewards card offers 10x ThankYou® points on hotel bookings, car rentals, and attractions when booked through the Citi Travel℠ portal. It also provides 3x ThankYou® points on other travel, restaurants, supermarkets, and gas stations. This card could be a great option if you're looking for a travel card that is also beneficial for everyday purchases.

IHG One Rewards Premier Business

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On Chase's Secure Website

IHG One Rewards Premier Business
4.5

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 26x total points at IHG® Hotels and Resorts: 10X with this card, plus up to 10x for being an IHG One Rewards member, and up to 6x for Platinum Elite Status, a benefit of this card. Earn 5x points on travel, dining, select business purchases, and gas. Earn 3x points on all other purchases.

3x - 10x Points

Welcome Offer 140,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's up to 4 nights at over 5,100 IHG Hotels & Resorts properties worldwide.

140,000 Points

  • Welcome Offer: Earn 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s up to 4 nights at IHG Hotels & Resorts.
  • Earn up to 26x total points at IHG® Hotels and Resorts: 10X with this card, plus up to 10x for being an IHG One Rewards member, and up to 6x for Platinum Elite Status, a benefit of this card.
  • Earn 5x points on travel, dining, select business purchases, and gas.
  • Earn 3x points on all other purchases.
  • Complimentary Free Night Award (valued up to 40,000 points) every year on your account anniversary.
  • Redeem 3 nights, get 4th night free: Enjoy a reward night when you redeem points for a consecutive four-night stay at an IHG® hotel. You will receive the fourth night free, redeemable at the same hotel during that stay.
  • Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
  • Automatic Platinum Elite Status for as long as you have the IHG One Rewards Premier Business Credit Card.
  • Save 20% when you purchase points with your IHG One Rewards Premier Business card.
  • No foreign transaction fee.
  • Redeem your rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Receive a credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS when charged to your card.
  • Earn an additional free night (up to 40,000 points) after spending $60,000 on your IHG One Rewards Credit Card each calendar year.
  • Get up to $50 in United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Travel benefits include Trip Cancellation and Trip Interruption Insurance.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the terms and conditions.
The IHG One Rewards Premier Business card offers a generous welcome bonus, complimentary Platinum Elite Status, and enhanced rewards on IHG® Hotels and Resorts, travel, dining, select business purchase, and gas, with 3x points on all other purchases. It provides competitive purchase and travel benefits, making it an excellent option for frequent IHG® travelers.

IHG One Rewards Premier

Apply now

On Chase's Secure Website

IHG One Rewards Premier
4.7

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5x points on travel, dining, and gas. Earn 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. That's up to 4 nights at IHG Hotels & Resorts.

140,000 Points

  • Welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. That’s up to 4 nights at IHG Hotels & Resorts.
  • Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
  • Earn 5x points on travel, dining, and gas.
  • Earn 3x points on all other purchases.
  • Discount on point purchases: Save 20% when purchasing points with your IHG One Rewards Premier credit card.
  • Annual fee: $99.
  • No foreign transaction fees.
  • Redeem your rewards: Use points for free nights at IHG® Hotels and Resorts, travel, and more. Get the fourth night free when redeeming points for a consecutive four-night stay at the same IHG® hotel. Points do not expire with IHG One Rewards program activity for 12 consecutive months.
  • Anniversary free night: Receive a free night at IHG® Hotels & Resorts (up to 40,000 points value) on each account anniversary.
  • $100 statement credit & 10,000 bonus points: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
  • Global Entry, TSA PreCheck® or NEXUS statement credit: Receive up to $100 statement credit every four years for Global Entry, TSA PreCheck®, or NEXUS application fee when charged to your card.
  • Up to $50 United® Airlines TravelBank Cash each year: Earn up to $50 in United® TravelBank Cash annually after registering your IHG One Rewards Premier credit card with your MileagePlus® account.
  • Elite status: Enjoy Platinum Elite Status as long as you remain an IHG One Rewards Premier cardmember.
  • Chase offers: Access deals through the Chase Mobile app and at chase.com with no coupons or registration required. Simply select an offer, add it to your card, and use it for purchases.
  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends eligible U.S. manufacturer warranties of three years or less by one additional year.

Partner Benefits

  • DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.

  • Add an authorized user at no cost.
  • Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, and Travel Accident Insurance.
  • Fraud protection: 24/7 fraud monitoring.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The IHG One Rewards Premier card offers a generous welcome bonus, complimentary Platinum Elite Status, and enhanced rewards on IHG® Hotels and Resorts, travel, dining, and gas, with 3x points on all other purchases. It provides competitive purchase and travel benefits, making it an excellent option for frequent IHG® travelers.

Marriott Bonvoy Bountiful

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On Chase's Secure Website

Marriott Bonvoy Bountiful
4.7

Annual fee:
$250

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 18.5x total points at Marriott: Earn 6x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, earn up to 10x points for being a Marriott Bonvoy® member, and up to 2.5x points for Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ cardmember. Earn 4x points for every $1 on the first $15,000 in combined purchases each year at grocery stores and dining. Plus, earn 2x points for every $1 spent on all other purchases.

2x - 6x Points

Welcome Offer Earn 85,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

85,000 Points

  • Welcome offer: Earn 85,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
  • Earn up to 18.5x total points at Marriott: Earn 6x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, earn up to 10x points from Marriott for being a Marriott Bonvoy® member, and up to 2.5x points from Marriott for Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ cardmember.
  • Earn 4x points: For every $1 on the first $15,000 in combined purchases each year at grocery stores and dining.
  • Earn 2x points: For every $1 spent on all other purchases.
  • Additional Marriott Bonvoy® Stay Points: Earn 1,000 bonus points per eligible stay at hotels participating in Marriott Bonvoy®.
  • Annual fee: $250.
  • No foreign transaction fees.
  • Redeem your rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences and more. Points will not expire as long as you make purchases on your credit card every 24 months.
  • Free night award every year: Complimentary free night award (valued up to 50,000 points) after spending $15,000 in purchases each calendar year. Certain hotels have resort fees.
  • Elite Status: Receive automatic Gold Elite status and 15 Elite Night Credits every calendar year.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com. There are no coupons, codes, or vouchers to remember, and no registration is required. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • DoorDash: Complimentary DashPass membership from DoorDash for one year when you activate it with a Chase Marriott Bonvoy® card by December 31, 2024.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
  • Hertz car rental: Rent a car through Marriott’s travel partner, Hertz and earn up to 20,000 points along with special savings when using Marriott Bonvoy® credit card.
  • Add an authorized user at no cost.
  • Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.
  • Additional features: Include 24/7 customer service, digital wallet, zero liability protection, fraud protection, emergency cash advance or a card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip-enhanced security, and contactless checkout.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the terms and conditions.
The Marriott Bonvoy Bountiful™ card offers a generous welcome bonus, complimentary Gold Elite status, and enhanced rewards on Marriott, grocery, and dining purchases. Cardholders can earn up to 18.5 total points at Marriott hotels, 4x points on the first $15,000 spent each year at grocery stores and dining, and 2x points on all other purchases. With no foreign transaction fees, extensive travel and purchase protections, and additional perks like a free night award and access to exclusive offers, this card is an excellent option for frequent Marriott travelers looking to maximize their rewards.

Marriott Bonvoy Boundless®

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Marriott Bonvoy Boundless®
4.8

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember. Earn 3x points for every $1 spent on the first $6,000 in combined purchases each year on groceries, gas, and dining. Earn 2x points for every $1 spent on all other purchases.

2x - 6x Points

Welcome Offer Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 in the first 3 months.

3 Free Night Awards

  • Welcome offer: Earn 3 free nights (each night valued up to 50,000 points) after spending $3,000 in the first 3 months from account opening.
  • Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember.
  • 3x points for every $1 on the first $6,000 in combined purchases each year on groceries, gas, and dining.
  • 2x points for every $1 spent on all other purchases.
  • Annual Fee: $95
  • Foreign Transaction Fees: None.
  • Redeem Rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences, and more. Points will not expire as long as you make purchases on your credit card every 24 months.
  • Annual Free Night Award: Complimentary Free Night Award (valued up to 35,000 points) every year after your account anniversary.
  • Elite Status: Receive automatic Silver Elite Status and 15 Elite Night Credits every calendar year. Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel Benefits: Include Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, and Travel and Emergency Assistance Services.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24/7. Find tickets to top sports and entertainment events, make dinner reservations and get help sending the perfect gift.
  • DoorDash: Enjoy complimentary DashPass membership from DoorDash for one year when activated by December 31, 2024.
  • Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings when using your Marriott Bonvoy credit card.
  • Chase Offers: Browse and activate deals on things you love with the Chase Mobile® app or by logging in to chase.com.
  • Add an Authorized User: Expand your earning potential by adding your friends and family as authorized users to your Marriott Bonvoy account.
  • Additional Features: Include digital wallets, fraud protection, 24/7 customer service, emergency cash and card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip for enhanced security, and contactless checkout.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Marriott Bonvoy Boundless® card offers a generous welcome bonus of 3 Free Night Awards, complimentary Silver Elite Status, and enhanced rewards on Marriott stays, groceries, gas, and dining purchases. Additionally, it includes valuable travel benefits, purchase protection, and no foreign transaction fees, making it an excellent option for frequent Marriott travelers.

United Gateway℠

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United Gateway℠
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x MileagePlus miles on United purchases, gas, local transit and commuting, plus 1x mile on all other purchases.

1x - 2x Miles

Welcome Offer Earn 30,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.

30,000 Miles

  • Welcome offer: Earn 30,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.
  • 5,000 Bonus Miles for an Authorized User: Earn 5,000 bonus miles after adding an authorized user to your account within the first three months of account opening.
  • 7x Miles on United Flights: Earn 5x miles as a MileagePlus member and 2x miles with the United Gateway Card.
  • 3x Miles on Hotel Stays Booked Through United Hotels: Earn 2x miles as a MileagePlus member and 1x mile with the United Gateway Card.
  • 2x Miles on All Other United Purchases.
  • 2x Miles at Gas Stations.
  • 2x Miles on Local Transit and Commuting.
  • 1x Mile on All Other Purchases.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 21.24% - 28.24% applies to purchases and balance transfers.
  • Redeem Miles: Use your MileagePlus miles for travel on United or to enhance your travel with upgrades, inflight Wi-Fi, hotel stays, car rentals, and much more. MileagePlus miles do not expire.
  • 25% Back on United Inflight and Club Premium Drink Purchases: Receive 25% back as a statement credit on United inflight and Club premium drink purchases.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel Benefits: Include Auto Rental Collision Damage Waiver and Trip Cancellation and Interruption Insurance.
  • Luxury Hotel & Resort Collection: Receive complimentary Cardmember benefits at luxury hotels and resorts worldwide.
  • DoorDash: Get a one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After the first year, you will be automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • Exclusive Cardmember Events: Use miles or make purchases for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
  • Visa Concierge: Enjoy complimentary Visa Signature® Concierge Service 24/7.
  • Additional Features: Include digital wallets and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
The United Gateway℠ Card is ideal for occasional United Airlines travelers or those seeking a straightforward card with no annual fee. It offers several attractive benefits, including no foreign transaction fees, 2x miles on United purchases, gas stations, local transit, and commuting, a generous sign-up bonus, and 0% intro APR for the first 12 months on purchases. The card also provides valuable perks such as complimentary DoorDash DashPass for a year, 25% back on United inflight and Club premium drink purchases, and various purchase and travel protections. It's a solid choice for those seeking entry-level rewards without a high annual fee or complex requirements.