Travel Credit Card Rewards - Calculate Rewards & Compare

Use our travel credit card rewards calculators to find out which credit cards earn you the most points and best return based on spend, benefits, and fees.

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

This page details the best travel credit card rewards and features a calculator to help you estimate which rewards cards can earn you the best return based on spend.

Each listed travel rewards credit card also has it's own rewards calculator that you can use to calculate rewards and compare side by side any other card featured on the site.

What Are Travel Credit Card Rewards?

Travel credit card rewards are flexible points and miles that can be used to cover general travel expenses such as airfare, hotels, and car rentals.

Redemptions for these type of rewards involve using rewards to wipe away travel purchases made to the travel credit card, booking travel directly through the issuer's travel portal, or transferring rewards directly to airline and hotel partners.

Transferring Rewards To Travel Partners

The travel rewards programs that offer the best value are the ones that allow you to transfer points to partners. The big benefit of this is that it allows you to transfer your points to programs that will benefit you the most at the time of booking travel.

Unlike airline credit card rewards and hotel credit card rewards, you will not be locked into earning rewards with one specific airline or hotel. This provides great flexibility as you'll have multiple options when it comes to ironing out your travel plans.

The drawback to this is that you will not receive the benefits or perks that airline and hotel rewards credit cards offer (there are some exceptions). If you're loyal with a specific airline or hotel, I highly suggest considering co-branded airline or hotel credit cards.

Redeeming Rewards On Travel Portals

If you're not transferring rewards to partners, the best value for travel credit card rewards will typically come from booking directly through the card issuer's travel portal. Travel portals can be great as they're a one-stop-shop for airline tickets, hotel bookings, car rentals, cruise line tickets, and much more.

If you can't find good value transferring rewards or the your rewards cannot be transferred to the program you need to book travel for, using a travel portal is a solid option.

The only big drawback to booking through card issuer portals is if you're loyal to a hotel rewards program and you're going for elite status with that hotel chain.

Hotels will not give you credit for your stay nor will they give you points for non-direct bookings. They also may not honor your status if you do have elite status.

If you're not loyal to any hotel chain or don't care about elite status, then this is nothing to worry about.

transfer amex points
Several programs allow you to transfer your rewards directly to partners.

American Express Membership Rewards Points

The best value for Membership Rewards Points can be obtained when transferring points to AMEX's airline and hotel partners. You can also get the standard value of 1 cent per point when redeemed towards airfare through the American Express Travel Portal.

Membership Rewards credit cards offer high bonus multipliers which can help you build rewards fast. These cards also provide great benefits when traveling which includes airport lounge access and lots of annual credits towards dining, airline incidentals, and airport services.

American Express Membership Rewards Points
Ways To Earn
  • 10 AMEX Membership Rewards Credit Cards
  • Earn shopping online with Rakuten Rewards when you opt for AMEX Points instead of cash back
Average Point Values
Transfer Partners

Best For Lounge Access & Luxury Travel

The Platinum Card® from American Express
The Platinum Card® from American Express
Intro Bonus
A New Platinum Exclusive Offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $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®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $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 available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
0%

Best For Dining Out & 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 Dining Out & Travel

American Express® Green Card
American Express® Green Card
Intro Bonus
View Issuer's Website.
Rewards Rate
3X
Earn 3X at restaurants including takeout or delivery.
3X
Earn 3X on transit including trains, buses, ferries, subway, and more.
3X
Earn 3X on travel including airfare, hotels, cruises, tours, car rentals, and more.
1X
Earn 1X on all other purchases.
Main Card Highlights
  • $100 CLEAR Credit to Help You Breeze Through Security - With CLEAR®, your eyes and fingertips can help you get through security faster at select airports and stadiums nationwide.
  • $100 Credit for Lounge Access - Use the American Express® Green Card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year.
  • No foreign transaction fees
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Gas & Supermarket Spend

American Express Everyday® Preferred Credit Card
American Express Everyday® Preferred Credit Card
Intro Bonus
View Issuer's Website.
Rewards Rate
3X
Earn 3X on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
2X
Earn 2X on gas at U.S. gas stations
1X
Earn 1X on all other purchases.
Main Card Highlights
  • Earn 50% Extra Points - Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
  • 2X Membership Rewards® Points at Amextravel.com - You can get double Membership Rewards® points on every dollar of eligible travel purchases.
  • No foreign transaction fee.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Lounge Access & Luxury Business Travel

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
1X
Earn 1X Membership Rewards® point on all other purchases
Main Card Highlights
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%

Best For High Earnings On Top Business Categories

American Express® Business Gold Card
American Express® Business Gold Card
Intro Bonus
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.
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Flat-Rate Earnings & Miscellaneous Spend

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Chase Ultimate Rewards Points

Chase Ultimate Rewards Points have the best value when transferred to Chase's airline and hotel partners. You can also redeem your points for 1.25 cents or 1.5 cents (based on which card you have) towards travel purchases made through the Chase Ultimate Rewards travel portal.

With Chase Points having such high value towards travel, you can get some serious returns on your spend using their credit cards. This is why you'll want to find the best combination of cards that fit your spend.

Do note that rewards earned with Chase's cash back credit cards can be used for point transfers and 1.25/1.5 cent portal redemptions if you have at least one Ultimate Rewards credit card.

Chase Ultimate Rewards Points
Ways To Earn
  • 3 Chase Ultimate Rewards Credit Cards
  • 4 Chase Cash Back Credit Cards (must have at least one Ultimate Rewards credit card)
Average Point Values
  • 1 to 2+ Cents - Transferring points to airline & hotel partners
  • 1.5 Cents - Chase Travel redemptions for Chase Sapphire Reserve cardholders
  • 1.25 Cents - Chase Travel redemptions for Chase Sapphire Preferred and Ink Business Preferred cardholders
  • 1 Cent - Cash back, statement credits, gift cards, and most others
  • See Redemption Options & Calculate Point Value
Transfer Partners

Best Overall Value For Most Travelers

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 spent on all other purchases
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%

Best For Flexible Travel Rewards

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
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
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®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • 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 Business Card For Travel Rewards

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Intro Bonus
Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For High 5x Earnings On Rotating Categories

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1%
Earn 1% on all other purchases.
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Bonus Rewards & Flat-Rate Earnings

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Office Supply Store & Utilities

Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Flat-Rate Earnings On Business Spend

Chase Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Citi ThankYou Rewards Points

Citi ThankYou Rewards Points offer the best value when transferring points to Citi's airline partners. You can also get the standard value of 1 cent when redeeming points towards travel in the Citi ThankYou Travel Center.

Do note that you can only transfer ThankYou Points to Citi's full list of airline partners if you have the Citi Prestige or Citi Premier Card, otherwise you'll only be able to transfer your points to JetBlue Airways.

Another thing to note is that cash back earned with Citi's cash back credit cards can be converted into ThankYou Rewards Points at a 1 cent for 1 point ratio. That makes Citi's cash back credit cards essential if you're looking to maximize your rewards in the program.

Citi ThankYou Rewards Points
Ways To Earn
  • 5 Citi ThankYou Rewards Credit Cards
  • 2 Citi Cash Back Credit Cards (cash back can be converted to ThankYou Points)
Average Point Values
  • 1 to 2+ Cents - Transferring points to Citi's airline partners
  • 1 Cent - Citi ThankYou Travel Center
Transfer Partners

Best For Saving On Hotel Bookings

Citi Prestige® Card
Citi Prestige® Card
N/A
Card is not available to new applicants.
Rewards Rate
5X
Earn 5X points on restaurant and air travel purchases.
3X
Earn 3X points on hotel and cruise line purchases
1X
Earn 1X points on all other purchases
Main Card Highlights
  • Travel More with ThankYou® Points - Points are redeemable for flights on any airline when booked through the ThankYou Travel Center.
  • Complimentary 4th Night Hotel Stay - Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com (based on your average night stay, exclusive of taxes and fees). This benefit can be used up to two times per calendar year.
  • Get a Global Entry or TSA PreCheck® Application Fee Credit on your statement up to $100
  • Up to $250 Travel Credit Every Calendar Year
  • Points Transfer - Easy points transfer to certain airline loyalty programs, including TrueBlue®, Virgin Atlantic Flying Club and Singapore Airlines Krisflyer.
  • VIP Lounge Access - Enjoy complimentary access to hundreds of VIP lounges through Priority Pass™ Select.
Annual Fee
$495
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Overall High-Earnings & Great Value

Citi Premier® Card
Citi Premier Card
Intro Bonus
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases 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 Flat-Rate Earnings & Miscellaneous Spend

Citi® Double Cash Card
Citi Double Cash Card
Intro Bonus
No current intro bonus
Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For High 5X Earning On A Select Category

Citi Custom Cashâ„  Card
Citi Custom Cashâ„  Card
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Main Card Highlights
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cashâ„  Card account per person.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Capital One Venture Miles & Spark Miles

Capital One Venture & Spark Rewards will have the best value when redeemed directly with Capital One towards travel or when transferred to their airline and hotel partners.

All of Capital One's travel credit cards earn rewards at a flat rate per dollar spent, so there's no worrying about bonus categories or building the best combination of cards to meet your spend habits.

It's one of the best programs if you're looking for a one-size fits all credit card for earning rewards redeemable towards just about any kind of travel.

Capital One Venture Miles & Spark Miles
Ways To Earn
  • 2 Venture Miles Rewards credit cards
  • 2 Spark Miles Rewards credit cards
Average Point Values
  • 1 to 2+ Cents - Transferring points to airline & hotel partners
  • 1 Cent - Travel purchases made to the card or travel redemptions made through Capital One Travel Portal.
Transfer Partners

Best For Flat-Rate Travel Rewards

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
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 For No Annual Fee

Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Intro Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Rewards Rates
1.25X
Earn an unlimited 1.25X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X 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.
  • Use your miles to fly any airline, stay at any hotel, anytime.
  • Transfer your miles to over 15+ travel loyalty programs
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Travel Rewards On Business Spend

Capital One Spark Miles for Business
Capital One Spark Miles for Business
Intro Bonus
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Rewards Rates
2X
Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
Main Card Highlights
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2X miles on all purchases
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Bank of America Travel Rewards Points

Bank of America Travel Rewards Points will have the best value when redeemed towards travel. This will give you a standard value of 1 cent per point.

What sets this program apart from others is the Preferred Rewards Client program which allow you to earn up to a 75% point bonus based on your relationship with Bank of America or the investments you have with them and their partners.

If you have $25K to $100K to sit in an account, their travel rewards credit cards and cash back credit cards will offer some of the highest returns in the market.

Bank of America Travel Rewards Points
Ways To Earn
  • 3 Bank of America Travel Rewards credit cards
Average Point Values
  • 1 Cent - Redeem points for statement credits towards travel or dining purchases
Transfer Partners None

Best For Travel & Sign-Up Bonus

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%

Best For Earning Flat-Rate Travel Rewards

Bank of America® Travel Rewards credit card
Bank of America Travel Rewards credit card
Intro Bonus
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
Rewards Rate
1.5X
Earn an unlimited 1.5 points per $1 spent on all purchases.
Main Card Highlights
  • 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% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 13.99% - 23.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Flat-Rate Earnings On Business Spend

Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
3X
Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.
1.5X
Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
Main Card Highlights
  • Enjoy no annual fee and no international transaction fees while earning points
  • 0% on purchases for 9 billing cycles from account opening
  • Redeem points for a statement credit to offset travel and dining-related purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
  • Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Travel Credit Card Rewards Points Calculator

Use the Travel Credit Card Rewards Points Calculator to get an idea of which credit cards will offer 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'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

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.
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Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.

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