right to travel card

Debunking sovereign citizens, freemen-on-the-land and other pseudo-legal theories.

Is there a right to travel without a driver's license in the united states.

Right to Travel vs. Freedom of Movement

The phrase "right to travel" should be clarified because it's commonly confused.

Many cases, documents, etc. using the phrase "right to travel" are in fact about Freedom of Movement , which is the Constitutional right to travel between States at will. If anyone speaks of a "Constitutional right to travel" Freedom of Movement is the only valid thing they could be referring to, as we'll show.

In pseudo-legal circles, "right to travel" means the supposed right to "travel freely in your private property / automobile / conveyance on the public roads / highways without a driver's license, insurance or registration and exempt from regulation or interruption provided one does not engage in commerce / earn profit or cause harm to people or property."

Absolute freedom! Could it be true? How does the law work?

Tenth Amendment, State Codes

Traffic regulation isn't mentioned in the Constitution, the supreme law of the land , therefore the power generally falls to the States pursuant to the 10th Amendment :

The powers not delegated to the United States by the Constitution, nor prohibited by it to the states, are reserved to the states respectively, or to the people.

States are free to enact whatever traffic regulations they want provided they do not violate federal law, as determined by the federal courts, pursuant to their police power .

All 50+ States, through their legislatures consisting of the people's elected representatives, have seen fit to devise and enact their own traffic codes and police them.

Was it always this way?

There wasn't always legislation displacing the common law. Automobile regulation began in the early 1900's. Here is an excellent paper that thoroughly explores the transitional period when decisions could go either way: The Orphaned Right: The Right to Travel by Automobile, 1890-1950 .

Bicycles were regulated decades before automobiles were invented and activists of the day faced many of the same questions and challenges modern right to travel proponents do. An analysis of that period can be found in this publication: The Impact of the Sport of Bicycle Riding on Safety Law .

Constitutionality

The States have all enacted traffic regulations, but do they violate federal law or the Constitution?

Judging constitutionality is ultimately up to the Supreme Court pursuant to Article 3:

The judicial power of the United States, shall be vested in one Supreme Court, and in such inferior courts as the Congress may from time to time ordain and establish.

Appeals are more-often-than-not declined by the Supreme Court so adjudication may stop at the federal United States Courts of Appeals (circuit courts) or District Courts and those are a good place to look for precedent, too. We prefer citations from these federal courts to avoid presumptions of bias that might arise by the State judging its own regulations and because federal decisions are superior to State decisions pursuant to the Supremacy Clause .

Federal Court Decisions

Let's have a look at some federal cases on the right of States to regulate traffic.

Hendrick v. Maryland 235 US 610 (1915)

The movement of motor vehicles over the highways is attended by constant and serious dangers to the public, and is also abnormally destructive to the ways themselves . . . In the absence of national legislation covering the subject a State may rightfully prescribe uniform regulations necessary for public safety and order in respect to the operation upon its highways of all motor vehicles — those moving in interstate commerce as well as others. And to this end it may require the registration of such vehicles and the licensing of their drivers . . . This is but an exercise of the police power uniformly recognized as belonging to the States and essential to the preservation of the health, safety and comfort of their citizens.

Hess v. Pawloski 274 US 352 (1927)

Motor vehicles are dangerous machines; and, even when skillfully and carefully operated, their use is attended by serious dangers to persons and property. In the public interest the State may make and enforce regulations reasonably calculated to promote care on the part of all, residents and non-residents alike, who use its highways.

Reitz v. Mealey 314 US 33 (1941)

The use of the public highways by motor vehicles, with its consequent dangers, renders the reasonableness and necessity of regulation apparent. The universal practice is to register ownership of automobiles and to license their drivers. Any appropriate means adopted by the states to insure competence and care on the part of its licensees and to protect others using the highway is consonant with due process.

There we have three solid federal Supreme Court decisions that set nationwide precedent that cannot be ignored. The Supreme Court is the final arbiter of law in the United States. Unless "right to travel" proponents can come up with a later Supreme Court ruling that states otherwise, their claims are busted.

And we have one less-impressive but telling quote from a lower federal district court:

Wells v. Malloy 402 F. Supp. 856 (1975)

Although a driver's license is an important property right in this age of the automobile, it does not follow that the right to drive is fundamental in the constitutional sense.

A few of the above cases were found in a somewhat inflammatory and dated but comprehensive publication, Idiot Legal Arguments . We picked out the relevant federal cases, but many more high-level State cases can be found there, too, if you're interested.

There actually isn't a whole lot at the federal level because appeals beyond State courts are often denied as it has long been accepted by the federal government that traffic regulation is a proper exercise of State police power. Federal courts uphold the ability of States to regulate road traffic provided it is done so with equality, reasonableness and for public safety and doesn't violate any federal laws or rights.

But I don't "drive" or use a "motor vehicle"! Those are legal terms used to enslave me and I'm smarter than that!

I'm afraid the State and its courts dictate how things are viewed under its law. You don't get to decide what's considered driving or a motor vehicle, they do. You can't simply switch out a few words to avoid responsibility. If you're in territory controlled by the US and/or a State then its laws may be applied to you and you have no lawful recourse (see Law Basics ).

I've heard of people being ignored or let go by police, even without a license or insurance!

Police have discretion . The world is a very dynamic place. There are any number of reasons why you might be passed by or allowed to proceed at any given time. The cop might be a scared rookie, not care, not want to fight, have a date, have to pee, be on lunch break, be at the end of their shift and going home – think about it – they're human, not machines. The priorities of police and prosecuting attorneys vary. The law is what it is, though, and when you understand it you know in the long run you're looking for trouble if you don't obey it.

I don't like traffic regulations. What can I do?

Your lawful remedy is to convince the majority of people in your State to put pressure on your elected representatives in the State legislature to change the law. That or you could move to another State or country where there are less regulations (and perhaps more fatalities ).

Study hard, verify claims, think for yourself, question this, comment.

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How to get a REAL ID and use it for travel

The REAL ID Act is a law that sets higher security standards for state-issued driver's licenses and identification cards (IDs).

Why upgrade your license to a REAL ID?

Beginning May 7, 2025, if you have not upgraded your driver’s license or state-issued ID to be REAL ID-compliant, you will not be able to use it to:

• Board federally regulated commercial aircraft
• Access federal government facilities or military installations
• Enter nuclear power plants

Visit the REAL ID website for more details and frequently asked questions.

Check to see if your license or state ID is already REAL ID-compliant

If your driver's license or state ID has a star in the upper right-hand corner, it is already REAL-ID-compliant. There is nothing more you need to do.

How to get a REAL ID

When you apply for or renew your driver’s license or state identification card, you can choose to make it REAL ID-compliant. Find and visit your state's driver's licensing agency website to see what documentation you will need. Your new card will have the REAL ID star marking at the top right.

Do you need a REAL ID to fly?

If you do not upgrade your license or state ID, you can use a passport or one of these other acceptable forms of identification to fly . 

Can you still get a non-REAL ID-compliant license or state ID?

You will still be able to get a driver's license or state ID card that is not REAL ID-compliant. But you will not be able to use it for air travel or to get into federal facilities or military installations. Find and visit your state's driver's licensing agency website to see how to get a non-REAL ID-compliant license or state ID.

LAST UPDATED: May 23, 2024

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Ask a real person any government-related question for free. They will get you the answer or let you know where to find it.

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How to Compare Travel Credit Cards

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Meghan Coyle started as a web producer and writer at NerdWallet in 2018. She covers travel rewards, including industry news, airline and hotel loyalty programs, and how to travel on points. She is based in Los Angeles.

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Regardless of whether you’re just starting to look into travel cards or already have a few under your belt, understanding how to compare travel credit cards can quickly get complicated. From cardholder benefits to annual fees, each card is unique.

So how do you know which ones you should get? Let’s take a look at the different aspects of travel cards, some of the best travel credit card perks and how to figure out which ones are right for you.

What to consider when you compare travel credit cards

Your travel credit card selection will ultimately come down to the following four factors: The size of the welcome bonus, the card's benefits and rewards, how you'll earn points and the card's overall cost (or annual fee).

Welcome offers

Banks want your business. In the highly competitive U.S. credit card market, this means they’ll need to stand out in order to attract your attention. One of the ways they do this is by offering welcome bonuses.

Welcome bonuses can vary, but they usually feature a one-time lump sum of bonus points after making enough purchases on your card in a specific amount of time. You can find offers ranging from 15,000 points all the way up to 180,000 points — but not all bonuses are created equal.

You’ll want to consider how you’re going to redeem those points well before you send in your application. Are you a frequent flyer? A co-branded airline card may be a good option for you. Do you prefer a certain hotel chain? You may want to direct your attention toward hotel cards instead. Make sure you can and will use the bonus points on offer before you sign up.

Some card issuers limit how often you can sign up for new credit cards — and even how many times you’re allowed to receive a welcome offer. Research this before applying.

Some of the best travel credit card offers out there are with credit cards that offer flexible point currencies, such as American Express Membership Rewards , Chase Ultimate Rewards® and Citi ThankYou points . The points these cards earn can transfer to a number of partners, such as airlines and hotel chains. These cards thereby give you more flexibility and ultimately help you avoid pigeonholing yourself into earning points or miles that can only be redeemed with a single loyalty program.

» Learn more: The best travel credit card welcome bonuses right now

Benefits and rewards

Another way card issuers try to differentiate themselves is by the perks they offer. You’ll find a different range of benefits based on the type of card you’re getting. No-annual-fee and mid-tier cards (those costing an annual fee of $100 or less) inherently offer fewer perks than their more expensive cousins, premium travel cards. These credit cards may cost hundreds to renew every year.

When comparing travel credit card rewards, consider how many of these benefits you can realistically maximize — let alone use. For example, several different travel credit cards come with TSA PreCheck/Global Entry credits , but you only need one membership every four years. If you already have one card that offers this credit, then target other benefits when applying for another travel rewards card.

The same can be said of cards like The Platinum Card® from American Express . As a top-tier card, you’ll enjoy complimentary elite status with hotel chains like Marriott and Hilton . Enrollment required. However, the card also comes with a $25 monthly Equinox credit that may not fit into your existing lifestyle. Terms apply.

» Learn more: The best travel credit cards right now

Earning bonus points

Once you’ve earned your welcome bonus, the best way to increase your points balance is by putting purchases on the card itself. Each individual card will offer varying amounts of bonus points for different spending categories. Sometimes these are called bonus categories.

You’ll need to decide how diligent you want to be about earning points. Are you fine with switching out cards in order to maximize your bonus points? Or are you content with keeping a select few on hand and leaving some other cards' rewards on the table?

Based on what you decide, you’ll want to compare the earning structure for the travel cards you’ll own. Some, like the Chase Sapphire Reserve® , offer a flat 3x points on a broad category of travel-related expenses. Others, like The Platinum Card® from American Express , will give you an objectively better 5x points on airfare and hotels — but will restrict how you earn based on how you book your travel. You’ll also face an annual cap of $500,000, after which you’ll earn just 1x point per dollar.

Annual fees

Most travel credit cards aren’t free. True, there are some entry-level cards that’ll provide limited benefits and no annual fee, but the best perks are offered on cards that will cost you money.

Active duty military members can have their credit card annual fees waived by major banks such as American Express and Chase.

The question here is: How much are you willing to spend? Some of the most expensive travel credit cards will charge you upwards of $500 per year. In return, you’ll get best-in-class rewards and the ability to maximize bonus points on your spend.

If you’re not looking to lay out a lot of cash, mid-tier cards such as the Chase Sapphire Preferred® Card can offer similar but less extensive rewards with a much cheaper annual fee. Figure out the budget you’re comfortable spending each year and take a look at cards that fit your needs.

» Learn more: Best no annual fee travel credit cards of October 2021

If you’re looking to compare travel credit cards …

Each travel credit card is unique, and the best way to figure out which one is right for you is by comparing them. Decide what’s important to you, whether it’s a large welcome offer, the ability to earn plenty of points or a whole slew of cardholder benefits, and pick out cards that match what you’re willing to pay.

Not all cards are right for every person, but with the range of available travel credit cards on the market today, odds are you’ll find one that suits your lifestyle.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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U.S. Supreme Court Says No License Necessary To Drive Automobile On Public Roads

Posted by Jeffrey Phillips | Jul 21, 2015 |

U.S. SUPREME COURT AND OTHER HIGH COURT CITATIONS PROVING THAT NO LICENSE IS NECESSARY FOR NORMAL USE OF AN AUTOMOBILE ON COMMON WAYS

“The right of a citizen to travel upon the public highways and to transport his property thereon, by horsedrawn carriage, wagon, or automobile, is not a mere privilege which may be permitted or prohibited at will, but a common right which he has under his right to life, liberty and the pursuit of happiness. Under this constitutional guaranty one may, therefore, under normal conditions, travel at his inclination along the public highways or in public places, and while conducting himself in an orderly and decent manner, neither interfering with nor disturbing another’s rights, he will be protected, not only in his person, but in his safe conduct.”

Thompson v.Smith, 154 SE 579, 11 American Jurisprudence, Constitutional Law, section 329, page 1135 “The right of the Citizen to travel upon the public highways and to transport his property thereon, in the ordinary course of life and business, is a common right which he has under the right to enjoy life and liberty, to acquire and possess property, and to pursue happiness and safety. It includes the right, in so doing, to use the ordinary and usual conveyances of the day, and under the existing modes of travel, includes the right to drive a horse drawn carriage or wagon thereon or to operate an automobile thereon, for the usual and ordinary purpose of life and business.” –

Thompson vs. Smith, supra.; Teche Lines vs. Danforth, Miss., 12 S.2d 784 “… the right of the citizen to drive on a public street with freedom from police interference… is a fundamental constitutional right” -White, 97 Cal.App.3d.141, 158 Cal.Rptr. 562, 566-67 (1979) “citizens have a right to drive upon the public streets of the District of Columbia or any other city absent a constitutionally sound reason for limiting their access.”

Caneisha Mills v. D.C. 2009 “The use of the automobile as a necessary adjunct to the earning of a livelihood in modern life requires us in the interest of realism to conclude that the RIGHT to use an automobile on the public highways partakes of the nature of a liberty within the meaning of the Constitutional guarantees. . .”

Berberian v. Lussier (1958) 139 A2d 869, 872, See also: Schecter v. Killingsworth, 380 P.2d 136, 140; 93 Ariz. 273 (1963). “The right to operate a motor vehicle [an automobile] upon the public streets and highways is not a mere privilege. It is a right of liberty, the enjoyment of which is protected by the guarantees of the federal and state constitutions.”

Adams v. City of Pocatello, 416 P.2d 46, 48; 91 Idaho 99 (1966). “A traveler has an equal right to employ an automobile as a means of transportation and to occupy the public highways with other vehicles in common use.”

Campbell v. Walker, 78 Atl. 601, 603, 2 Boyce (Del.) 41. “The owner of an automobile has the same right as the owner of other vehicles to use the highway,* * * A traveler on foot has the same right to the use of the public highways as an automobile or any other vehicle.”

Simeone v. Lindsay, 65 Atl. 778, 779; Hannigan v. Wright, 63 Atl. 234, 236. “The RIGHT of the citizen to DRIVE on the public street with freedom from police interference, unless he is engaged in suspicious conduct associated in some manner with criminality is a FUNDAMENTAL CONSTITUTIONAL RIGHT which must be protected by the courts.” People v. Horton 14 Cal. App. 3rd 667 (1971) “The right to make use of an automobile as a vehicle of travel long the highways of the state, is no longer an open question. The owners thereof have the same rights in the roads and streets as the drivers of horses or those riding a bicycle or traveling in some other vehicle.”

House v. Cramer, 112 N.W. 3; 134 Iowa 374; Farnsworth v. Tampa Electric Co. 57 So. 233, 237, 62 Fla. 166. “The automobile may be used with safety to others users of the highway, and in its proper use upon the highways there is an equal right with the users of other vehicles properly upon the highways. The law recognizes such right of use upon general principles.

Brinkman v Pacholike, 84 N.E. 762, 764, 41 Ind. App. 662, 666. “The law does not denounce motor carriages, as such, on public ways. They have an equal right with other vehicles in common use to occupy the streets and roads. It is improper to say that the driver of the horse has rights in the roads superior to the driver of the automobile. Both have the right to use the easement.”

Indiana Springs Co. v. Brown, 165 Ind. 465, 468. U.S. Supreme Court says No License Necessary To Drive Automobile On Public Highways/Streets No License Is Necessary Copy and Share Freely YHVH.name 2 2 “A highway is a public way open and free to any one who has occasion to pass along it on foot or with any kind of vehicle.” Schlesinger v. City of Atlanta, 129 S.E. 861, 867, 161 Ga. 148, 159;

Holland v. Shackelford, 137 S.E. 2d 298, 304, 220 Ga. 104; Stavola v. Palmer, 73 A.2d 831, 838, 136 Conn. 670 “There can be no question of the right of automobile owners to occupy and use the public streets of cities, or highways in the rural districts.” Liebrecht v. Crandall, 126 N.W. 69, 110 Minn. 454, 456 “The word ‘automobile’ connotes a pleasure vehicle designed for the transportation of persons on highways.”

-American Mutual Liability Ins. Co., vs. Chaput, 60 A.2d 118, 120; 95 NH 200 Motor Vehicle: 18 USC Part 1 Chapter 2 section 31 definitions: “(6) Motor vehicle. – The term “motor vehicle” means every description of carriage or other contrivance propelled or drawn by mechanical power and used for commercial purposes on the highways…” 10) The term “used for commercial purposes” means the carriage of persons or property for any fare, fee, rate, charge or other consideration, or directly or indirectly in connection with any business, or other undertaking intended for profit. “A motor vehicle or automobile for hire is a motor vehicle, other than an automobile stage, used for the transportation of persons for which remuneration is received.”

-International Motor Transit Co. vs. Seattle, 251 P. 120 The term ‘motor vehicle’ is different and broader than the word ‘automobile.’”

-City of Dayton vs. DeBrosse, 23 NE.2d 647, 650; 62 Ohio App. 232 “Thus self-driven vehicles are classified according to the use to which they are put rather than according to the means by which they are propelled” – Ex Parte Hoffert, 148 NW 20 ”

The Supreme Court, in Arthur v. Morgan, 112 U.S. 495, 5 S.Ct. 241, 28 L.Ed. 825, held that carriages were properly classified as household effects, and we see no reason that automobiles should not be similarly disposed of.”

Hillhouse v United States, 152 F. 163, 164 (2nd Cir. 1907). “…a citizen has the right to travel upon the public highways and to transport his property thereon…” State vs. Johnson, 243 P. 1073; Cummins vs. Homes, 155 P. 171; Packard vs. Banton, 44 S.Ct. 256; Hadfield vs. Lundin, 98 Wash 516, Willis vs. Buck, 263 P. l 982;

Barney vs. Board of Railroad Commissioners, 17 P.2d 82 “The use of the highways for the purpose of travel and transportation is not a mere privilege, but a common and fundamental Right of which the public and the individual cannot be rightfully deprived.”

Chicago Motor Coach vs. Chicago, 169 NE 22; Ligare vs. Chicago, 28 NE 934; Boon vs. Clark, 214 SSW 607; 25 Am.Jur. (1st) Highways Sect.163 “the right of the Citizen to travel upon the highway and to transport his property thereon in the ordinary course of life and business… is the usual and ordinary right of the Citizen, a right common to all.” –

Ex Parte Dickey, (Dickey vs. Davis), 85 SE 781 “Every Citizen has an unalienable RIGHT to make use of the public highways of the state; every Citizen has full freedom to travel from place to place in the enjoyment of life and liberty.” People v. Nothaus, 147 Colo. 210. “No State government entity has the power to allow or deny passage on the highways, byways, nor waterways… transporting his vehicles and personal property for either recreation or business, but by being subject only to local regulation i.e., safety, caution, traffic lights, speed limits, etc. Travel is not a privilege requiring licensing, vehicle registration, or forced insurances.”

Chicago Coach Co. v. City of Chicago, 337 Ill. 200, 169 N.E. 22. “Traffic infractions are not a crime.” People v. Battle “Persons faced with an unconstitutional licensing law which purports to require a license as a prerequisite to exercise of right… may ignore the law and engage with impunity in exercise of such right.”

Shuttlesworth v. Birmingham 394 U.S. 147 (1969). U.S. Supreme Court says No License Necessary To Drive Automobile On Public Highways/Streets No License Is Necessary Copy and Share Freely YHVH.name 3 “The word ‘operator’ shall not include any person who solely transports his own property and who transports no persons or property for hire or compensation.”

Statutes at Large California Chapter 412 p.83 “Highways are for the use of the traveling public, and all have the right to use them in a reasonable and proper manner; the use thereof is an inalienable right of every citizen.” Escobedo v. State 35 C2d 870 in 8 Cal Jur 3d p.27 “RIGHT — A legal RIGHT, a constitutional RIGHT means a RIGHT protected by the law, by the constitution, but government does not create the idea of RIGHT or original RIGHTS; it acknowledges them. . . “ Bouvier’s Law Dictionary, 1914, p. 2961. “Those who have the right to do something cannot be licensed for what they already have right to do as such license would be meaningless.”

City of Chicago v Collins 51 NE 907, 910. “A license means leave to do a thing which the licensor could prevent.” Blatz Brewing Co. v. Collins, 160 P.2d 37, 39; 69 Cal. A. 2d 639. “The object of a license is to confer a right or power, which does not exist without it.”

Payne v. Massey (19__) 196 SW 2nd 493, 145 Tex 273. “The court makes it clear that a license relates to qualifications to engage in profession, business, trade or calling; thus, when merely traveling without compensation or profit, outside of business enterprise or adventure with the corporate state, no license is required of the natural individual traveling for personal business, pleasure and transportation.”

Wingfield v. Fielder 2d Ca. 3d 213 (1972). “If [state] officials construe a vague statute unconstitutionally, the citizen may take them at their word, and act on the assumption that the statute is void.” –

Shuttlesworth v. Birmingham 394 U.S. 147 (1969). “With regard particularly to the U.S. Constitution, it is elementary that a Right secured or protected by that document cannot be overthrown or impaired by any state police authority.” Donnolly vs. Union Sewer Pipe Co., 184 US 540; Lafarier vs. Grand Trunk R.R. Co., 24 A. 848; O’Neil vs. Providence Amusement Co., 108 A. 887. “The right to travel (called the right of free ingress to other states, and egress from them) is so fundamental that it appears in the Articles of Confederation, which governed our society before the Constitution.”

(Paul v. Virginia). “[T]he right to travel freely from State to State … is a right broadly assertable against private interference as well as governmental action. Like the right of association, it is a virtually unconditional personal right, guaranteed by the Constitution to us all.” (U.S. Supreme Court,

Shapiro v. Thompson). EDGERTON, Chief Judge: “Iron curtains have no place in a free world. …’Undoubtedly the right of locomotion, the right to remove from one place to another according to inclination, is an attribute of personal liberty, and the right, ordinarily, of free transit from or through the territory of any State is a right secured by the Constitution.’

Williams v. Fears, 179 U.S. 270, 274, 21 S.Ct. 128, 45 L.Ed. 186. “Our nation has thrived on the principle that, outside areas of plainly harmful conduct, every American is left to shape his own life as he thinks best, do what he pleases, go where he pleases.” Id., at 197.

Kent vs. Dulles see Vestal, Freedom of Movement, 41 Iowa L.Rev. 6, 13—14. “The validity of restrictions on the freedom of movement of particular individuals, both substantively and procedurally, is precisely the sort of matter that is the peculiar domain of the courts.” Comment, 61 Yale L.J. at page 187. “a person detained for an investigatory stop can be questioned but is “not obliged to answer, answers may not be compelled, and refusal to answer furnishes no basis for an arrest.”Justice White, Hiibel “Automobiles have the right to use the highways of the State on an equal footing with other vehicles.”

Cumberland Telephone. & Telegraph Co. v Yeiser 141 Kentucy 15. “Each citizen has the absolute right to choose for himself the mode of conveyance he desires, whether it be by wagon or carriage, by horse, motor or electric car, or by bicycle, or astride of a horse, subject to the sole condition that he will observe all those requirements that are known as the law of the road.”

Swift v City of Topeka, 43 U.S. Supreme Court says No License Necessary To Drive Automobile On Public Highways/Streets No License Is Necessary Copy and Share Freely YHVH.name 4 Kansas 671, 674. The Supreme Court said in U.S. v Mersky (1960) 361 U.S. 431: An administrative regulation, of course, is not a “statute.” A traveler on foot has the same right to use of the public highway as an automobile or any other vehicle.

Cecchi v. Lindsay, 75 Atl. 376, 377, 1 Boyce (Del.) 185. Automotive vehicles are lawful means of conveyance and have equal rights upon the streets with horses and carriages.

Chicago Coach Co. v. City of Chicago, 337 Ill. 200, 205; See also: Christy v. Elliot, 216 Ill. 31; Ward v. Meredith, 202 Ill. 66; Shinkle v. McCullough, 116 Ky. 960; Butler v. Cabe, 116 Ark. 26, 28-29. …automobiles are lawful vehicles and have equal rights on the highways with horses and carriages. Daily v. Maxwell, 133 S.W. 351, 354.

Matson v. Dawson, 178 N.W. 2d 588, 591. A farmer has the same right to the use of the highways of the state, whether on foot or in a motor vehicle, as any other citizen.

Draffin v. Massey, 92 S.E.2d 38, 42. Persons may lawfully ride in automobiles, as they may lawfully ride on bicycles. Doherty v. Ayer, 83 N.E. 677, 197 Mass. 241, 246;

Molway v. City of Chicago, 88 N.E. 485, 486, 239 Ill. 486; Smiley v. East St. Louis Ry. Co., 100 N.E. 157, 158. “A soldier’s personal automobile is part of his ‘household goods[.]’

U.S. v Bomar, C.A.5(Tex.), 8 F.3d 226, 235” 19A Words and Phrases – Permanent Edition (West) pocket part 94. “[I]t is a jury question whether … an automobile … is a motor vehicle[.]”

United States v Johnson, 718 F.2d 1317, 1324 (5th Cir. 1983). Other right to use an automobile cases: –

EDWARDS VS. CALIFORNIA, 314 U.S. 160 –

TWINING VS NEW JERSEY, 211 U.S. 78 – WILLIAMS VS. FEARS, 179 U.S. 270, AT 274 – CRANDALL VS. NEVADA, 6 WALL. 35, AT 43-44 – THE PASSENGER CASES, 7 HOWARD 287, AT 492 – U.S. VS. GUEST, 383 U.S. 745, AT 757-758 (1966) –

GRIFFIN VS. BRECKENRIDGE, 403 U.S. 88, AT 105-106 (1971) – CALIFANO VS. TORRES, 435 U.S. 1, AT 4, note 6 –

SHAPIRO VS. THOMPSON, 394 U.S. 618 (1969) – CALIFANO VS. AZNAVORIAN, 439 U.S. 170, AT 176 (1978) Look the above citations up in American Jurisprudence. Some citations may be paraphrased.

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Acceptable Identification at the TSA Checkpoint

Adult passengers 18 and older must show valid identification at the airport checkpoint in order to travel.

• Beginning May 7, 2025, if you plan to use your state-issued ID or license to fly within the U.S., make sure it is REAL ID compliant . If you are not sure if your ID complies with REAL ID, check with your state department of motor vehicles.  
• State-Issued Drivers License or State-Issued ID
• U.S. passport
• U.S. passport card
• DHS trusted traveler cards (Global Entry, NEXUS, SENTRI, FAST)
• U.S. Department of Defense ID, including IDs issued to dependents
• Permanent resident card
• Border crossing card
• An acceptable photo ID issued by a  federally recognized , Tribal Nation/Indian Tribe
• HSPD-12 PIV card
• Foreign government-issued passport
• Canadian provincial driver's license or Indian and Northern Affairs Canada card
• Transportation worker identification credential
• U.S. Citizenship and Immigration Services Employment Authorization Card (I-766)
• U.S. Merchant Mariner Credential
• Veteran Health Identification Card (VHIC)

In coordination with its DHS counterparts, TSA has identified acceptable alternate identification for use in special circumstances at the checkpoint.

A weapon permit is not an acceptable form of identification. A temporary driver's license is not an acceptable form of identification.

Beginning May 7, 2025, if you plan to use your state-issued ID or license to fly within the U.S., make sure it is REAL ID compliant . If you are not sure if your ID complies with REAL ID, check with your state department of motor vehicles.

Learn more about flying with a REAL ID .

TSA currently accepts expired ID up to a year after expiration, for the above listed forms of identification. DHS has extended the REAL ID enforcement deadline to May 7, 2025. Learn more about REAL ID on  TSA’s REAL ID  webpage.

TSA does not require children under 18 to provide identification when traveling within the United States. Contact the airline for questions regarding specific ID requirements for travelers under 18.

Forgot Your ID?

In the event you arrive at the airport without valid identification, because it is lost or at home, you may still be allowed to fly. The TSA officer may ask you to complete an identity verification process which includes collecting information such as your name, current address, and other personal information to confirm your identity. If your identity is confirmed, you will be allowed to enter the screening checkpoint. You will be subject to additional screening, to include a patdown and screening of carry-on property.

You will not be allowed to enter the security checkpoint if your identity cannot be confirmed, you choose to not provide proper identification or you decline to cooperate with the identity verification process.

TSA recommends that you arrive at least two hours in advance of your flight time.

Names With Suffixes

TSA accepts variations on suffixes on boarding passes and ID. Suffixes are not required on boarding passes. If there is a suffix on the boarding pass, and there is not one on the ID or vice versa, that is considered an acceptable variation.

If your identity cannot be verified, you will not be allowed to enter the screening checkpoint.

Fourteenth Amendment , Section 1:

All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States; nor shall any State deprive any person of life, liberty, or property, without due process of law; nor deny to any person within its jurisdiction the equal protection of the laws.

The doctrine of the “right to travel” actually encompasses three separate rights, of which two have been notable for the uncertainty of their textual support. The first is the right of a citizen to move freely between states, a right venerable for its longevity, but still lacking a clear doctrinal basis. 1 Footnote Saenz v. Roe, 526 U.S. 489 (1999) . “For the purposes of this case, we need not identify the source of [the right to travel] in the text of the Constitution. The right of ‘free ingress and regress to and from’ neighboring states which was expressly mentioned in the text of the Article of Confederation, may simply have been ‘conceived from the beginning to be a necessary concomitant of the stronger Union the Constitution created.’” Id. at 501 (citations omitted). The second, expressly addressed by the first sentence of Article IV, provides a citizen of one state who is temporarily visiting another state the “Privileges and Immunities” of a citizen of the latter state. 2 Footnote Paul v. Virginia, 75 U.S. (8 Wall.) 168 (1869) ( “without some provision . . . removing from citizens of each State the disabilities of alienage in other States, and giving them equality of privilege with citizens of those States, the Republic would have constituted little more than a league of States; it would not have constituted the Union which now exists.” ). The third is the right of a new arrival to a state, who establishes citizenship in that state, to enjoy the same rights and benefits as other state citizens. This right is most often invoked in challenges to durational residency requirements, which require that persons reside in a state for a specified period of time before taking advantage of the benefits of that state’s citizenship.

Durational Residency Requirements

Challenges to durational residency requirements have traditionally been made under the Equal Protection Clause of the Fourteenth Amendment . In 1999, however, the Court approved a doctrinal shift, so that state laws that distinguished between their own citizens, based on how long they had been in the state, would be evaluated instead under the Privileges or Immunities Clause of the Fourteenth Amendment . 3 Footnote Saenz v. Roe, 526 U.S. 489, 502–03 (1999) . The Court did not, however, question the continuing efficacy of the earlier cases.

A durational residency requirement creates two classes of persons: those who have been within the state for the prescribed period and those who have not. 4 Footnote Dunn v. Blumstein, 405 U.S. 330, 334 (1972) . Because the right to travel is implicated by state distinctions between residents and nonresidents, the relevant constitutional provision is the Privileges and Immunities Clause, Article IV, § 2, cl. 1. But persons who have moved recently, at least from state to state, 5 Footnote Intrastate travel is protected to the extent that the classification fails to meet equal protection standards in some respect. Compare Hadnott v. Amos , 320 F. Supp. 107 (M.D. Ala. 1970) (three-judge court), aff’d. per curiam , 405 U.S. 1035 (1972) , with Arlington County Bd. v. Richards, 434 U.S. 5 (1977) . The same principle applies in the commerce clause cases, in which discrimination may run against in-state as well as out-of-state concerns. Cf. Dean Milk Co. v. City of Madison, 340 U.S. 349 (1951) . have exercised a right protected by the Constitution, and the durational residency classification either deters the exercise of that right or penalizes those who have exercised it. 6 Footnote Shapiro v. Thompson, 394 U.S. 618, 629–31, 638 (1969) ; Dunn v. Blumstein, 405 U.S. 330, 338–42 (1972) ; Memorial Hospital v. Maricopa County, 415 U.S. 250 (1974) ; Jones v. Helms, 452 U.S. 412, 420–21 (1981) . See also Oregon v. Mitchell, 400 U.S. 112, 236–39 (1970) (Justices Brennan, White, and Marshall), and id. at 285–92 (Justices Stewart and Blackmun and Chief Justice Burger). Any such classification is invalid “unless shown to be necessary to promote a compelling governmental interest.” 7 Footnote Shapiro v. Thompson, 394 U.S. 618, 634 (1969) (emphasis by Court); Graham v. Richardson, 403 U.S. 365, 375–76 (1971) . The constitutional right to travel has long been recognized, 8 Footnote Crandall v. Nevada, 73 U.S. (6 Wall.) 35 (1868) ; Edwards v. California, 314 U.S. 160 (1941) (both cases in context of direct restrictions on travel). The source of the right to travel and the reasons for reliance on the Equal Protection Clause are questions puzzled over and unresolved by the Court. United States v. Guest, 383 U.S. 745, 758, 759 (1966) , and id. at 763–64 (Justice Harlan concurring and dissenting), id. at 777 n.3 (Justice Brennan concurring and dissenting); Shapiro v. Thompson, 394 U.S. 618, 629–31 (1969) , and id. at 671 (Justice Harlan dissenting); San Antonio School Dist. v. Rodriguez, 411 U.S. 1, 31–32 (1973) ; Jones v. Helms, 452 U.S. 412, 417–19 (1981) ; Zobel v. Williams, 457 U.S. 55, 60 & n.6 (1982) , and id. at 66–68 (Justice Brennan concurring), 78-81 (Justice O’Connor concurring). but it is only relatively recently that the strict standard of equal protection review has been applied to nullify durational residency requirements.

Thus, in Shapiro v. Thompson , 9 Footnote 394 U.S. 618 (1969) . durational residency requirements conditioning eligibility for welfare assistance on one year’s residence in the state 10 Footnote The durational residency provision established by Congress for the District of Columbia was also voided. 394 U.S. at 641–42 . were voided. If the purpose of the requirements was to inhibit migration by needy persons into the state or to bar the entry of those who came from low-paying states to higher-paying ones in order to collect greater benefits, the Court said, the purpose was impermissible. 11 Footnote 394 U.S. at 627–33 . Gaddis v. Wyman , 304 F. Supp. 717 (N.D.N.Y. 1969) , aff’d sub nom. Wyman v. Bowens, 397 U.S. 49 (1970) , struck down a provision construed so as to bar only persons who came into the state solely to obtain welfare assistance. If, on the other hand, the purpose was to serve certain administrative and related governmental objectives—the facilitation of the planning of budgets, the provision of an objective test of residency, minimization of opportunity for fraud, and encouragement of early entry of new residents into the labor force—then the requirements were rationally related to the purpose but they were not compelling enough to justify a classification that infringed a fundamental interest. 12 Footnote 394 U.S. at 633–38 . Shapiro was reaffirmed in Graham v. Richardson, 403 U.S. 365 (1971) (striking down durational residency requirements for aliens applying for welfare assistance), and in Memorial Hospital v. Maricopa County, 415 U.S. 250 (1974) (voiding requirement of one year’s residency in county as condition to indigent’s receiving nonemergency hospitalization or medical care at county’s expense). When Connecticut and New York reinstituted the requirements, pleading a financial emergency as the compelling state interest, they were summarily rebuffed. Rivera v. Dunn , 329 F. Supp. 554 (D. Conn. 1971) , aff’d per curiam , 404 U.S. 1054 (1972) ; Lopez v. Wyman , Civ. No. 1971-308 (W.D.N.Y. 1971) , aff’d per curiam , 404 U.S. 1055 (1972) . The source of the funds, state or federal, is irrelevant to application of the principle. Pease v. Hansen, 404 U.S. 70 (1971) . In Dunn v. Blumstein , 13 Footnote 405 U.S. 330 (1972) . But see Marston v. Lewis, 410 U.S. 679 (1973) , and Burns v. Fortson, 410 U.S. 686 (1973) . Durational residency requirements of five and seven years respectively for candidates for elective office were sustained in Kanapaux v. Ellisor , 419 U.S. 891 (1974) , and Sununu v. Stark , 420 U.S. 958 (1975) . where the durational residency requirements denied the franchise to newcomers, such administrative justifications were found constitutionally insufficient to justify the classification. 14 Footnote For additional discussion of durational residence as a qualification to vote, see Voter Qualifications, supra . The Privileges or Immunities Clause of the Fourteenth Amendment was the basis for striking down a California law that limited welfare benefits for California citizens who had resided in the state for less than a year to the level of benefits that they would have received in the state of their prior residence. 15 Footnote Saenz v. Roe, 526 U.S. 489, 505 (1999) .

However, a state one-year durational residency requirement for the initiation of a divorce proceeding was sustained in Sosna v. Iowa . 16 Footnote 419 U.S. 393 (1975) . Justices Marshall and Brennan dissented on the merits. Id. at 418 . Although it is not clear what the precise basis of the ruling is, it appears that the Court found that the state’s interest in requiring that those who seek a divorce from its courts be genuinely attached to the state and its desire to insulate divorce decrees from the likelihood of collateral attack justified the requirement. 17 Footnote 419 U.S. at 409 . But the Court also indicated that the plaintiff was not absolutely barred from the state courts, but merely required to wait for access (which was true in the prior cases as well and there held immaterial), and that possibly the state interests in marriage and divorce were more exclusive and thus more immune from federal constitutional attack than were the matters at issue in the previous cases. The Court also did not indicate whether it was using strict or traditional scrutiny. Similarly, durational residency requirements for lower in-state tuition at public colleges have been held constitutionally justifiable, again, however, without a clear statement of reason. 18 Footnote Starns v. Malkerson , 326 F. Supp. 234 (D. Minn. 1970) , aff’d per curiam , 401 U.S. 985 (1971) . Cf. Vlandis v. Kline, 412 U.S. 441, 452 & n.9 (1973) , and id. at 456, 464, 467 (dicta). In Memorial Hospital v. Maricopa County, 415 U.S. 250, 256 (1974) , the Court, noting the results, stated that “some waiting periods . . . may not be penalties” and thus would be valid. More recently, the Court has attempted to clarify these cases by distinguishing situations where a state citizen is likely to “consume” benefits within a state’s borders (such as the provision of welfare) from those where citizens of other states are likely to establish residency just long enough to acquire some portable benefit, and then return to their original domicile to enjoy them (such as obtaining a divorce decree or paying the in-state tuition rate for a college education). 19 Footnote Saenz v. Roe , 526 U.S. at 505 .

A state scheme for returning to its residents a portion of the income earned from the vast oil deposits discovered within Alaska foundered upon the formula for allocating the dividends; that is, each adult resident received one unit of return for each year of residency subsequent to 1959, the first year of Alaska’s statehood. The law thus created fixed, permanent distinctions between an ever-increasing number of classes of bona fide residents based on how long they had been in the state. The differences between the durational residency cases previously decided did not alter the bearing of the right to travel principle upon the distribution scheme, but the Court’s decision went off on the absence of any permissible purpose underlying the apportionment classification and it thus failed even the rational basis test. 20 Footnote Zobel v. Williams, 457 U.S. 55 (1982) . Somewhat similar was the Court’s invalidation on equal protection grounds of a veterans preference for state employment limited to persons who were state residents when they entered military service; four Justices also thought the preference penalized the right to travel. Attorney General of New York v. Soto-Lopez, 476 U.S. 898 (1986) .

Still unresolved are issues such as durational residency requirements for occupational licenses and other purposes. 21 Footnote La Tourette v. McMaster, 248 U.S. 465 (1919) , upholding a two-year residence requirement to become an insurance broker, must be considered of questionable validity. Durational periods for admission to the practice of law or medicine or other professions have evoked differing responses by lower courts. But this line of cases does not apply to state residency requirements themselves, as distinguished from durational provisions, 22 Footnote E.g. , McCarthy v. Philadelphia Civil Service Comm’n, 424 U.S. 645 (1976) (ordinance requiring city employees to be and to remain city residents upheld). See Memorial Hospital v. Maricopa County, 415 U.S. 250, 255 (1974) . See also Martinez v. Bynum, 461 U.S. 321 (1983) (bona fide residency requirement for free tuition to public schools). and the cases do not inhibit the states when, having reasons for doing so, they bar travel by certain persons. 23 Footnote Jones v. Helms, 452 U.S. 412 (1981) (statute made it a misdemeanor to abandon a dependent child but a felony to commit the offense and then leave the state).

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Home > JITPL > Vol. 30 > Iss. 4 (2014)

UIC John Marshall Journal of Information Technology & Privacy Law

Article title.

The Right To Travel And Privacy: Intersecting Fundamental Freedoms, 30 J. Marshall J. Info. Tech. & Privacy L. 639 (2014)

Richard Sobel

As a fundamental right inherent in American citizenship and the nature of the federal union, the right to travel in the United States is basic to American liberty. The right precedes the creation of the United States and appears in the Articles of Confederation. The U.S. Constitution and Supreme Court recognize and protect the right to interstate travel. The travel right entails privacy and free domestic movement without governmental abridgement.

In the era of surveillance, the imposition of official photo identification for travel, watchlist prescreening programs, and invasive airport scans and searches unreasonably burden the right to travel. They undermine citizen rights to travel and to privacy. These regulations impermissibly require citizens to relinquish one fundamental right of privacy in order to exercise another fundamental right of travel. The government must preserve these rights in addressing policy goals. The original conception of the right to travel embodies it as a broadly-based freedom that encompasses all modes of transport. Its explicit articulation in the Articles of Confederation became implicit in the Privileges and Immunities Clause of the Constitution. Contrary to the appellate “single mode doctrine,” abridgement of any mode of transportation undermines the constitutionally enshrined travel right. The U.S. Supreme Court needs to rearticulate an originally consistent and politically robust multi-modal right to travel.

Recommended Citation

Richard Sobel, The Right To Travel And Privacy: Intersecting Fundamental Freedoms, 30 J. Marshall J. Info. Tech. & Privacy L. 639 (2014)

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• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
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What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $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®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $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 is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

• 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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.

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 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.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., 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: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

21.24% - 29.24% (Variable)

• 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

• 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.

25,000 points

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

• 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Chase Sapphire Reserve®

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 Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
• 5x Earn 5x total points on flights through Chase Travel℠.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• 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 Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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 every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Capital One Venture X Rewards Credit Card

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

• 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
• 1.5% 1.5% cash back on all other purchases.

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex® .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 70,000 points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best for luxury hotel perks

Marriott Bonvoy Brilliant® American Express® Card

• Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

20.24%, 25.24%, or 29.99% Variable APR

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• Enjoy your first checked bag free on Delta flights.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

• Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

• You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
• Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
• Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
• It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• 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.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site. Earn 5x points on eligible travel, dining, and gas. Earn 1x points on all other purchases.

29.74% Variable

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Card/Account Holders and Approving Officials Travel Training

Lesson 10: Disputes

What is a dispute.

A dispute is a disagreement between the card/account holder and the merchant with respect to a transaction. Disputable charges include double billings and charges to your card/account that belong to another card/account. Non-disputable charges include sales tax, shipping, and returned or unused airline tickets. Usually, airline tickets are purchased by the Travel Management Company (TMC) using the centrally billed account (CBA) and the amount will never appear on your travel card/account. In the instance when you purchase airline tickets using your own individually billed account (IBA) and you return the tickets, the airline will issue a credit against your account. You, the card/account holder, are responsible for notifying the contractor bank of any items in dispute and will have 90 calendar days from the transaction date to initiate a dispute, unless otherwise specified by the agency/organization.

Payment of the undisputed charges must be made by the payment due date. Once you have submitted the dispute to the bank, delinquency of the disputed amount will be held in abeyance until the matter is resolved.

Please note that you relinquish your right to recover a disputed amount if you do not dispute it before 90 calendar days from the transaction date.

How do you handle questionable charges on the bill?

As a card/account holder, you are responsible for reviewing all charges on your statement. One of the first signs of fraud is at least one “mystery expense” showing up on your statement. Verify your statement by:

• Looking for transactions or account withdrawals that you do not recall making.
• Checking for unknown vendors.

If you do notice a questionable charge, act promptly so that you will have the necessary information before payment is due.

Contact the merchant for clarification on the charge.

• If you need help identifying the merchant, call the contractor bank’s customer service number listed on the back of your GSA SmartPay® Travel card/account.
• If the charge is erroneous, generally the merchant will reverse it, and it will appear as a credit on your next statement.
• Be sure to follow up and make sure the credit was posted to your account and deduct the credited amount from your payment.
• If the credit is not posted in a reasonable amount of time, dispute the charge with the bank.
• If the merchant says it is a legitimate charge to your card/account, ask for proof, such as a signed receipt.
• If, after receiving the additional information from the merchant, you do not agree that it is a legitimate charge, dispute the charge with the bank.

training.smartpay.gsa.gov

An official website of the General Services Administration

The best Chase business cards: Maximize your company’s rewards

To find the best Chase business credit card, assess your company's spending habits, consider the most valuable rewards for your business, and evaluate each card's annual fee against its benefits.

Holly D. Johnson

Johnson has been a personal finance contributor for more than 10 years. She focuses on investing, banking products, credit cards and scoring and insurance.

Hanna Horvath

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated June 19, 2024, 4:25 PM EDT

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Advertiser disclosure: Content provided by Bankrate.com. Fox and its content partners earn compensation from the affiliate companies below. This content doesn’t include all available offers, and compensation may impact how and where links appear in the content.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Chase offers some of the best business credit cards on the market. With various options tailored to different business needs and spending habits, these cards can help you maximize your rewards while providing essential perks and protections.

Here are the top Chase business credit cards, including rewards, benefits, and features to help you find the perfect fit for your business.

Best Chase business credit cards

Ink business preferred® credit card, ink business cash® credit card, ink business unlimited® credit card, ink business premier® credit card, southwest® rapid rewards® performance business credit card, united club℠ business card, world of hyatt business credit card, ihg one rewards premier business credit card.

The Ink Business Preferred® Credit Card is a top choice for businesses that spend heavily on travel, shipping, internet, cable, phone, and advertising. With a generous sign-up bonus and valuable travel perks, this card can help you quickly rack up rewards to offset business expenses.

• 3X points on travel, shipping, internet, cable, phone, and advertising (up to $150,000 per year, then 1X points)
• 1x points on all other purchases

Annual fee: $95

This is the only business credit card from Chase that earns flexible travel points. You can transfer points earned with this card to airline and hotel partners like British Airways, Southwest Rapid Rewards, Marriott Bonvoy, and World of Hyatt. 

Points are worth 25% more when redeemed for travel through Chase. You can also redeem points for cash back, gift cards, Apple purchases, and more.

The Ink Business Preferred card's welcome bonus is generous, considering its $95 annual fee. This card also has no foreign transaction fees, making it a solid choice for business owners who travel overseas.

Who it's best for: The Ink Business Preferred Card is ideal for small business owners who have flexibility when redeeming rewards for travel and other options.

• Generous welcome offer
• 3X points on common business categories
• Points transfer to Chase airline and hotel partners
• 25% rewards bonus when booking travel through Chase
• Valuable travel insurance benefits
• No foreign transaction fees
• Free employee cards
• $95 annual fee
• High spending requirement for bonus
• No intro APR offer
• Annual cap on bonus categories
• Earns just 1X points on regular purchases

The Ink Business Cash® Credit Card offers excellent cash back rewards on common business expenses like office supplies, telecommunications, and gas. With no annual fee and a generous sign-up bonus, this card is a great choice for businesses looking to maximize their rewards without additional costs.

• 5% cash back on office supply stores and internet, cable, and phone services (up to $25,000 per year, then 1%) 
• 2% cash back on gas stations and restaurants (up to $25,000 per year, then 1%) 
• 1% cash back on all other purchases

Annual fee: $0 

This card also comes with a solid introductory 0% APR offer — a perk for business owners who need to invest in equipment or inventory and want to pay their purchases off interest-free over the first year.

Keep in mind the Ink Business Cash card offers cash back instead of travel rewards points. That means you can't transfer rewards to airline and hotel partners unless you also have another Chase travel card. But you can still use your cash back to book travel through Chase at the standard redemption rate of one cent per point.

Other perks include purchase protection, extended warranty protection, and auto rental collision damage waiver. 

Who it's best for : The Ink Business Cash card is ideal for maximizing rewards at office supply stores and on internet, cable, and phone services. It's also a great option for businesses looking for a no-annual-fee card with a strong sign-up bonus.

• Lucrative welcome offer
• High cash back rates on common business expenses
• No annual fee
• 10% business relationship bonus
• Intro APR for purchases
• Can combine with Chase travel credit cards for premium travel redemptions
• Foreign transaction fees
• Limited travel perks compared to other Chase business cards

The Ink Business Unlimited® Credit Card keeps things simple by offering a flat rewards rate of 1.5% cash back on all purchases. There are no bonus categories to keep track of, making this card a great choice for businesses with varied spending that prefer simplicity.

• 1.5% cash back on all purchases
• 5% back on Lyft rides (through March 2025) 

Like the Ink Business Cash card, the Ink Business Unlimited offers an intro APR offer with no annual fee. You can also redeem rewards similarly, including cash back, statement credits, merchandise, and gift cards. 

Additional perks include purchase protection, extended warranty protection, and auto rental collision damage waiver. 

Who it's best for : The Ink Business Unlimited Card is best for business owners who want to earn a higher rate of cash back on all purchases with no annual fee.

• Solid welcome offer
• Unlimited 1.5% cash back on all purchases
• Intro APR offer for purchases
• No bonus categories for higher rewards

The Ink Business Premier® Credit Card is designed for businesses with large purchases and high overall spending. With unlimited 2% cash back on all purchases and 2.5% cash back on purchases of $5,000 or more, this card can help you maximize rewards on big-ticket items.

• 2% cash back on all purchases
• 2.5% cash back on purchases of $5,000 or more
• 5% cash back on travel booked through the Chase travel portal 

Annual fee: $195

The Ink Business Premier® Card has a $195 annual fee, but it offers an impressive rewards rate that can more than make up for it. A robust welcome bonus can also sweeten the pot for new cardholders. 

Unlike other Chase business cards, the Ink Business Premier doesn’t let users combine rewards with Chase travel cards. If you have a card like the Chase Sapphire Preferred® or Chase Sapphire Reserve®, you cannot pool your rewards. 

Instead, you can choose from standard cash back redemption options. This includes cash back in the form of a check, statement credits, merchandise, gift cards, or travel through Chase.

Other perks include trip cancellation insurance, primary rental car insurance, roadside assistance, purchase protection, and extended warranty protection. 

Who it's best for : The Ink Business Premier® Card is best for business owners who want to maximize cash back.

• Unlimited 2% cash back on all purchases
• Comes with generous travel insurance protections
• Cannot combine rewards with Chase travel credit cards

The Southwest Rapid Rewards® Performance Business Credit Card is a top choice for business owners who frequently fly Southwest Airlines. It offers generous rewards on Southwest purchases and a range of valuable travel benefits.

• 4X points on Southwest purchases
• 3X points on participating hotel and car rental partners
• 2X points on local transit, rideshares, commuting
• 2X points on social media and search engine advertising, as well as internet, cable, and phone services
• 1X points on all other purchases

Annual fee: $199

You can redeem points for Southwest flights, hotel stays, car rentals, gift cards, and more. Plus, there are no blackout dates or seat restrictions when redeeming points for Southwest flights. 

This card also comes with four Upgraded Boardings per year, inflight WiFi credits, a Global Entry or TSA PreCheck application fee credit, and no foreign transaction fees. You’ll get 9,000 bonus points for each account anniversary. 

Who it’s best for: The Southwest Rapid Rewards Performance Business Credit Card is best suited for business owners who frequently fly Southwest Airlines and can take advantage of the card's high earning rates on Southwest purchases and generous anniversary bonus. 

• High earning rate on Southwest purchases
• Generous anniversary bonus points
• Valuable Southwest-specific perks
• $199 annual fee
• Limited bonus categories outside of Southwest and partner purchases
• Rewards are mostly focused on Southwest travel

The United Club℠ Business Card is a premium airline credit card that offers frequent United fliers various travel benefits, including United Club membership and premier access to travel services. It’s one of the best credit cards for United Airlines .

• Earn 2X miles on United purchases
• Earn 1.5X miles on all other purchases

Annual fee: $450

You can redeem miles for United flights, seat upgrades, hotel stays, and more. You can also transfer miles to United's airline and hotel partners. 

This card comes with many added perks for United fliers. This includes a United Club membership (a value of up to $650 per year), free first and second checked bags for you and a companion on United flights, and Premier Access travel services (priority check-in, security screening, boarding, and baggage handling). You’ll also get 25% back on United inflight purchases. 

This card has an annual fee of $450 and no foreign transaction fees. 

Who it’s best for:

The United Club℠ Business Card is best suited for business owners who frequently fly United and can use the United Club membership and premium travel benefits. It's also a good choice for those who want to earn United miles on their business expenses.

• United Club membership included
• Generous sign-up bonus
• Premier Access travel services
• High flat-rate rewards
• Free checked bags
• High annual fee
• Limited redemption flexibility
• Limited bonus categories for earning miles
• Rewards are mostly focused on United travel

The World of Hyatt Business Credit Card is a hotel credit card that offers valuable rewards and benefits for business owners who frequently stay at Hyatt properties.

• Up to 9X points spent at Hyatt: 4X points when you use your card at Hyatt hotels plus 5X base points as a World of Hyatt member
• 2X points on your top three eligible spend categories each quarter (through Dec. 31, 2024), then 2X points on your top two eligible categories each quarter
• 2X on fitness club and gym memberships

You can redeem points for free nights at Hyatt hotels and resorts or transfer points to Hyatt's airline partners. It’s one of the best cards for Hyatt loyalists . 

This card has perks like automatic World of Hyatt Discoverist status and no foreign transaction fees. If you spend $50,000 or more in a calendar year, you can earn five tier-qualifying night credits toward your next tier status. You’ll also get $100 in Hyatt credit each anniversary year. 

Who it’s best for: 

The World of Hyatt Business Credit Card is best suited for business owners who frequently stay at Hyatt properties and can take advantage of the automatic elite status and anniversary credit. 

• Automatic World of Hyatt Discoverist status
• Flexible bonus categories
• $100 annual Hyatt credit
• Limited redemption options outside of Hyatt
• Relatively low earning rate on non-bonus purchases

The IHG One Rewards Premier Business Credit Card is an excellent choice for business owners who frequently stay at IHG hotels. It offers top-tier rewards rates at IHG properties and a variety of valuable perks for IHG loyalists.

• Up to 26X points at IHG properties (10 points as a cardholder plus 16 points per dollar earned as an IHG One Rewards Club member)
• 5X points on gas, restaurants, and grocery
• 3X points on other purchases

Annual fee: $99

You can redeem points for free nights at IHG properties worldwide and transfer points to IHG airline partners. Added perks include automatic IHG Rewards Platinum Elite status, Global Entry, TSA PreCheck, or NEXUS application fee credit, and a 20% discount on IHG point purchases. 

You’ll also get a Free Night Award worth up to 40,000 points each account anniversary and a Fourth Reward Night when you redeem points for any stay of four or more nights. 

The IHG One Rewards Premier Business Credit Card is best suited for business owners who frequently stay at IHG properties and can take advantage of the card's high earning rates at IHG hotels, automatic elite status, and anniversary free night award. 

• High earning rate at IHG properties
• Valuable IHG-specific perks like automatic elite status
• Anniversary Free Night Award
• Limited redemption options outside of IHG
• 10x bonus points limited to IHG purchases
• $99 annual fee

Comparing the best Chase business cards 

How to choose the right chase business credit card.

The best Chase business credit cards all have their own perks. But, different cards can work better for businesses with different goals. To choose the right Chase business card for your company, consider the following factors:

• Assess your business spending habits: Look at your company's expense categories and identify where you spend the most. This will help you determine which card's reward structure best aligns with your spending.
• Consider the types of rewards most valuable to your company: Decide whether cash back, travel rewards, or a combination of both would be most beneficial for your business. Most Chase business credit cards offer cash back only, whereas the Ink Business Preferred® Credit Card lets you redeem rewards for premium travel redemptions like point transfers.
• Evaluate annual fees vs. benefits: Weigh the annual fees of each card against the rewards and perks they offer to determine if the benefits outweigh the costs.

For example, a company with high travel expenses may prioritize a card like the Ink Business Preferred® Credit Card, which offers 3X points on travel and a 25% bonus when redeeming for travel through Chase Ultimate Rewards®. 

On the other hand, a local business that spends a lot on office supplies may prefer the Ink Business Cash® Credit Card, which offers 5% cash back in those categories.

Tips for maximizing your Chase business credit card

Maximizing rewards can be a breeze with the right Chase business card, but there are moves you can make to elevate your rewards even further. 

• Strategically use cards for specific purchase categories: If you opt for a Chase business card with bonus rewards in specific categories, you can increase your rewards over time by keeping track of those categories and using your card for bonus rewards purchases whenever you can.
• Pair more than one Chase card: Consider pairing multiple Chase credit cards (both business and consumer) to earn more rewards on all your spending. Chase lets you combine rewards from all your accounts (besides the Ink Business Premier® Credit Card) in one place.
• Utilize employee cards to boost rewards: After getting your Chase business credit card, get employee cards for people who work for you. Not only are employee cards free, but they can also help you track spending and earn more rewards on business expenses.

Alternatives to Chase business cards

One area where Chase falls short is in the premium business travel card market. 

While the Ink Business Preferred® Credit Card does let you transfer your points to Chase airline and hotel partners, it doesn't come with luxury travel benefits like annual travel credits or airport lounge access. Suppose you're looking for a business credit card with these premium perks for travel. You may want to check out the Capital One Venture X Business or the Business Platinum Card® from American Express instead.

Some other top options include:

• American Express® Business Gold Card: This card offers 4x points on your top two spending categories each month (from a list of six) and a 25% bonus when using points to book travel through Amex.
• Capital One Spark® Cash for Business: Offers unlimited 2% cash back on all purchases and a generous sign-up bonus.
• Brex Card for Startups: This card offers tailored rewards based on your company's industry and spending habits. There's no personal guarantee or credit check required.

When comparing these alternatives to Chase business cards, consider rewards rates, annual fees, and additional perks to determine which card best suits your company's needs.

How we rated the best Chase Business cards

To determine the best business credit cards from Chase, we evaluated each card's sign-up bonus, rewards earning rates on purchases, added perks and benefits, annual fees, and overall value. 

Our team analyzed numerous credit card offers and selected the top contenders based on these key criteria. The options on this list represent the best value, rewards, and benefits available. Read more about our methodology here . 

Frequently asked questions about Chase business cards 

What is the difference between a business credit card and a personal credit card .

Business credit cards are designed for business expenses and often offer rewards and perks tailored to common business spending categories. They also typically require a personal guarantee from the business owner.

Can I use a Chase business credit card for personal expenses?

 While it's possible to use a business credit card for personal expenses, it's not recommended. Mixing personal and business expenses can make it difficult to track business spending and may complicate your company's taxes.

How do I qualify for a Chase business credit card? 

To qualify for a Chase business credit card, you'll typically need good to excellent credit (a FICO score of 690 or higher) and a valid business (even if it's a sole proprietorship). Some cards may have additional requirements, such as minimum annual revenue or time in business.

Can I have multiple Chase business credit cards? 

Yes, you can have multiple Chase business credit cards as long as you meet the eligibility requirements for each card. However, remember that Chase has a 5/24 rule, which means you may not be approved if you've opened five or more credit cards (from any issuer) in the past 24 months.

The bottom line

The best Chase business credit cards offer something for every type of business owner, whether they want to maximize cash back rewards on all their spending or want to earn flexible rewards for travel. Chase also lets users combine rewards with most of their cards in a single account, which makes redeeming much more convenient.

To find the best Chase business credit card for your company, assess your spending habits, consider the types of rewards most valuable to your business, and evaluate each card's annual fee against its benefits. By choosing the card that best aligns with your company's goals, you can ensure that you're getting the most value. 

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.

Speed your way through customs in Asia: Guide to the APEC travel card

U.S. citizens who work in the Asia -Pacific Economic Cooperation region may be eligible for a specific travel card that can fast-track them through the immigration processing at participating airports.

Here's everything you need to know about using an APEC Business Travel Card.

What is an APEC Business Travel Card, and where can I use it?

The U.S. APEC Business Travel Card Program is available to U.S. citizens and government officials engaged in business in the APEC region; APEC is an economic forum supporting free trade and economic prosperity in the Asia-Pacific region. The group is comprised of 21 member countries, including the U.S.

APEC Business Travel Cardholders can access a dedicated fast-track lane for expedited immigration processing at the major international airports of each APEC country, specifically the U.S., Australia, Brunei Darussalam, Canada, Chile, China, Hong Kong China, Indonesia, Japan, Korea, Malaysia, Mexico, New Zealand, Papua New Guinea, Peru, Philippines, Russia, Singapore, Taiwan, Thailand and Vietnam.

U.S. citizens with an APEC Business Travel Card may also use the card to enter the U.S. via Global Entry for expedited clearance through automated kiosks at 75-plus airports .

Who is eligible for an APEC Business Travel Card?

APEC Business Travel Cards are for U.S. citizens and government officials "actively engaged" in APEC business. More specifically, they need to be "a verified business person" involved in the "trade of goods, the provision of services or the conduct of investment activities in the APEC region," per U.S. Customs and Border Protection .

Note: These terms do not include professional athletes, news correspondents, entertainers, musicians, artists or persons engaged in similar occupations.

Additionally, you must also be a member (in good standing) of a CBP trusted traveler program — specifically Global Entry , Sentri or Nexus — to be eligible.

How do I apply for an APEC Business Travel Card?

You can apply for an APEC Business Travel Card on the Trusted Traveler Program website . You can apply for the other trusted traveler programs on the website as well.

"Check the box in TTP for the U.S. APEC Business Travel Card," according to CBP . "Then schedule a visit to any CBP trusted traveler enrollment center for an interview (if you are not already a CBP trusted traveler) and for electronic signature collection."

It should take approximately 10 minutes to complete the application.

Existing CBP-trusted travelers don't need to schedule an appointment and can instead visit any enrollment center to complete the interview process.

Stand-alone applicants should expect to pay a nonrefundable $70 application fee. Those applying for the card and Global Entry would pay $170. However, since Global Entry prices will soon increase , they will pay if they apply after the beginning of October.

Bottom line

Though only useful for a very specific group of travelers, U.S. citizens who participate in APEC business should consider applying for an APEC Business Travel Card if they would like expedited entry back into the U.S.

Related reading:

• 7 ways to get free or discounted TSA PreCheck, Global Entry and Clear
• 14 things to know about Global Entry
• When and how to renew your passport, according to the State Department
• You can now renew your passport online
• All you need to know about Enhanced Drivers Licenses

Best eSIM Card for Argentina in 2024

Searching for the best eSIM card for Argentina? You’ve come to the right place. As an avid traveler and tech enthusiast, I’ve tested out numerous eSIM providers to find the top options for seamless connectivity in Argentina.

In this comprehensive guide, I’ll walk you through everything you need to know:

Why You Should Use an eSIM Card in Argentina

Using an eSIM while traveling internationally comes with some great benefits:

• Avoid expensive roaming fees  – eSIMs provide cheap, local connectivity
• Easy setup  – Takes just minutes to get connected
• Flexibility  – Change plans or top up data easily via the provider’s app
• Enhanced security  – eSIMs are more difficult to clone compared to physical SIM cards

For these reasons, eSIMs are my go-to for staying connected while visiting Argentina and other countries.

Factors to Consider When Choosing an Argentina eSIM Card

However, not all eSIM card providers are created equal. Here are the key factors I consider when selecting one:

Network Coverage & Reliability

Solid network connectivity is essential – I always check which local mobile networks the eSIM provider partners with. Movistar, Claro and Personal offer the best coverage across Argentina.

eSIM data plans range from $5 to $50+ depending on data amounts. Pay-as-you-go plans offer the most flexibility.

Customer Service

24/7 support via chat, email or phone reassures me I’ll have backup in case any connectivity issues arise.

Setup & Ease of Use

An intuitive app for completing setup and managing the eSIM plan is ideal. Scannable QR code activation is quick and convenient.

With the key decision drivers covered, let’s explore the top eSIM card providers for travel in Argentina.

5 Best eSIM Services for Argentina

Based on extensive testing and research across 20+ eSIM providers worldwide, I’ve narrowed down the top 5 options for Argentina:

1. Airalo – Best Overall

For your everyday connectivity needs in Argentina, Airalo tops my list.

One reason is their partnership with Telefónica Movistar, providing access to Movistar’s solid 4G/LTE coverage spanning all major cities and population hubs across Argentina.

In terms of packages, Airalo offers both fixed data and unlimited data plans ranging from 24 hours to 1 year in duration. Their 1 GB, 5 GB and 10 GB fixed data plans are popular options for shorter Argentina trips. Prices are reasonable too – for example, 5 GB over 15 days costs around $26.

Setting up and managing Airalo’s eSIM is easy with their user-friendly app allowing you to activate and swap plans whenever needed with a quick QR code scan.

So whether you need a few gigabytes of data for a week in Buenos Aires or unlimited data over two weeks exploring Patagonia, Airalo has you covered.

Airalo packages start from $5 for 1 GB / 3 days. Multi-country packages also available.

2. AlwaysOnline Wireless – Most Flexible Top Ups

International nomads needing long term connectivity across Latin America should check out AlwaysOnline Wireless. Their Mexico, Central & South America eSIM card provides 30 days coverage spanning 20+ countries including Argentina – excellent for extended trips around the region.

If your travels are Argentina-focused, their standout pay-as-you-go eSIMs offer maximum flexibility. For example, their Argentina Super Pack provides 30 days validity with customizable top ups – add 1GB data buckets starting at ~$5 each as needed, or unlimited data for $29. Voice & text bundles also available.

With access to Personal and Movistar’s networks, AlwaysOnline ensures reliable connectivity throughout Argentina. Coupled with easy activations via QR code and responsive customer support, it’s a great choice for maximizing value on longer adventures.

AlwaysOnline Wireless 30-day pay-as-you-go Argentina eSIM package with customizable data, voice & text top ups.

3. TravelSIM eSIM – Best Global + Argentina Coverage

As the name suggests, TravelSIM specializes in eSIMs designed for worldwide travel. One neat option is their Smart Select plan covering 190+ destinations including Argentina. It offers 100 MB free per country then pay-as-you-go billing – $12 per additional 1 GB used.

Ideal for globetrotters visiting Argentina, the Smart Select plan ensures low cost connectivity across countries without having to swap SIMs. TravelSIM also provides eSIMs specific to Argentina or South America for more extended regional travel.

While TravelSIM’s app is not as refined as Airalo’s, their eSIMs offer reliable connectivity through Claro’s and Movistar’s mobile networks in Argentina. With activations through QR code and 24/7 customer support, TravelSIM checks all the boxes.

TravelSIM eSIM enables connectivity in Argentina and across 190+ other countries through pay-as-you-go plans.

4. DENT eSIM – Best for Device Sharing

As more wi-fi enabled devices like iPads support eSIM connectivity, the ability to share data across multiple products comes in handy.

This is where DENT shines – their mobile data plans and eSIM app facilitate data sharing across 10 devices simultaneously.

While DENT’s free 300 MB global starter kit trial provides brief worldwide connectivity, their 1 GB regional data pack offers an affordable full month of access in Argentina and the rest of Latin America for $9.99. Simply scan the QR code to get set up then share data anywhere across your paired laptop, tablet, mobile or smartwatch.

Additional Argentina data packs range up to 25 GB over 30 days for $79.99. With reliable connectivity via Personal’s 4G network, DENT brings welcome flexibility for juggling devices on the go.

DENT eSIM allows data sharing to 10 devices simultaneously, helpful while traveling with multiple wi-fi enabled gadgets.

5. Ubigi – Extensive Regional Options

Ubigi takes a unique approach to eSIMs with pay-as-you-go style data credits redeemable across extensive country offerings – over 190 worldwide.

Travellers exploring multiple Latin American destinations can benefit from Ubigi’s Americas Plan including Argentina. After purchasing data credits, simply select Americas Plan upon activation to enjoy 30 days of connectivity spanning 100+ countries throughout North, Central and South America plus the Caribbean. 1 GB of data credits provides good value at $15.

Those focused solely on Argentina can choose the Argentina Plan – $25 of data credits lasts 30 days with 500 MB allotted per month. Speeds reach 4G/LTE thanks to connectivity via Personal’s mobile network.

With data sharing across 5 devices and easy accessing via Ubigi’s straightforward app, this provider appeals to travelling parties juggling both regional explorations and Argentina-focused journeys.

Ubigi offers pay-as-you-go data credits redeemable on eSIMs tailored for Argentina plus broader regional connectivity.

Key Considerations When Selecting an eSIM Card for Argentina

To recap, key features to evaluate when choosing an Argentina eSIM provider include:

• Network coverage and connectivity speeds
• Value for money based on duration options and data amounts
• International customer support responsiveness
• Ease of initial eSIM activation and plan management
• Multi-country options for extended travel
• Data sharing capabilities

By selecting an eSIM service matching your connectivity requirements and trip plans, you’re guaranteed to stay conveniently connected all across Argentina – without any SIM swapping hassles or expensive roaming charges.

Network Coverage in Argentina

Given Argentina’s immense geography spanning lush rainforests to towering Andean peaks, network reliability should be top of mind.

Movistar, Claro and Personal have the most extensive 4G/LTE coverage nationally:

• Movistar  dominates central regions plus Patagonia
• Claro  prevails in northern areas
• Personal  leads coverage in Cuyo wine country

When purchasing an Argentina eSIM, I always verify which underlying provider is supplying the connectivity to match my travel itinerary.

Do You Need a SIM Card or eSIM for Argentina?

With an increasing number of devices becoming eSIM-compatible, travellers have greater choice whether to use a physical SIM card or eSIM while visiting Argentina. Here’s an overview of each to help decide:

Regular SIM Card

• Requires a SIM card slot and swapping out existing SIM
• Purchase locally at airport kiosks or retail stores
• Activations may involve providing passport details
• Selection of data packages varies by provider
• Top ups require locating a retailer in person
• No swapping required for activation – scans via QR Code
• Order & set up convenient web-based service before arriving
• Better pricing, packages and conditions transparency
• Manage plans and data usage easily through provider apps
• Enhanced security relative to physical SIM cards

As more smartphones embrace eSIM capabilities, travellers to Argentina can gain from the flexibility and seamless connectivity eSIMs provide through simple activations, cost savings and robust account management.

Summary – Best eSIM Card Options for Travel in Argentina

To conclude, eSIMs unlock valuable benefits for international travelers, from slashing expensive roaming charges to enhancing mobile plan manageability.

As Argentina’s major networks expand their next-gen connectivity, compatible devices help maximize these offerings through eSIMs increasingly becoming the norm.

Whether you need a few gigabytes across a week in buzzing Buenos Aires or unlimited data over a fortnight photographing Patagonia’s majestic landscapes, Argentina’s top eSIM providers have you covered.

I hope this guide has helped demystify choosing the best eSIM card for your upcoming trip to this captivating South American destination. Feel free to reach out with any other questions in planning your Argentine eSIM connectivity.

¡Buen viaje!

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Allianz Travel Insurance Review

• Coverage Options

Compare Allianz Travel Insurance

• Why You Should Trust Us

Allianz Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single-trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its OneTrip Prime and Premier plan.

Allianz is well-reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options.

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

Allianz Travel Insurance Frequently Asked Questions

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Why You Should Trust Us: How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the best travel insurance companies in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance ratings methodology here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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