Travel Credit Card Rewards

Travel Points Calculators
Calculate travel credit card rewards based on spend and compare results side by side to find the best travel credit card for you. Also includes calculators for calculating the cash value of travel rewards points and the transfer of rewards to partners.

Travel credit card rewards are best if you're looking to earn rewards that can be redeemed to cover general travel expenses. This can include airfare, hotels, car rentals, cruises and more.

The most popular travel rewards programs are the ones that allow you to transfer your earned points to airline, hotel, and other loyalty programs. This gives you the chance to get significantly more value out of your rewards and it provides excellent flexibility as you'll have many options when it comes to redemptions.

The drawback to travel rewards credit cards is that points earned with these cards are typically best used for travel. This means redemptions such as cash back, gift cards, and statement credits towards non-travel purchases will give you low value.

If you're planning on using your rewards primarily for travel, you'll want to consider a travel rewards credit card. You'll possibilty want to pair it with a hotel rewards card or airline rewards card if you're loyal to a specific airline or hotel chain.

There's only a handful of travel rewards cards to choose from in the UK with American Express Membership Rewards and HSBC Premier Rewards being the best flexible travel options.

Best Travel Rewards Credit Cards

Listed below are the best of the best when it comes to earning travel rewards points at an excellent rate.

If you're loyal to a specific frequent flyer program or hotel chain, be sure to consider the transfer partners each travel rewards program has (if applicable). Being able to top off your miles or points with your favorite programs can be very benefical.

Best For Lounge Access & Luxury Travel
Best For International Spending

American Express Membership Rewards Credit Cards

The American Express Membership Rewards program is one of the most popular programs in the world. They offer a total of six credit cards in the UK and is one of the best programs for earning flexible travel rewards as well as elite travel perks.

Points earned with the card can be redeemed for great value towards travel as well as be transferred to a handful of airline and hotel rewards programs.

Best For Flexible Travel Rewards

American Express® Preferred Rewards Gold Credit Card
American Express® Preferred Rewards Gold Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
3X
Earn 3X points for every ÂŁ1 spent at American Express Travel.
2X
Earn 2x points for every ÂŁ1 spent directly with airlines or in a foreign currency.
1X
Earn 1X points for every ÂŁ1 spent on all other purchases.
Main Card Highlights
  • Deliveroo Benefit Exclusively For Gold Cardmembers - Enrol to enjoy all your favourite dishes Deliveroo’d to your door, and get ÂŁ5 back. Twice every month.
  • Take advantage of two complimentary Priority Pass lounge visits per year at over 1200 airport lounges globally.
  • Earn an additional 10,000 Membership Rewards points each year when you spend at least ÂŁ15,000 within the 12-month period of your Card anniversary.
  • Transfer your Membership Rewards® points to 12 airline partners' loyalty programmes including British Airways Executive Club, Emirates Skywards, and Virgin Atlantic Flying Club.
  • Use your Membership Rewards® points to make eligible purchases at merchants such as Amazon.co.uk and Ticketmaster.
  • Purchase Protection and Refund Protection covers eligible items purchased using the Card.
Annual Fee
ÂŁ140 (ÂŁ0 in your first year)
Supplementary Cards
ÂŁ0 for first card, then ÂŁ45 for each additional card
Non-Sterling Transaction Fee
2.99%
Best For Lounge Access & Luxury Travel
Best For Lounge Access & Luxury Business Travel

HSBC UK Rewards Credit Cards

HSBC offers three credit cards and is a solid option if you're looking to earn flexible rewards spending in foreign currency (non-Sterling). Points earned with the cards can be redeemed for rewards, retail vouchers, and charity as well as be transferred to a small handful of frequent flyer programs which includes British Airways.

Best For International Travel

HSBC Premier World Elite™ Mastercard®
HSBC Premier World Elite™ Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
4X
For every £1 of eligible spend on your credit card you’ll earn 2 HSBC Premier Reward points if it’s in non-Sterling currency
2X
For every £1 of eligible spend on your credit card you’ll earn 2 HSBC Premier Reward points if it’s in Sterling currency
Main Card Highlights
  • This card is available exclusively for existing HSBC Premier customers and HSBC Jade customers.
  • Every 2 points are worth the equivalent of 1 frequent flyer mile. A spend of just ÂŁ9,000 for example converted into Frequent Flyer miles could be enough to fly to Paris.
  • With membership in the LoungeKey programme, just show your Premier Credit Card to gain access to over 750 airport lounges worldwide. Please note, lounges charge ÂŁ20 per person per visit, subject to availability.
  • Get a unique collection of special discounts and experiences exclusively for HSBC Premier credit card customers.
  • Access thousands of experiences at over 45 destinations worldwide with Mastercard® Priceless® Cities.
Annual Fee
ÂŁ195
Supplementary Cards
ÂŁ60
Non-Sterling Transaction Fee
2.99%
Best For No Annual Fee
Calculate the average cash value of HSBC UK Points.

All Travel Credit Card Rewards Calculators

Calculate credit card rewards for travel and bank rewards programs in the UK. You can also calculate the transfer of points between programs as well as the cash value of points based on redemption for several of the listed programs.

Calculate Travel Credit Card Rewards

Calculate which travel rewards credit cards will earn you the most rewards and best return based on your spend.

Results will consist of top-rated travel rewards credit cards from our partners and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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