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Going into 2018, you may benefit from having a travel credit card. There are many benefits to owning one, and you don’t necessarily have to travel a lot to benefit. There are dozens to choose from, and we’ll review and company the best travel credit cards. Whether you want a general travel rewards card or the best airline credit cards, we’ll help you. Ranking as one of the best travel card for 2018, the Chase Sapphire Preferred is an excellent choice.

Cardholders get a generous welcome bonus to start that comes in the form of 50,000 unlimited reward points. You also get double points for travel and dining including taxi fares, takeout, and dining in. There are no foreign transaction fees, and your points are transferable to hotel and frequent flyer programs. Finally, you also get multiple redemption options for your points. This allows you to be flexible with how you reward yourself.

95 annual fee with this card, and that is very reasonable. You won’t get an introductory APR with this card either. If you’ve recently applied and opened multiple cards, Chase may deny your application due to the Chase 5/24 rule. Additionally, you need higher than average credit to qualify for this card. Another one of the best travel credit cards is also from Chase.

The Chase Sapphire Reserve card gives you three points for every dollar you spend on dining and travel. Chase has a generous category for dining, and this includes taxi fares, coffee, dine in and takeout. You also get one point for every dollar you spend in other places. 300 travel credit that Chase will automatically credit to your account once a year. 4,000 in the first four months, and you’ll get 50,000 bonus points. 500 statement credit. Your points are transferable to other to other travel loyalty programs as well.

450. The application process is very selective, and many people won’t get approval. Additionally, you also have to have excellent credit for this card. As two of the best travel credit cards for 2018, you have to see how they compare to each other. Both cards have a generous welcome bonus, but you do have to spend quite a bit to get them.

Both cards let you transfer your points to frequent travel programs. However, Chase Sapphire Preferred gives you double points on dining and travel, and Chase Sapphire Reserve gives you triple. 300 annual credit. This can help to offset the higher annual fee this card has. Additionally, the Chase Sapphire Preferred doesn’t penalize you for adding authorized users while the Chase Sapphire Reserve does. Depending on your spending, either one of these cards could be the best travel credit cards for you. 2,750 annually, the Chase Sapphire Reserve is most likely the better choice.

Also, the welcome bonus and points are more flexible on the Reserve card. Now that we’ve compared the Chase Sapphire cards, we’ll move on to other great general travel rewards card. We want you to find the best travel card for 2018, and this means looking at one more general travel rewards credit card. The Capital One VentureOne Card is one of the best travel credit cards on the market. You can get miles, bonuses, and no annual fees with this card.

As it has no annual fee, you can use this card as it suits you without trying to justify an annual fee. Use it as little or as much as you want without any worry. Your bonuses won’t expire as long as your account is open and in good standing.

This allows you to let your awards accumulate and use them for big redemptions. Your rewards and miles are also unlimited. For every dollar you spend, you get 1.25 miles. There is no foreign transaction fee, and you get a nice sign-up bonus. The APR is higher on this card, and you need good or excellent credit to qualify. While you do earn rewards, the rates are lower than other rewards cards. 1,000 in the first three months to get the welcome bonus. United Airlines has several credit cards available.

However, this card ranks as one of the best travel credit cards because it has no annual fee. You get TravelBank Cash as your rewards, and you get 2% for every dollar spent on airline tickets. United Airlines will also give you 1.5% for every dollar you spend elsewhere. There are statement credits available when you use your card to buy in-flight food or beverages. You also get travel insurance, price protection, no foreign transaction fee, and much more.

Credit cards don’t exist solely to help you spend money. If you choose the right one for your lifestyle, you can earn just by doing your regular shopping. The key is to choose a credit card with a solid and worthwhile rewards program that suits you. First, let’s clarify what a rewards credit card is.

What Are Rewards Credit Cards, Credit card rewards programs come in different formats, but the basic idea is the same; you earn a fixed number of points for every dollar that you spend. Once you’ve earned enough points, you can redeem them for different types of rewards, depending on the specific card.

When trying to determine the best rewards card for you, consider your spending patterns. Your card should allow you to earn points when buying the items you would be purchasing anyway. For example, if you are a frequent business traveler, then a hotel rewards credit card that earns extra points on hotel stays would be a smart choice. A large family would do best with a rewards card that earns points at the grocery store they shop at most frequently, while anyone who covers a lot of miles would benefit from an auto rewards credit card.

We’ve put together the below list to allow you to compare the different options available in Canada with greater ease (click the card names for a super-fast scroll to their respective reviews). The American Express Cobalt is the best rewards credit card in Canada for foodies and bon vivants. 1 spent on eating out in restaurants or bars, as well as on food delivery, and even on your grocery bills. 1 spent on travel—which includes hotel stays, gas, and ground transportation—make it a diverse card as well. 1. Receiving up to 30,000 points as a welcome bonus is obviously another major plus. 500 per month on the card for the rest of the first year.

500 annual fee is deducted - a 3% return on spending. If lower American Express acceptance doesn’t work for you, go with the TD Aeroplan Visa Infinite. It gives you a nice balance of rewards earned, perks and insurance, plus a lower annual fee. 399 respectively, but you get a whole range of perks that you won't get with other cards. 200 annual travel credit.

For the CIBC Aerogold Visa Infinite Privilege: 1 free checked bag, free airport lounge access, priority check in and boarding, plus insurance that covers you for flights booked with your points (not just flights paid for with your card). The American Express Gold Rewards Card is also great for getting a big sign up bonus, you’ll need to first transfer your credit card points to some type of airline mile (Aeroplan, for example). 625 worth of flight rewards just for signing up.

If your gas, groceries, drugstores, travel, restaurants, or entertainment purchases make up the majority of your spending - then there are several cards that give you extra rewards on those things. The American Express Cobalt Card gives you the highest return on food of any credit card in Canada right now.

So, whether you’re making home-cooked meals every night, or you’re a take-out kind of person - you’ll be earn 5 points at grocery stores, restaurants and bars. Not to mention the 2 points you can earn on any travel purchases you make - gas and transit included. The TD Aeroplan Visa Infinite and Aeroplan Visa Infinite Privilege are two other great options. If you're looking for a bonus on restaurant and entertainment spending, then the Scotiabank Gold American Express Card (rank 19) can't be beat.

You won't get miles, but you will get travel points that are worth 1 cent each giving you a 1% return on spending. When it comes to travel credit cards, you really do get what you pay for. Premium travel credit cards and annual fees go hand in hand, because fees are needed to help pay for all those increased perks and travel insurance coverage. However, there are still a few travel credit cards without annual fees to choose from. For example, the MBNA Rewards Mastercard (rank 46) would be our number one choice for no fee travel.

This card has lesser rewards, insurance, and perks than its bigger, higher fee, World Elite brothers, but it offers a great starting point if you are looking to get your feet wet in the travel rewards game. Every card from American Express has surprisingly no minimum income requirements - even their premier card, The Platinum Card.

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy. The Top 9 Card Offers This Month Have a Little Something for Everyone (Including a Brand New 100,000 Point Bonus)! We devote thousands of hours of research to help you get Big Travel with Small Money.

You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy. Million Mile Secrets readers and team members make the most of the best credit card offers to get Big Travel with Small Money. And redeem miles & points to travel cheaply to destinations like Disney World, Europe, Japan, New Zealand, and many others!

If you’re new to rewards credit cards, be sure to read our post with myths associated with applying for new cards. AND maintain an excellent credit score! Lots of Million Mile Secrets readers apply for one of the best business credit cards or one of the best cards with no annual fee to enjoy Big Travel with Small Money. And remember, you shouldn’t necessarily shy away from cards with annual fees.

Because many annual-fee cards have terrific ongoing perks (like annual travel credits!) that can easily offset the fee expense! The Chase Ink Business Preferred earns Chase Ultimate Rewards points, which are our favorite type of flexible points! 5,000 on purchases in the first 3 months from account opening. 95 annual fee is NOT waived the first year. Team member Keith can confirm the cell phone insurance perk actually works! 85 check to cover the cost of repairing his damaged iPhone screen.

So he’ll definitely continue to keep this card in his wallet! This is a small business card, but you might qualify without realizing it. Check our step-by-step guide to completing a Chase business card application. 1 card we recommend for beginners in the miles & points hobby. 4,000 on purchases in the first 3 months of opening your account. 625 in travel when you book through the Chase Travel Portal. And potentially more value if you transfer points directly to airline and hotel partners, like Hyatt.

11 months. Then, decide if you like the benefits enough to pay the annual fee. Note: This card has an alternate offer of 80,000 Chase Ultimate Rewards points after meeting tiered spending requirements. 20,000 is quite a lot of spending! So this offer is only good for big spenders. If you have a lot of large expenses coming up, The Business Platinum® Card from American Express OPEN is worth considering. That’s a BIG minimum spending requirement in a short amount of time. 25,000 points from minimum spending).

And this is a limited-time offer that expires on August 8, 2018! 1,250 worth of gift cards through the AMEX portal. But they can be much more valuable if you book award travel by transferring points directly to any of the many AMEX airline or hotel partners, like Air France, Delta, JetBlue, and Singapore Airlines.

450 annual fee, which is NOT waived. But the statement credits, airport lounge access, and savings from AMEX Offers can easily offset the fee. 100s per year with savings from AMEX Offers! And you can take advantage of AMEX Offers with lots of the best American Express credit cards! So collecting Southwest points can come in handy! 3,000 on purchases in the first 3 months of account opening. This is the highest sign-up bonus we’ve seen on the card. 99 annual fee, which is NOT waived the first year.

But the bonus points on your card anniversary can help to offset the annual fee. 3,000 on purchases in the first 3 months of account opening. 500 in cash from a card with no annual fee is an AWESOME deal! Primary car rental insurance (CDW) when renting for business purposes, covering damage due to collision or theft to your rental car when you pay with your Chase Ink Business Cash card.

Million Mile Secrets team member Keith has kept this card in his wallet because it has no annual fee. He uses it to earn 5% cash back (5X points) at Staples when shopping for his eBay drop shipping business. Million Mile Secrets team member Scott has kept his Ink Business Cash card for many years because he earns 5X points on his monthly internet bill, and 2X points at restaurants. Those are fantastic benefits for a no-annual-fee card! 3,000 on purchases within the first 3 months.

Many credit cards offer great travel rewards and benefits, and this post reviews the best credit cards from the perspective of traveling to Walt Disney World and Disneyland. For the most part, these same cards will also be good options for travel to any destination in the world-or at least the United States. How many of you are still with us,

We know many people have an intense hatred for credit cards. To be totally blunt, that’s an irrational and misguided hatred. Yes, credit card debt is bad. That does not change the fact that “debt” is not an inherent element of possessing a credit card. Nor does it change the fact that an inherent element of credit cards is rewards and perks. These are irrefutable facts that are not up for debate.

We understand and appreciate that credit cards are not for everyone, but that does not make them inherently bad. 20 credit cards, received tens of thousands of dollars in rewards, and never pay any interest on purchases. Okay, enough on the merits of credit cards. Let’s turn to our methodology for determining which credit cards belong on this list. Factors include annual fees, sign-up bonuses, earning and redemption rates, reward options, redemption difficulty, and ancillary benefits (such as free checked bags).

One factor that is notably omitted is APR. All of the benefits offered by credit cards are outweighed by paying any amount of interest, and that goes for any credit card. While valuable tools if you leverage their benefits and pay off your balance in full each month, credit cards become DANGEROUS WEAPONS OF SELF DESTRUCTION (too preachy, 😉 ) when they carry a balance. Chase Sapphire Reserve Credit Card - This is the new gold standard of travel credit cards.

It became available only a few months ago, and since getting it, this has become our primary credit card for travel purchases. One reason we use this so much is because of its redemption flexibility, as its rewards are not tied to any single airline or hotel chain. Another is that it earns at a higher rate (across the board) than almost any other card.

300 annual credit for travel. 150 is a lot if you don’t travel much. 100 application fee credit for Global Entry or TSA Pre✓, which can make that fee even more palatable. It’s the earning and redemption rates that make this a must-have for any frequent traveler. 1 spent on all other purchases.

Add to that a 50% bonus when you redeem those points for travel through Chase Ultimate Rewards. 1,500. There are several other perks, including no foreign transaction fees and a blackout date/seat waiver. Chase Sapphire Preferred Card - Think of this as the “lite” version of the Chase Sapphire Reserve Credit Card. It has the same upsides in terms of flexibility, but with scaled back earning and redemption rates, and lacks a few of the other perks. 95 one, which is waived for the first year).

Ultimately, we only recommend this for those who travel once per year or less, and even then, you should do the math to make sure the Reserve card is not a better option. 1 spent on everything else. Points are worth 25% more when redeemed through Chase Ultimate Rewards portal; you can also transfer them at a 1:1 rate to several loyalty programs.

January 2017 UPDATE: We’ve noticed that some Walt Disney World resorts are now available for booking through the Chase Ultimate Rewards portal at reasonable rates, which really increases the utility of these cards (especially the Reserve). BankAmericard Travel Rewards Credit Card - Okay, let’s say you want to pay no annual fee at all. This is pretty common sentiment, and we can respect not wanting to spend money on credit cards. However, we would caution against being anti-annual fee before doing the math to see if the benefits (based on your spending habits) don’t offset the fee.

In any case, if this describes you, this card offers a moderately good reward rate, good redemption options, and a decent sign-up bonus. 1 spent. It’s that flat 1.5 rate that makes this card our ultimate recommendation for the “no fee” category. Points can be redeemed as a statement credit for travel purchases.

Click here for some of the best cash back cards. 1,050, which is impressive. But this card has much more going for it than its signup bonus, with bonus categories of 3X on dining and travel and some of the best travel and purchase protections offered by any credit card. The card also comes with Priority Pass membership allowing for unlimited guests flying with you and the ability to redeem Ultimate Rewards at 1.5 cents per point through the Chase travel portal.

150. Chase also has some excellent travel partners that you can transfer your Ultimate Rewards to including: Southwest, Singapore Airlines, British Airways, United, Korean Air, Flying Blue, and Virgin Atlantic. You can click HERE to learn more about this card and compare it others. You can fly in Singapore Suites by transferring your Chase Ultimate Rewards transfer to Singapore Airlines.

The changes to The Platinum Card® from American Express in March 2017 greatly changed the value proposition of this card. 200 in Uber credits and a sleek new metal design. 150, which is fantastic considering the benefits listed above. American Express has arguably better transfer partners than Chase. With American Express, you can transfer Membership Rewards to airlines like ANA, Aeroplan, Cathay Pacific Asia Miles, British Airways/Iberia, Flying Blue, Delta, JetBlue, Etihad, Emirates, and several others. These partners give you maximum flexibility across several alliances and partnerships making it much easier to find good rewards to use your points on.

With all of these perks the Amex Platinum is easily one of the top travel credit cards. You can click HERE to learn more about this card and compare it others. 1,155 worth of value. It earns 2X on a broad travel category and 2X on dining and also offers primary rental car insurance.

Depending on your level of spend on these categories, the Sapphire Reserve might be a better option but you can read this article to find out if that’s the case. 450 for the Reserve is just asking too much, regardless of the potential return in value, and so the Sapphire Preferred is often the more practical option.

If you’re averse to high annual fees but want a solid travel credit card, this card might be perfect for you. You can click HERE to learn more about this card and compare it others. 7,500. While the Prestige does not currently offer a sign-up bonus, the Premier is often the more practical option to turn to since it has a lower annual fee and lower spending requirements.

If you’re planning on applying for the Citi Premier be sure to read up on Citi’s application rules since you’ll be limited to one Citi ThankYou bonus per 24 months. Read more about this credit card here. While we have seen 60,000 point offers for all cards at once before, the 40,000 point offers are still decent, since it puts you closer to hitting the 110,000 points needed to hit the Southwest Companion Pass.

That pass will allow you and a companion can fly around on Southwest for the next two calendar years while only paying for one ticket (and the taxes/fees on the other). Since Southwest will be flying to Hawaii in 2019 (and possibly late 2018), you might be able to use your Companion Pass to get to paradise.

You can click HERE and HERE to learn more about these cards and compare them to others. The Hilton Honors Aspire Card is loaded with benefits and comes with a valuable welcome offer. The welcome offer is essentially worth 195,000 Honors points with the free night certificate it comes with, which is more than enough to cover two nights at even the most expensive Hilton properties. If you have any planned stays at Hilton properties, especially any Hilton resorts then this card should get your attention. 500), you can actually make a profit on this card.

Since the card also give you Hilton Diamond status, this card, Priority Pass, and an annual free night certificate, this is one of the most valuable credit cards. Read on here to find out more about the Hilton Aspire. This is a new premium credit card that just launched in May 2017 and there are a couple of things that make this card instantly attractive and worthy of being considered on of the top travel credit cards this month.