Travel Credit Card Rewards Calculators

Calculate travel credit card rewards based on spend and compare results side by side to find the best travel credit card for you.

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.

So 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.

If you're more of a cash back or gift card person, you'll want to consider cash back rewards.

Best Travel Rewards Credit Cards

All of the top travel rewards programs offer at least one credit card that stands out from the rest. 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.

You can check out our Points & Miles Transfer Calculator to get the details on programs that allow you to transfer rewards.

American Express Membership Rewards Credit Cards

The American Express Membership Rewards program is one of the most popular programs in the world and is available in many countries. The program is most known for the iconic Platinum Card.

Points earned in the program have the best value when redeemed for airfare through American Express Travel. You can also transfer AMEX Points to several airline and hotel programs including Delta Airlines, Marriott Bonvoy, and Hilton Honors.

Another big plus to the program is that U.S. cardmembers can earn Membership Rewards Points shopping online with Rakuten Rewards. This allows you to earn 1X to 10X or more points per $1 shopping online in addition to what you would already earn using your Membership Rewards credit card. You can sign up for free and earn some bonus rewards.

Best For Restaurants & Big Supermarket Spenders

American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%
Best For Lounge Access & Luxury Travel
Best Flat-Rate Rewards Card For Small Businesses
Best For Lounge Access & Luxury Business Travel
Calculate the cash value of AMEX Points and get the list of redemptions.

Chase Ultimate Rewards Credit Cards

If you're looking for the most flexible and rewarding program as well as one of the easiest to understand if you're new to earning reawrds, Chase Ultimate Rewards is at the top of the list.

Points earned in the Ultimate Rewards Program can be redeemed for 1.25 or 1.5 cents each through the Chase Ultimate Rewards Travel Portal depending on which card(s) you have.

In addition to that, you can also transfer points to Chase's airline and hotel partners for a shot at even more value. Partners includes United Airlines, Southwest Airlines, IHG and Hyatt.

Another big plus to the program is that you can redeem points for cash back at a value of 1 cent each which is fantastic since other travel rewards programs would typically give you significantly lower value for non-travel redemptions.

Best Well-Rounded Rewards Card

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • 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 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • 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.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best Overall Travel Card For High Value
Best For Travel & Business Purchases
Calculate which combinations of Chase credit cards earns you the highest return.
Calculate the cash value of Ultimate Rewards Points.

Capital One Venture & Spark Rewards Credit Cards

Capital One is most known for offering simple and easy to understand rewards programs that can be very rewarding.

The Venture Rewards (personal) and Spark Rewards (business) programs both offer two credit cards each with all cards earning miles at a flat-rate per $1 spent. That makes these cards great if you don't want to worry about bonus categories or building a combination of credit cards that fits your spending.

Venture Miles and Spark Miles can be redeemed for a value of 1 cent each towards travel purchases either through Capital One or against travel purchases made to your credit card. You can also transfer miles to Capital One's airline and hotel partners which includes JetBlue, Choice Hotels, and Wyndham Hotels.

One of the best things about Capital One is that all of their rewards cards (cash back cards included) have no foreign transaction fees. This makes them one of the best card issuers if you're looking to earn rewards spending worldwide.

Best For Flexible Travel Rewards

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Intro Bonus
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best No-Annual Fee Card For Flexible Rewards
Best Flat-Rate Rewards Card For Transferring Rewards
Best For Transferring Rewards At No Annual Fee
Calculate the cash value of Venture and Spark Miles.

Citi ThankYou Rewards Credit Cards

Citi ThankYou Rewards is a great program if you're looking to earn a great amount of points across popular, everyday categories.

Points earned with the card can be redeemed for the best value when used towards travel. You can also transfer ThankYou Points to Citi's airline partners which consist of JetBlue Airways, Emirates, and Singapore Airways.

If you plan on maximizing your rewards in the ThankYou Rewards Program, you'll want to also consider Citi's cash back credit cards. Cash back earned with Citi can be converted to ThankYou Points at a 1 cent for 1 point ratio which makes cards like the Citi Double Cash and Citi Custom Cash Card essential for getting the most out of the program.

Best Overall For Travel Rewards

Citi Premier® Card
Citi Premier Card
Intro Bonus
FOR A LIMITED TIME, earn 80,000 Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening.
Rewards Rate
3X
Earn 3X points per $1 spent at Restaurants and Supermarkets
3X
Earn 3X points per $1 spent at Gas Stations, Air Travel, and Hotels
1X
Earn 1X points per $1 spent on all other purchases
Main Card Highlights
  • Annual $100 Hotel Savings Benefit
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best For General Rewards At No Annual Fee
Best For 5% On Select Category
Best No-Annual Fee 2% Back Card

Bank of America Travel & Premium Rewards Credit Cards

What sets Bank of America apart from other banks is that you can earn up to a 75% bonus based on how much you have invested with them and their partners based on a 3-month average in combined balances. You'll earn a 25% bonus for $20k to <$50K in combined balances, a 50% bonus for $50K to <$100K, and a 75% bonus for $100K+.

These bonuses apply to all Bank of America Travel and Premium Rewards credit cards, cash back credit cards, and other select cards. This means that Bank of America credit cards that normally earn 2X points could earn up to 3.5X points and their cash back cards that normally earn 3% back could earn up to 5.25% back.

If you have money to invest or sit in an account, Bank of America credit cards can easily beat out the returns offered by top rewards cards in the market.

Best Flexible Travel Card For Those With Large Savings/Investments

Bank of America® Premium Rewards® credit card
Bank of America Premium Rewards credit card
Intro Bonus
Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
Rewards Rate
2X
Earn an unlimited 2X points per $1 spent on travel and dining purchases
2X
Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
1.5X
Earn an unlimited 1.5X points per $1 spent on all other purchases
Main Card Highlights
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • Get up to $100 in Airline Incidental Credits annually and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center
  • No limit to the points you can earn and your points don't expire
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

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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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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