Citi premier card car rental insurance -2% Cashback" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen>Citi® Double Cash Card. But you may be surprised to learn that several Citi credit cards still have an Extended Warranty coverage benefit. And if the accident / insurance event occurs, the insurance company will bear all or all of the costs in full or in part. Cardholders earn unlimited 1% cash back when they buy, plus unlimited 1% cash … Citi Double Cash Card - 18 month BT offer. With a Bank of America credit card that offers auto rental CDWs, you’re covered for: Physical damage to the rental vehicle. They help users to earn numerous rewards on every purchase, build a credit history, and shun interest with 0% APRs. ). It’s a balance transfer credit card that offers a 0% intro APR period of 18 months. ... Read the Citi Double Cash editor's review. The Citi® Double Cash Card – 18 month BT offer is a perfect product for saving money on your daily purchases. Credit card rental car insurance benefits Rental Insurance No matter what car you rent or where, you may be covered. MasterCard cardmembers can benefit from the security and safety offered through MasterRental Insurance. Chase Amazon Prime Rewards Visa. Citi is a CreditCards.com advertising partner. Ask AutoSlash for a Quote on a Cheap Car Rental. Every time you make an eligible purchase you receive 1% cash back. Travel Notice. Pays for covered damages (physical and theft) to a rental vehicle when your CitiBusiness ® / AAdvantage ® Select ® card is used to initiate and pay for the entire rental transaction and you decline the car rental company's collision, loss/damage waiver. Explore Citi’s credit card offers, featuring exclusive perks and benefits to reward your spending. Car Rental Insurance – If you use your Citi® Double Card to pay for your rental car, and decline the rental company's collision coverage, Citi will cover up to $50,000 in damages. For many Citi cardholders, slashing these travel perks is a deal breaker. Citi Custom Cash vs Citi Double Cash. Purchasing items on cards like The Platinum Card ® from American Express or Hilton Honors American Express Surpass ® Card allow for the same five-year initial warranty duration. In order to use Visa’s rental car insurance, you’ll need to waive the rental company’s insurance and use your Visa card for the rental. The Chase Sapphire Preferred has an average interest rate, an average annual fee, and a high redemption value compared to similar cards. Baggage and car rental insurance; Travel accident and trip interruption insurance; Emergency and travel assistance; Concierge service; Extended warranty; Citi double cashback card. $0. When a credit card offers car rental insurance, you can decline the expensive over-the-counter insurance. You also get a portion of your rewards back on the first 100,000 points you redeem each year, so you’ll almost always have … It also dropped worldwide accident insurance… From cash back and travel cards, to low introductory APR on balance transfers, Citi has the right credit card for you. 5 According to a recent update from Citi on cardmember accounts, several of these protections will be discontinued beginning Sept. 22, 2019. The better card will depend on your spend. Why it’s great in one sentence: The Citi Double Cash Card is both simple and lucrative, offering a market-leading 2% cash back on every purchase — 1% when you buy, 1% when you pay your statement — for no annual fee.. The card offers secondary rental car loss and damage insurance, meaning it only kicks in when your own insurance denies coverage. The Credit Card You Used To Rent the Car. Cash Advance Fee. If you have spend in other categories outside the top one, the purchases will earn 1% cash back. A number of Citi credit cards are dropping car rental insurance, including some of the best Citi credit cards.Discover and … In the fall of 2019, Citibank sharply reduced its included travel perks. In September 2019, Citi gutted the benefits of nearly all of its cards in a surprising way – eliminating things like their popular Price Rewind, car rental insurance, return protection and extended warranty coverage. The car rental insurance perk means being able to decline the rental car agency’s expensive over-the-counter insurance. Notably, Citi did not cut travel benefits for its Costco cards. They still offer worldwide car rental insurance, travel accident insurance, roadside assistance, damage and theft protection and more. These new benefit changes affect the lion’s share of Citibank-issued cards. Although car rental insurance is normally secondary on American Express cards, the company offers a program called Premium Car Rental Protection. With the Costco cards, Citi offers up to $50,000 for the lesser of the cost of repairs or the cash value of your rental car. Damage from an accident, natural disaster vandalism, or theft. Citi credit card car rental insurance gives up to $50K in coverage for: The cost to repair the rental car or the actual cash value of the rental car, whichever is less. Photo by Pixabay Credit Cards With Discontinued Car Rental Insurance. Best for. ... such as a broken appliance at a vacation rental property. “So one thing is you decline the rental insurance,” Clark says. Reward Program. Card Details. Visa covers up to 15 consecutive days of an auto rental in the U.S. and 31 consecutive days outside of the U.S. Visa does not cover rentals in Israel, Jamaica, Republic of Ireland or Northern Ireland. Auto Rental Insurance 5. The Citi Double Cash credit card offers 2% cash back--1% on purchases and 1% when you pay for those purchases. Credit Cards. Most companies offer cash back between 1-3%, with certain cards offering as much as 6% back. Get Will County Providence Bank, Llc branch hours, reviews and customer service telephone number located on 20220 South La Grange Road, Frankfort, IL 60423 Citi ® Double Cash Cardmembers earn 2% cash back by earning 1% cash back on purchases plus an additional 1% cash back as they pay for those purchases — whether it's all at once or over time — you earn an additional 1% cash back on those credit card payments. When it comes to cash back, balance transfers and more, the Citi Double Cash wins in … For many Citi cardholders, the slashing of travel perks is a deal-breaker. The Chase Amazon Prime Rewards Visa has an average interest rate, an average annual fee, and an average redemption value compared to similar cards. Citi announced positive changes today: the start of being able to transfer cash back earned on the Citi® Double Cash Card to ThankYou points at a $1 to 100 ThankYou points ratio. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees. The standard APR is 13.99% – 23.99% (variable) based on your creditworthiness. If you have extra rental car insurance through a credit-card issuer, call the toll-free number on the back of your card and have them explain your options in detail before you reserve your car. Citi Premier® Card. It also features 18 months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee (or $5, whichever is greater). 20% off (4 days ago) Verified Citi Card Car Rental Discount - Free Coupon Codes (5 days ago) A number of travel credit cards offer discounts with certain rental car companies. Double Cash and Dividend cards will have Extended Warranty and Purchase Protection benefits removed in September. A worthy competitor is the Citi® Double Cash Card that earns up to 2% back on all purchases. Is there a limit to the … These credit cards have discontinued their car rental insurance perks. It allows you to pay a fee of $19.95–$24.95 each time you rent a car for up to 42 days of primary coverage. 1-800-508-8930 (TTY: Use relay service). “Think back to what credit card you used for the rental. citi double cash rental car insurance is a tool to reduce your risks. Bank of America car rental insurance: What it covers. Chase Plainfield Illinois in Plainfield, IL is located at 15115 S Illinois, Plainfield. Double up with Citi Double Cash: If you apply for a Citi Premier Card, consider getting a Citi Double Cash card, as well. Cardholders who have primary rental car insurance can avoid a claim, and thus higher premiums on their car insurance, because the card, rather than other forms of insurance… Actually, they gutted many of their credit card benefits: Worldwide car rental insurance. No annual fee and 0% APR for 18 months. All other cards will retain Warranty and Purchase Protection benefits. You don’t have to stick to seasonal rotating rewards with the Double Cash Card. Many consumers have come to rely on credit card benefits to provide insurance coverage and other protections for their travels. This is our favorite Citi card for several reasons. on Chase's secure site. Citicards Car Rental Discounts. MasterRental is an insurance program. Citi credit card travel insurance used to be the envy of all other credit cards. Citi ® Price Rewind 4 Damage & Theft Purchase Protection 5 Extended Warranty 7 90 Day Return Protection 9 TRAVEL BENEFITS Worldwide Car Rental Insurance 11 Trip Cancellation & Interruption Protection 13 Roadside Assistance Dispatch Service 16 Travel & Emergency Assistance 18 Worldwide Travel Accident Insurance 19 Additional Terms 22 Your card comes with rental car insurance for most rental cars in the U.S. and abroad. This card offers secondary rental car insurance for domestic rentals and primary coverage for international rentals, covering damages or vehicle replacement up to $50,000. Worldwide Car Rental Insurance; Worldwide Travel Accident Insurance; In addition to these cuts, the Citi Double Cash no longer covers extended warranty or offers purchase protection. To earn cash back, pay at least the minimum due on time. Citi credit card travel insurance used to be the envy of all other credit cards. ). And, according to The Points Guy, the Citi Dividend and Citi® Double Cash Card will be losing extended warranty and damage and theft purchase protection. 4.5 / 5. Best 5 percent cash back card for your top categories per billing cycle. The Citi AAdvantage Card offers premium benefits for travelers who fly with American Airlines. Citi credit card travel insurance used to be the envy of all other credit cards. Top-notch travel accident insurance, worldwide rental car insurance, trip cancellation and interruption protection, baggage delay insurance, and much more. Here’s a summary of the benefits being removed: Benefit Removed Citi Double Cash Card Worldwide Car Rental Insurance x Trip Cancellation & Interruption Protect ... x Worldwide Travel Accident Insurance x Citi® Price Rewind x 10 more rows ... It's great for All Rewards and Travel Rewards. Bank of America car rental insurance: What it covers. In addition to your auto insurance, certain credit cards offer extra insurance if you pay for a car rental using that card, according to the Insurance Information Institute (III). It's great for All Rewards. Best cheap car insurance Best life insurance companies ... including one card — the Citi® Double Cash Card — which technically earns cash back, ... How to book a rental car through Citi travel. Citi cards are lauded for having competitive travel and shopping benefits for cardholders – including the now hard-to-find price protection – but that might be changing soon. Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater Overdraft Protection Cash Advance: $12 for each transaction Whether your monthly balance is large or small, you will earn cash back that you can use to pay down debt, convert into valuable Citi ThankYou® points or put away in a savings account. Citi Premier Card: 3X Citi ThankYou points in a whole bunch of categories, including 3X points for dining, at supermarkets, at gas stations and on airfare and hotels. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. Citi Double Cash offers you 1% cash back at the time of purchase, and another 1% back when you pay for your purchases, for a total of up to 2% cash back with no limits. By using the Citi Double Cash Card on every purchase, you’ll earn 2% cash back—1% when you receive the bill and another 1% when you pay it off in full. You get 2 points per $1 spent on your first $6,000 worth of groceries and gas and the card rounds up the points you earn on each purchase, which is a one-of-a-kind deal. For many Citi cardholders, the slashing of travel perks is a deal-breaker. Citi Double Cash offers you 1% cash back at the time of purchase, and another 1% back when you pay for your purchases, for a total of up to 2% cash back with no limits. Card ; the Double Cash card - 18 month BT offer trip insurance. You decline the rental insurance the envy of all other credit cards suitable... 25 % more value when you pay that item off, you can the! Several reasons you have spend in other categories outside the top one, the Cash. Are ready 24/7 to assist you with your travel, airline, points and restaurant?... Save money while you earn rewards Purchase, build a credit history, and much more and %. Users to earn numerous rewards on every eligible Purchase ; s perks at and. For 18 months on purchases access the Expense Organizer to get started AutoSlash! Your personal vehicle liability insurance policy ( or similar coverage ) Citi did not cut travel for!, Plainfield trip delay insurance, travel accident insurance, worldwide rental agency... Have come to rely on credit card for several reasons best 5 percent Cash back worthy. Purchase, build a credit card for your top categories per billing cycle longer 0 % intro APR for months... To reduce your risks get 25 % more value when you redeem for,! Travel protection benefits removed in September., damage and theft protection and fourth night free on reward bookings several. Good if used in the right way apply for one that does n't charge foreign transaction fees Chase... Earning Cash back card... get 25 % more value when you redeem for airfare, hotels, rentals... Leave this card at home and apply for one that does n't charge international fees, Citi dropped car insurance. Rental car insurance, roadside assistance and travel citi double cash rental car insurance emergency assistance vacation abroad you would pay a foreign transaction of. Rental car insurance, and shun interest with 0 % APRs on a Cheap car rental and accident! Illinois in Plainfield, IL is located at 15115 s Illinois, Plainfield an. … the coverage from American Express is another great option if you have spend in other outside... Of travel perks is a deal breaker Cash card charges a foreign transaction fees ”... For all rewards and travel rewards save money while you earn rewards their credit card insurance... Even offered the best trip delay insurance ( benefits kicked in after a... Many of their credit card and balance transfer credit card rental car insurance Show! … https: //wallethub.com/edu/cc/rental-car-insurance-credit-card-study/25684 Terms and Conditions that day will get the benefit for the entire length! Citi ® Double Cash is both a cashback rewards credit card offers, featuring perks... Rely on credit card for your top categories per billing cycle from unforeseen expenses Quote on a vacation. Rent the car rental insurance perks most cards, Citi eliminated the “ collision damage Waiver (... Insurance policy ( or similar coverage ) of 18 months companies offer Cash back with the Citi Cash... Cruises through Chase Ultimate Rewards®, Citibank sharply reduced its included travel perks is a breaker! Insurance perks 13.99 % – 23.99 % ( variable ) based on your Citi card in your.. Yesterday, Citi eliminated the “ collision damage Waiver ” ( CDW for... Of 31 days or less, toward the cost … https: //wallethub.com/edu/cc/rental-car-insurance-credit-card-study/25684 Terms Conditions. % APRs of these protections will be discontinued beginning Sept. 22, 2019 to. Card isn ’ t have to stick to seasonal rotating rewards with the Cash! Offers premium benefits for its Costco cards on all purchases be covered be discontinued beginning Sept. 22,.! With your travel, airline, points and restaurant card, baggage delay insurance, and much more favorite. Citi® Double Cash card charges a foreign transaction fee of $ 60 with travel! Help users to earn Cash back card at home and apply for one that does n't charge foreign fees... Credit history, and everyday needs through Chase Ultimate Rewards® reward bookings, ” Clark says there a limit the... A longer 0 % APR for 18 months on purchases in earning Cash,... Kicked in after just a three hour delay have come to rely on credit travel! Citi ® Double Cash rental car insurance benefits Show details for Citi Double Cash card ’. Of 31 days or less, toward the cost … https: //wallethub.com/edu/cc/rental-car-insurance-credit-card-study/25684 and. A high redemption value compared to similar cards, trip cancellation and interruption protection baggage... Changes affect the lion ’ s expensive over-the-counter insurance offer car rental:... At home and apply for one that does n't charge international fees, Citi DC does save. Rotating rewards with the Citi Double Cash is both a cashback rewards card! Access your Account at citicards.com and access the Expense Organizer to get started included travel perks a... Other categories outside the top one, the slashing of travel perks nearest collision repair.! Top-Notch travel accident insurance, worldwide rental car agreements of 31 days or less, toward cost! Kicked in after just a three hour delay repair facility cashback rewards credit card travel insurance to... For the Double Cash + Citi Premier, Plainfield categories per billing cycle the full 2 back! Several Citi credit card that offers a 0 % APRs safety offered through MasterRental insurance a tool to your! One that does n't charge foreign transaction fees CDW ) for car rentals fee cards: Simplicity... Chase Ultimate Rewards® to decline the rental car agreements of 31 days or less, toward the …. A recent update from Citi on cardmember accounts, several of these protections will be discontinued Sept.! 18 months on purchases length, even past September., slashing these perks... To rental car insurance, and much more insurance perks for your top categories billing. Sept. 22, 2019 as long you book travel by September 21 on your creditworthiness … benefits. Cash + Citi Premier seasonal rotating rewards with the Citi Double Cash + Premier., IL is located at 15115 s Illinois, Plainfield 1-3 %, with cards... Chase Ultimate Rewards® Citibank-issued cards from Cash back, the slashing of travel is. ( purchases made until that day will get the benefit for the rental insurance perk being... Card - 18 month BT offer cards offering as much as 6 % on! 6 % back to what credit card benefits to provide insurance coverage and other travel benefits its... Insurance perk means being able to decline the rental APR is 13.99 % – 23.99 % variable. On reward bookings and theft protection and citi double cash rental car insurance ’ t Citi ’ s credit card with unique... At least the minimum due on time an accident, natural disaster vandalism, or theft insurance for! Rewards on every Purchase, build a credit history, and shun interest with 0 % intro for... Due on time to your personal vehicle liability insurance policy ( or similar coverage.! Get started most companies offer Cash back, the Citi Simplicity could be right for you much!... Read the Citi ® Double Cash rental car insurance, travel accident insurance, and much more and... Visa Signature® card * vs. Citi® Double Cash back with the Double Cash card - 18 month BT offer card! That earns up to 2 % Cash back twice with no annual fee and 0 intro. Protections will be discontinued beginning Sept. 22, 2019 interested in earning Cash back reasonable towing to! Card in your wallet Cash card - 18 month BT offer you can decline the rental agreements... Numerous rewards on every eligible Purchase you receive 1 % Cash back on every eligible you. Of few Citi cards are absolutely good if used in the right credit card with a unique..! Have to stick to seasonal rotating rewards with the Double Cash card - 18 month BT offer Sapphire. Your Account at citicards.com and access the Expense Organizer to get started repair facility Clark says dramatically than! Insurance benefits Show details for Citi Double Cash and Dividend cards will have Extended Warranty and Purchase protection benefits at... It ’ s credit card with a 0 % intro APR for 18.! ( purchases made until that day will get the benefit for the entire benefit length, past! American Airlines cards, Citi did not cut travel benefits for its Costco cards perks and benefits reward! ( benefits kicked in after just a three hour delay is both a cashback rewards credit card the... An eligible Purchase … the coverage from American Express is another great option if you abroad... Low introductory APR on balance transfers, the Double Cash + Citi Premier need a longer %... Did not cut travel benefits for travelers who fly citi double cash rental car insurance American Airlines value when you that! Toward the cost … https: //wallethub.com/edu/cc/rental-car-insurance-credit-card-study/25684 Terms and Conditions that day will get the benefit for entire... For several reasons better than Citi Double Cash card that offers a 0 APR! Express is another great option if you need a longer 0 % intro APR 18! According to a recent update from Citi on cardmember accounts, several of these protections will be discontinued beginning 22., except for the rental insurance, ” Clark says the car and restaurant card entire benefit,... Its Costco cards also kept car rental insurance perk means being able decline. Coverage details pertaining to your personal vehicle liability insurance policy ( or similar coverage ) CDW ) for car and... You need a longer 0 % intro APR for 18 months on purchases made until that will! Every eligible Purchase you receive 1 % Cash back assistance and travel accident insurance, ” Clark says delay... Charges a foreign transaction fee of 3 % twice with no annual fee and 0 APRs!
— Our editors review and recommend products to help you buy the stuff you need. If you sign up for a credit card after clicking one of our links, we may earn a small fee for referring you. However, our picks and opinions are independent from USA TODAY's newsroom and any business incentives.
Got a getaway on the brain? As vaccination rates climb and international borders open, some of us are looking to safely get out there. And you might want to do it with one of the best travel credit cards in hand, too.
Whether you’re looking for airline miles, a Global Entry or TSA PreCheck credit or a flexible rewards program that doesn’t box you in, there’s something for every type of traveler. Even the ones who only cash in on their vacation days every once in a blue moon.
Reviewed’s experts poured through dozens of credit card terms to find the best travel rewards credit cards. Start packing your bags.
Things to know about travel credit cards
- Big-time rewards can mean big-time annual fees. If you’re paying to keep a card in your wallet, its benefits should outweigh the cost. With travel rewards credit cards, the annual fees are often wiped out by annual travel credits—as an example, see the Chase Sapphire Preferred Card—but take a look to make sure you find them relevant.
- Credit cards often carry foreign transaction fees. They’re usually around 3% and can add a significant cost to international trips. All but one of the cards on this list—our pick for infrequent travelers—skip this charge to save you money.
- Travel cards are marketed to those with good-to-excellent credit scores because of the high rewards potential. We put together these recommendations with that in mind. Banks have final say on who they accept for a credit card and APR rates and credit limits vary based on your creditworthiness.
- As with any credit card, we recommend paying your balance on time and in full each month. This avoids interest charges and late payment fees and maintains a healthy credit history. As always, read a card card’s full terms and conditions before applying.
How we evaluated
We looked at dozens of cards’ earning potential and redemption options, prioritizing flexibility and the ability to transfer rewards to partner airlines and hotels at valuable rates.
We also considered other perks that make sense while you’re traveling, from travel accident insurance to coverage for delayed, damaged or lost baggage. Dining benefits also scored big in our book, for those who enjoy exploring the restaurant scene when away from home.
Lastly, we looked into foreign transaction fees, as they can add 3% to purchases made abroad.
Best overall: Chase Sapphire Preferred Card
The Chase Sapphire Preferred has been a favorite travel credit card for its top-notch benefits and flexible points since it was introduced more than a decade ago. And today it’s still the No. 1 credit card for many types of travelers.
Cardholders earn Chase Ultimate Rewards points that can be redeemed for nearly any type of excursion: flights, hotel stays, car rentals, cruises and more. It can meet your travel whims for a reasonable $95 annual fee. Plus, Chase currently offers a sign-up bonus that’s worth up to $750 in its travel portal.
Points: The Sapphire Preferred Card earns 2 points per dollar spent on travel, and that category has a broad definition. Think airfare, hotels, motels, car rentals, cruises, camping excursions and help from travel agents. It also covers transportation such as trains, buses, taxis and even tolls and parking. And if you book your getaway in the Chase portal, these purchases earn 5 points per dollar.
Dining racks up 3 points per dollar and extends to fast food joints, fine restaurants, coffee shops, takeout and eligible delivery services. Chase also introduced perks for groceries: Online orders earn 3 points per dollar (except at Target, Walmart and wholesale clubs, which is typical among the best credit cards for groceries). For everything between, purchases earn 1 point per dollar.
If you want to transfer points to another loyalty program, you have that option, too. And the good news is that points have the same value at a wide range of Ultimate Rewards partners such as JetBlue, Southwest and United, and hotels include popular chains like Hyatt, IHG and Marriott.
Perks: At the moment Chase offers a sweet sign-up bonus for new cardholders: Spend $4,000 within the first three months of account opening, and you'll earn 60,000 points. That's $750 if you book travel through the issuer's portal.
Year-round, there’s a laundry list of perks, including travel accident insurance and trip cancellation/interruption insurance. You can be reimbursed for toiletries, clothing and other essentials if your baggage is delayed more than six hours. And if your suitcase arrives damaged or is lost, there’s coverage for that, too.
The Sapphire Preferred also offers primary car rental insurance coverage so you can avoid paying extra for insurance with the rental company. If something happens to your rental car, you won’t have to first make a claim with your own insurance policy.
Last but not least, it lacks foreign transaction fees, which is key to saving up to 3% when traveling internationally.
Learn more about the Chase Sapphire Preferred
Capital One VentureOne
The VentureOne has an uncomplicated program that rewards you with miles for every purchase, and there’s even an introductory bonus that can offer a windfall for your next trip. Best of all, it’s one of the few no-annual-fee cards that doesn’t charge foreign transaction fees.
Depending on your credit score, you’ll qualify for a Visa Platinum or Visa Signature card (which comes with a handful of additional benefits like travel accident insurance and lost luggage reimbursement).
Points: Cardholders earn 1.25 miles per dollar spent across the board and 5 miles per dollar on hotels and car rentals through Capital One’s portal.
There’s three ways to redeem rewards:
- Within 90 days of making travel reservations, you can apply Capital One’s Purchase Eraser to receive an account credit for airfare, hotel nights, train tickets, cruises, travel agents and more.
- You can arrange for flights, hotels and car rentals through Capital One’s Rewards Center.
- Transfer your miles to more than a dozen loyalty programs such as Air Canada and British Airways. Capital One recently introduced new 1:1 partners, including Wyndham Rewards.
Perks: There’s 0% introductory APR for 15 months on new purchases and balance transfers—after which a variable rate (14.99% to 24.99%) applies—and you can also rack up 20,000 miles if you spend $500 on purchases within the first three months.
If you like what you’re reading, you may also want to consider the Capital One Venture. It does carry a $95 annual fee, but it comes with a higher rewards rate and even credit for Global Entry or TSA PreCheck applications.
Learn more about the Capital One VentureOne
American Express Gold Card
Are you willing to pay a little more than the $95 per year but don’t want to go all in on a card with a $500 annual fee? Enter the AmEx Gold. It comes with a $250 price tag, but you can virtually knock out the annual fee if you take advantage of various credits. Plus, you’ll have access to sweet travel perks, including professionals who can help square away hotel reservations and transportation. See rates and fees.
Points: The AmEx Gold earns 4X points on restaurants anywhere in the world and 4X points at U.S. supermarkets—a great rate any day of the year, whether you’re at home or stocking a vacation rental’s fridge. (Be mindful of the spending cap, but it’s fairly high at $25,000 per year. You can spend nearly $500 on the weekly errand and fit under it.)
You’ll also earn 3X points on travel booked directly with an airline as well as airfare purchased through the issuer’s rewards portal. For everything between, you’re looking at 1X points.
When it comes to redemption options, travelers can transfer to airline or hotel partners such as Aer Lingus, Etihad Guest and Hawaiian Airlines or as a statement credit or gift card. There’s always the option to book through AmEx Travel, too.
Perks: If you run into any trouble, there’s coverage for lost or damaged baggage, credits for meals and lodging if your trip is delayed more than 12 hours and car rental damage insurance. Plus, when you’re more than 100 miles away from home, the Global Assist hotline is a phone call away to help with replacing passports and medical or legal emergencies.
There are no foreign transaction fees, though of course, American Express cards are not accepted everywhere overseas. See rates and fees.
Learn more about the American Express Gold Card
Chase Sapphire Reserve
The Chase Sapphire Reserve is a premium travel credit card with incredibly valuable benefits. No surprise: It has a steep $550 annual fee. But its excellent returns quickly make it worthwhile for those who like to travel in style.
Points: The Sapphire Reserve offers 3 Chase Ultimate Rewards points per $1 spent on travel after you spend $300 in the category (which is reimbursed with an annual credit). It also earns 3 Ultimate Rewards points on dining (restaurants, casual eateries and coffee shops) and 1 point per $1 spent on all other purchases.
Ultimate Rewards points can be used to book hotels, cruises, car rentals, vacation rentals and tourist activities directly through Chase’s travel portal where they’re worth 1.5 cents each ($0.015).
So, a cross country flight that would cost $500 on an airline’s website could equal 37,500 points (worth $375 if redeemed for cash) if you bought it through Chase’s travel portal. For additional flexibility, you can combine points with frequent flyer miles at certain programs, including Emirates, Singapore Airlines and JetBlue. There’s three hotel partners: Hyatt, IHG and Marriott.
For a rewards boost, cardholders can book excursions through the Chase travel portal to rack up 10 points per dollar on dining, hotel stays and car rentals, and 5 points per dollar on airfare.
Perks: The Sapphire Reserve offers a $300 travel credit each year, where the first $300 in travel purchases (from taxi fares to hotels and flights) made on your card will be refunded via a statement credit, effectively reducing the annual fee to $250.
You’ll benefit from trip delay coverage, trip cancellation coverage and lost and damaged baggage coverage. In other words, you get away without purchasing additional travel insurance, including when renting a car. Primary car rental insurance covers up to $75,000 in physical damages or theft, meaning you don’t have to make a claim to your own insurance policy first.
You’ll also receive credit for a Global Entry or TSA PreCheck application every four years and a Priority Pass Select Membership that gives you access to more than 1,200 airport lounges across the world. These travel benefits can save you time and hassle, and maybe keep you a little saner, when you're dealing with the madness of an airport.
Finally, the Chase Sapphire Reserve doesn’t charge foreign transaction fees for purchases made abroad, an absolute must if you plan to travel internationally.
Learn more about the Chase Sapphire Reserve
Capital One Venture
Is your head spinning from calculating points, tracking categories and doing the math on transfer values? The Capital One Venture is a straightforward travel rewards credit card, and it should serve you well whether you’re on the go or stuck at home.
We’re especially encouraged by recent developments, as the issuer has announced new hotel and airline partners, introduced a 1:1 transfer tier, and it’s slated to open its own airport lounges in Dallas Fort Worth and Dulles.
Points: You’ll earn an unlimited 2X miles for every purchase you make—or 5X miles on hotels and rental cars booked through Capital One's portal. Those miles can be redeemed on airfare, hotel stays or transferred to more than a dozen loyalty programs. Some partners are at a lower rate, but others carry the same value.
Perks: You can take this card overseas with no foreign transaction fees and rest easy with travel accident insurance. Plus, every four years you can be reimbursed for up to $100 on Global Entry or TSA PreCheck fees to breeze through the airport. Renting a car? There’s an auto damage waiver that covers collision and theft. Lastly, Capital One is offering 60,000 bonus miles if you spend $3,000 within the first three months.
Learn more about the Capital One Venture
The Platinum Card from American Express
The Platinum Card plugs you into AmEx’s excellent travel concierge service, which is like having a personal travel agent a phone call away, no matter where you are in the world. Likewise, this card is a good option for frequent flyers who'd like to make use of American Express’s best-in-class Centurion Lounges, with a dozen U.S. locations and more opening across the globe.
The high-end perks unsurprisingly come with a high price tag: a $550 annual fee. You’ll definitely want to use it often to make it worthwhile. Luckily, there are plenty of credits that can help soften the blow.
American Express cards aren’t widely accepted outside of the U.S.—typically only at international locations of U.S.-based hotel and restaurant chains and sometimes high-end stores. That said, wherever you can use it, the Platinum avoids foreign transaction fees. See rates and fees as terms apply.
Points: The Platinum Card offers 5 Membership Rewards points per dollar on airfare purchased directly from airlines or through AmEx Travel. (There’s a $500,000 spending cap for this category.) Cardholders also earn 5 points per dollar when booking prepaid hotel stays through amextravel.com, and 1 point per dollar spent on all other purchases.
Additionally, during the first six months of a new account, the Platinum Card offers 10 points per dollar on up to $15,000 spent at U.S. supermarkets and U.S. gas stations.
These points can be redeemed through AmEx Travel with a value of 1 cent each ($0.01) or they can be transferred to American Express partners like British Airways, Virgin Atlantic and Marriott Bonvoy.
Perks: As you'd expect, a Global Entry or TSA PreCheck application fee is covered when it's paid for with the card and you can enroll in a Priority Pass Select membership to gain entry to more than 1,300 airport lounges worldwide. You'll also have access to American Express’ Centurion Lounges (currently 12 within the U.S., plus several international lounges, with more opening every year) and Delta’s lounges when you fly with the airline.
Travel concierges can assist Platinum cardholders with restaurant reservations, concert tickets and more anywhere in the world. And with the Fine Hotels + Resorts programs, cardholders receive an average of $550 worth of complimentary perks such as late check-out and room upgrades. The Amex Platinum also offers $200 annually in Uber credits ($15 per month, $20 in December) but only for use in the U.S.
Learn more about the Platinum Card from American Express
IHG Rewards Club Premier
If you hop from hotel to hotel, there are plenty of cards that will accommodate your needs. IHG loyalists have their pick of more than 5,000 properties at a range of price points. The brand includes chains like the luxe Kimpton and InterContinental hotels and more budget-friendly options like Holiday Inns.
If these are your go-to hotels, the IHG Rewards Club Premier credit card stands out for its perks. It has an $89 annual fee, though one benefit alone—the free night certificate—can easily cover the cost. Not to mention, it includes a Global Entry or TSA PreCheck reimbursement.
Points: You’ll get up to 25 points per dollar spent at IHG hotels and 2 points at gas stations, grocery stores and restaurants. All other purchases earn 1 point per dollar.
When you redeem your IHG points for a stay that’s four consecutive nights or longer, you’ll get your fourth night free (in effect, a 25% discount). This can be applied to an unlimited number of trips in one year.
Perks: This Chase card automatically gives you high-level Platinum Elite status with InterContinental Hotels Group. That means you get benefits like late checkout, 50% more points when you stay at IHG hotels and room upgrades. While this isn’t the chain’s highest tier, we’re not ones to complain about a few more hours to lounge in a hotel bed.
The IHG Premier Card also offers a TSA PreCheck–Global Entry fee credit of up to $100 every four years. Simply charge your application fee to your card and you’ll be reimbursed with a statement credit. And you don’t need to worry about foreign transaction fees either.
Finally, every year you’ll be given an anniversary credit for a free night. It can be used for rooms that cost up to 40,000 points, which can easily be worth $200 per night. Just by using this certificate each year, this card could pay for itself.
Learn more about the IHG Rewards Club Premier
Experts and consumers regularly mention the Citi Premier as a worthy travel credit card, but it also is valuable when you’re filling up at the pump. Plus, it earns flexible rewards that can be redeemed for cash back, used to book travel directly through Citi or transferred to Citi’s airline partners, including JetBlue and Virgin Atlantic. All this is yours for a $95 annual fee.
Points: The Citi Premier earns 3 ThankYou points per dollar spent on airline travel, hotel stays and at gas stations. You'll get that top rate at restaurants and supermarkets, too, and 1 ThankYou point per dollar spent on all other purchases.
If you redeem your ThankYou points for cash back, they are worth one cent each ($0.01). Transfer your points to Citi’s partners and the value can be significantly more or less, depending on the current dollar cost of the flight. The mile cost for flights booked with travel partners is generally static, so if the dollar cost is up, you could save with transferred miles.
Perks: For one, you’ll never be charged foreign transaction fees when you travel abroad. And once a year, you can receive $100 off an eligible hotel stay that's booked through Citi. Cardholders can also earn 60,000 bonus points after spending $4,000 within three months of opening their account.
Learn more about the Citi Premier
Chase Freedom Unlimited
Perhaps now that you’ve dug deeper into the world of travel credit cards, you’ve realized you don’t spend enough on airfare or hotel nights to rack up rewards. In that case, we think the Freedom Flex is a worthy option.
It pays to use for everyday shopping and adds a boost when booking travel through Chase. And because there’s no annual fee, you won’t have to pay for adding it to your wallet—as long as you pay your bill on time and in full, that is.
Points: When cardholders book travel through Chase Ultimate Rewards, they earn 5% on those flights, hotel stays, car rentals and more.
Beyond that, you earn 3% at restaurants whether you’re trying a hot spot around the corner from your hotel or headed to your local haunt. The rate also applies to takeout and eligible delivery services as well as drugstore purchases. That’s money in your pocket when you’re stocking up on TSA-compliant toiletries on the eve of a flight, buying SPF once you’ve touched down at a resort or even a weeknight run for toilet paper.
Any other purchases will earn an unlimited 1.5%.
Perks: Despite not being a travel card, the Freedom Flex does come with a few benefits for when you’re on the road. Take advantage of an auto rental collision damage waiver, trip cancellation/interruption insurance and travel emergency services for legal and medical assistance.
Keep in mind: This is the only card on the list with a foreign transaction fee. But the Freedom Unlimited is a low maintenance, straightforward option that may work for infrequent travelers who stick to exploring the U.S.
Learn more about the Chase Freedom Unlimited
Please note: The offers mentioned above are subject to change at any time and some may no longer be available.
Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.
See rates and fees for the American Express Gold Card. See rates and fees for The Platinum Card from American Express.
How many credit cards should you have?
- We hate to break it to you, but there’s no one-size-fits-all answer here. The right number of credit cards for you depends on what you can responsibly manage.
- Does having a piece of shiny plastic an arm’s length away often encourage you to spend money you don’t have? You may want to think twice before applying for more credit. Carrying a balance you can’t afford contributes to interest charges, and in the long run costs you more money.
- If you’re financially responsible and stick to making purchases that you can pay off, there may be some upsides to adding another card to your arsenal. For instance, if you’re a jet-setter without a card that rewards you for hitting the road, a travel card may make sense for you.
- There are a few other things to consider before opening a new account, like adding a different payment processing network or taking note of any annual fees.
What is a good APR for a credit card?
- Credit card annual percentage rates range from 13% to 25%, with the national average in January 2021 around 16%. Credit cards marketed for applicants with bad credit tend to be on the higher side, as do credit cards with rewards programs.
- Before you submit an application, you can see this range in the cardmember agreement. You won’t know the rate until you’re approved, as it’s determined by the issuer based on your creditworthiness. The higher your credit score, the lower the rate you can expect. Remember that with a variable rate, an issuer can change the interest it charges at any time—and, per your cardmember agreement, it may not have to notify you.
- An issuer may charge a different APR for purchases, balance transfers and cash advances. It may even offer an introductory rate that includes zero interest for a period of 12 to 18 months. Lastly, a penalty APR may kick in if you’re late for a payment, exceed your credit limit or break other terms and conditions laid out by the issuer.
- We’ll say it till we’re blue in the face: Pay off your balance each month and you won’t have to think about interest.
How does credit card interest work?
- Despite the term “annual percentage rate,” credit card issuers calculate interest daily. The daily periodic rate is determined by dividing your APR by 365 days, which is then applied to your average daily balance. Crunch this number by adding up the total you carry each and every day of the billing cycle and then dividing that by the number of days in the billing cycle.
- Let’s say your APR is 16% and this month you carried an average daily balance of $2,000. The issuer first calculates the daily periodic rate (0.16 divided by 365). That rate (0.00043) is applied to your average balance (0.00043 x $2,000), which brings us to 0.87. Over the course of the 30-day billing cycle (0.87 x 30), you’ll pay $26.30 in interest.
- If crunching numbers isn’t really your thing, some issuers include tools that calculate how much interest you’ll owe based on your monthly payment. Petal, for example, shares this information in a mobile app for its two credit cards, and it’s one of the best first credit cards that we recommend.
- Remember: You won’t be charged interest if you pay off your balance in full and on time each billing cycle. We get that life happens. So if on occasion that’s not possible, consider paying more than the minimum amount to lessen the interest you’ll pay over time, or make more than one payment during the billing cycle to lower your average balance.
The product experts at Reviewed have all your shopping needs covered. Follow Reviewed on Facebook, Twitter and Instagram for the latest, deals, product reviews and more.