Best travel Credit cards of 2020: The Ultimate Guide

Best travel Credit cards of 2020: The Ultimate Guide

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Traveling is one of the passions shared by the majority in the world. people travel for the cause of business and to find out new locations. traveling offers people the possibility to discover new cultures, cuisines, and experience new languages. for the reason that traveling is an essential part of the lives of the majority nowadays, many credit card issuers provide cards that include a selection of travel advantages.

If you are a person who travels frequently, you may gain from applying for a travel credit card because it will offer you access to unique gives, promotions, and offers to be able to make traveling an extra profitable experience for you.

How to select the best travel Credit Cards for your travels?

It’s miles a reality that there are too many travel cards to be had these days and so it will become a daunting challenge to select the best travel credit cards.

Right here are some suggestions to help you in making the right choice:

#1 – A great signup bonus

Most cards include exceptional forms of the signup bonus and within the case of travel credit cards, the cardholders are provided with free air miles or a free air ticket once they use their card for the first time after receiving it. You must ensure that the card you choose will provide you with a large signup bonus ideally in form of air miles so you can redeem the same for your travel bookings.

#2 – Extra air miles for your money

Earning air miles is one of the principal reasons behind applying for a travel credit card and so the card which you choose need to apply you with extra air miles for your credit card prices. as an example, whenever you spend a dollar on the card, you need to be able to earn a minimum of 1 air mile. If the credit card can’t provide you with enough air miles for your costs, it will not be very useful to you.

#3 – Airport lounge access

The travel credit cards must additionally provide you with complimentary access to Airport Lounges so that you can travel with luxury and comfort. since most of the top credit cards for traveling provide complimentary lounge access to the clients, it’s going to not be very hard to apply for such a card.

#4 – Travel insurance

Another function that you have to search for when applying for a new travel credit card is free to travel coverage. in case you are provided with travel insurance, you may travel in peace as you may be confident that the insurance coverage will offer you the specified help in case something awful happens while you are on a trip.

#5 – Low annual charge

Even though the card gives you an extensive variety of features, it’ll be futile to choose the card if it comes with a high annual charge. the annual fee charged for the travel card has to be low so that you will not come to be spending plenty of cash to avail the advantages provided with the card.

#6 – Wide acceptability

It is going without saying that travel credit cards must be extensively accepted so you will not have any trouble using them when you are on a holiday or a business trip. The acceptability of the card must not be restricted to only a handful of merchants.

#7 – Rewards

Rewards are another important thing to look for. The best travel credit card will give you rewards that you can redeem for airline travel, gas station fill-ups, rental cars, and nights spent at a hotel. Some reward programs even offer elaborate or inclusive travel packages as a reward. Try to find a card that will reward you for every dollar that you spend. Having a good travel reward card can make your trip much more affordable.

The rewards that your card offers are a great way to find the best travel credit card, but it is also important to find out what you are a reward for. You need to find a card that will rewards purchases during your trip. You can find cards that will give you points for every mile you travel by plane, for every dollar you spend on gas, or for every night you spend at a hotel. You need to know how you earn points on your card so you can benefit from its rewards.

#8 – Good security program

Many people prey on tourists and it is possible that your card could be stolen when you are traveling. You need to have a card that has a good security program. Most credit card companies will let you dispute unauthorized charges. You can find some cards that can give you zero liability if your card is stolen. This means that if your card is stolen, you do not have to pay for any of the charges.

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How Do the Reward Travel Credit Cards Work?

You must have heard about reward travel points and benefits either on a TV commercial or, if you are a frequent traveler yourself, from your travel agent or airline personal.

Reward Travel Credit Cards

Reward travel is like an incentive or, better said, a reward given to you by the airline because you gave them your business and choose their airline to fly to the destination of your choice. Many airlines will issue a frequent flyer a card, which looks very similar to a credit card and through which you can add points each time you fly with that airline or the one, they are partners with.

Travel credit cards points

Travel points are usually calculated by the number of miles you covered in one flight and are added to your account accordingly. Another way to gather reward travel points is through your credit card, as sometimes the same incentives are applied by your bank or Credit Card Company as well.

What Can You Get from Your Accumulated Reward Travel Points?

Once you have accumulated a considerable number of points, you can use them to either purchase duty-free items, hotel reservations, car rentals, and so on; the list is endless, especially if the reward travel points are accredited to you by your bank and not the airline, as they usually have many more partners affiliated in this program at any one time.

With the accumulated points on an airline frequent flyer card, you can usually get flight upgrades, which are a blessing if you have a long flight and are looking forward to relaxing and maybe get a little sleep as well; also, you may be allowed heavier bags than normal without having to pay for the extra weight.

Airlines offer a free flight for their frequent flyers with an upgraded membership with them; it does not happen often but it does happen and when it does it could very well be you if you start collecting the reward travel points from today.

You can accumulate reward travel points if you travel for business or pleasure and, thus, have the opportunity to shop, stay in a hotel or even fly for free from time to time, depending on the number of points you gathered and/or the available programs from the airline.

Best credit cards 2020: Top Picks

When we think of travel credit cards, we often think of cards that feature airline miles as rewards. There are other forms of travel rewards programs, however, including cards that offer discounts for students, international travels, and even credit cards with no annual fee.

Knowing this makes it rather easy to identify what our needs are specifically and then conducting our search according to those needs. Travel rewards programs are rather popular and there is no shortage of cards that offer them so finding a good deal to fit your specific travel needs should not be too difficult.

o Best travel credit cards with no annual fee

If you are in the market for credit cards with no annual fee then you probably have come to realize that there are fewer and fewer of them available. Fees are becoming more common with banks and financial institutions as they actively attempt to make up for lost profits.

Here is a list of the 4 best travel credit cards with no annual fee based on our research and our personal experience:

#1 – Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card
  • $0 Annual Fee
  • 20k bonus points when you spend $1,000 in purchases in the first 3 months
  • No limit to points you can earn
  • No Foreign Transaction Fees

#2 – Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card
  • $0 Annual Fee
  • No Foreign Transaction Fees
  • 20k bonus miles when you spend $1,000 on purchases in the first 3 months.
  • The intro APR is 0% for 12 months, then 15.49% – 25.49% variable APR after that
  • Travel Accident Insurance
  • Emergency Card Replacement

#3 – Discover it® Miles

Discover it® Miles
  • $0 Annual Fee
  • 1.5x Miles for every dollar spent
  • Unlimited Bonus. At the end of your first year, get an unlimited match of all the Miles you’ve earned, automatically
  • Your Miles never expire.
  • No blackout dates

#4 – Uber Credit Card

Uber Credit Card
  • $0 Annual Fee
  • 5% cash back on Uber purchases
  • Easy to qualify for welcome bonus
  • No foreign transaction fee
  • $100 after spending $500 on purchases in the first 3 months
  • 3% back in Uber Cash on restaurants, bars, hotels, and airfare
  • 1% back in Uber Cash on all other purchases

o Travel credit cards for students

Many companies offer several student credit cards with various types of benefits and incentives. If you are a student at any college or university, you can take the advantage of it.

You will get cashback offers with every purchase you make with the student credit card and even while paying your college fees and buying books.

#1 – Bank of America® Travel Rewards for Students

Bank of America® Travel Rewards for Students
  • No annual fee
  • 25k online bonus points if you make $1,000 in purchases in the first 3 months
  • 3% Balance Transfer Fee
  • Standard APR 14.99% – 22.99%
  • 0% for 12 billing cycles
  • Earn unlimited 1.5 points for every $1 you spend

#2 – Discover it® Student chrome

Discover it® Student chrome
  • No annual fee
  • Earn 2% cash back at gas stations and restaurants
  • 99% nationwide acceptance
  • unlimited 1% cash back on all other purchases like books, groceries and college staples 
  • 0% Intro APR

#3 – Deserve Pro Mastercard®

Deserve Pro Mastercard®
  • 3% cashback on Travel and Entertainment
  • Credit limits up to $10,000.
  • Helps students and professionals build credit history and gain financial independence
  • No SSN required for International students
  • Collision Damage Waiver
  • No International Transaction Fees
  • No Annual Fee
  • 15.99% to 22.99% variable APR

#4 – Discover it® Student Cash Back

Discover it® Student Cash Back
  • 5% cashback on everyday purchases during the school year
  • No Annual Fee
  • 0% Intro APR for 6 months on purchases Then 12.99% – 21.99% Standard Variable Purchase APR will apply.

#5 – Journey Student Rewards from Capital One

Journey Student Rewards from Capital One
  • No Annual Fee
  • $60 Streaming Subscription Credit
  • 26.99% variable APR
  • 1% cash back on all your purchases
  • No Foreign Transaction Fees
  • 24/7 assistant
  • $0 Fraud Liability

#6 – Deserve Edu Mastercard®

Deserve Edu Mastercard®
  • 1% cashback on all purchases
  • No International Transaction Fees
  • No Annual Fee
  • 18.74% variable APR
  • Cellphone Protection up to $600

o Best credit cards for international travel

Many companies have developed cards available for international travel only. These cards are often given a pre-determined limit and are not flagged by the bank, because they already know of your travel needs.

When planning a vacation, money is the one thing that you cannot go without. Having a backup plan by calling your bank, carrying extra cash, or having someone with quick access to deliver cash is the best strategy for international travel.

#1 – Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
  • 60k bonus points after you spend $4,000 on purchases in the first 3 months
  • 2X points on dining and travel
  • 2X points on grocery store purchases
  • 25% more redemption value
  • No International Transaction Fees
  • 24/7 assistant
  • 15.99%–22.99% variable APR
  • Annual Fee: $95

#2 – Chase Sapphire Reserve®

Chase Sapphire Reserve®
  • 50k bonus points after you spend $4,000 on purchases in the first 3 months
  • $300 Annual Travel Credit
  • 3X Points on dining and travel worldwide
  • 50% more redemption value
  • No foreign transaction fees
  • 16.99%–23.99% variable APR
  • Annual Fee: $550 annual fee, $75 for each authorized user

#3 – The Platinum Card® from American Express

The Platinum Card® from American Express
  • Annual Fee: $550
  • 15.99% to 22.99% variable APR
  • 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel
  • 5X Points on Prepaid Hotels
  • 1X Points on All Other Eligible Purchases

#4 – British Airways Visa Signature® Card

British Airways Visa Signature® Card
  • 50k Bonus Avios after you spend $3,000 on purchases within the first 3 months
  • Earn up to 3 Avios per $1
  • 10% Off Exclusive Offer
  • Up to $600 Reward Flight Statement Credits
  • No foreign transaction fees
  • 15.99%–22.99% variable APR
  • Annual fee: $95

#5 – Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card
  • 15.74% to 24.74% variable APR
  • Earn 6 Marriott Bonvoy Points
  • $300 Marriott Bonvoy Statement Credit
  • Free Night Award
  • Annual Fee: $ 450

o Best airline credit card

Airline miles credit cards can come in several different forms. The first being an all-purpose card that allows cardholders to earn airline points every time they use their card. An example of this is Miles by Discover card. Cardholders are rewarded for the purchases they make and can redeem those rewards according to the terms and conditions of the offer.

#1 – Delta SkyMiles® Gold

Delta SkyMiles® Gold
  • 15.74% to 24.74% variable APR
  • 2X Miles at Restaurants and U.S. Supermarkets
  • First Checked Bag Free
  • $100 Delta Flight Credit
  • 2X Miles on Delta Purchases
  • $0 intro annual fee for the first year, then $99

#2 – Delta SkyMiles® Platinum

Delta SkyMiles® Platinum
  • 15.74% to 24.74% variable APR
  • 3X Miles on Delta Purchases
  • 2X Miles at Restaurants and U.S. Supermarkets
  • First Checked Bag Free
  • Annual Companion Certificate
  • Fee Credit for Global Entry or TSA Pre✓
  • Annual Fee: $250

#3 – United Explorer Card

United Explorer Card
  • 60k bonus miles after you spend $3,000 on purchases in the first 3 months
  • 2X miles on United Airlines purchases, at restaurants and on hotel stays.
  • $100 as a statement credit for Global Entry or TSA PreCheck
  • Free first checked bag 
  • 16.49%–23.49% variable APR
  • $0 intro annual fee for the first year, then $95

#4 – JetBlue Plus Card

JetBlue Plus Card
  • $99 ANNUAL FEE
  • 40,000 Bonus Points after spending $1,000 on purchases within the first 90 days
  • X2 points at restaurants & grocery stores
  • X6 points on Jetblue purchases
  • X1 on all other purchases
  • free first checked bag

#5 – Southwest Rapid Rewards Performance Business Credit Card

Southwest Rapid Rewards Performance Business Credit Card
  • 70k points after you spend $5,000 on purchases within the first 3 months
  • 3X points on Southwest purchases
  • 9,000 bonus points
  • Four Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • No foreign transaction fees
  • 15.99%–22.99% variable APR
  • Annual Fee: $199 applied to the first billing statement

Best reward travel credit cards

Many credit card products available today are credit cards that reward the user for charging on them. While rewards programs are great for a large number of people, do your homework to make sure they fit your lifestyle and budget. In fact, one of the factors differentiating one card from another is the type of rewards programs.

#1 – Chase Sapphire Preferred® Card

#2 – The Platinum Card® from American Express

#3 – Ink Business Preferred® Credit Card

#4 – Southwest Rapid Rewards® Priority Credit Card

#5 – Chase Sapphire Reserve®

#6 – United Gateway℠ Card

#7 – Marriott Bonvoy Brilliant™ American Express® Card

#8 – Wells Fargo Propel American Express® Card

#9 – American Express® Gold Card

#10 – United Explorer Card

Final Thoughts

Travel credit card is a great replacement for currency in the form of cash. They unload the burden of carrying a heavy amount of cash during traveling, and besides, they also provide convenience and safety to the travelers by making their travel hassle-free.

Travel credit cards are in fact widely appreciated by people today, and with time they are gaining more and more acceptance and recognition. All in all, a travel credit card is a must keep for every traveler around the world to enjoy his/her travel pursuit, which may be business travel or a fun trip to any other country.

FAQ: Best Travel Credit Cards

Q: How does a travel credit card work?

The travel credit cards earn airline miles or hotel points with a specific loyalty program. The card owners can redeem the airline miles for award tickets and different things like gift cards, etc., or put hotel points toward free stays among other options.

Q: Which credit card is best for international travel?

As we mentioned above the best travel credit cards for international travel are:

Chase Sapphire Preferred® Card: Annual Fee: $95
Chase Sapphire Reserve®: Annual Fee: $550
The Platinum Card® from American Express: Annual Fee: $550
British Airways Visa Signature® Card: Annual fee: $95
Marriott Bonvoy Brilliant™ American Express® Card: Annual Fee: $ 450

Q: Which credit card is the most accepted?

Visa and Mastercard are the most accepted cards worldwide, with Discover slightly behind those brands and American Express in a distant fourth place.

Q: How many credit cards should you have?

To prepare, you might want to have at least 3 credit cards: t2 that you carry with you and 1 that you put in a safe place at your home. This way, you must always have at least one card that you can use. Because of possibilities like these, it’s a good idea to have at least 2 or 3 credit cards.

Q: Is it worth getting a travel credit card?

A travel credit card is worth it when it allows you to earn points or miles that you will be able to redeem for your travels, perks you can use to save your time and money as well, and even protections to help when things go wrong on the road.

Q: Are travel miles worth it?

While credit card miles are worth about a penny-per-mile, the value of frequent flyer miles is all over the map it all depends on how you redeem them. Frequent flyer miles are worth more per mile when redeemed for long-haul flights and business or first-class seats

Q: How many miles do you need to get a free flight?

The average amount of miles needed for a free one-way domestic U.S. economy flight is 14,165, while an international coach flight will run you about 36,800 miles.

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