June 2025

Best Travel Credit Cards 2025

Travel rewards cards turn everyday spending into flights, hotel nights, and airport-lounge comfort—but only if you choose the right program and work around the inevitable “points inflation.” Loyalty currencies rise and fall in value from year to year, and airlines regularly tweak award charts NerdWallet. The evergreen guide below focuses on principles that hold up even as sign-up bonuses, lounge partnerships, and transfer ratios shift. Cross-check each issuer’s latest terms in the MoneyAtlas comparison table before you apply.

How Travel Credit Cards Work

Every purchase earns points or miles in one of two ways:

• Transferable points programs (e.g., Chase Ultimate Rewards®, Amex Membership Rewards®) let you move rewards to dozens of airline and hotel partners, preserving flexibility if one partner devalues.
• Co-branded cards lock rewards to a single airline or hotel but often provide elite-style perks—free checked bags, automatic status, or a free-night certificate. Travel + Leisure

Pay the statement balance in full and those rewards are effectively free; carry a balance and high variable APRs will wipe out the value quickly.

Pros

• Rewards redeemable for flights, hotels, upgrades, and sometimes cash or gift cards
• Perks like airport-lounge access (Priority Pass or proprietary networks), statement travel credits, and comprehensive trip insurance
• $0 foreign-transaction fee on most mainstream travel cards, saving ~3 % abroad

Cons

• Devaluations can raise award prices with little notice
• Annual fees on premium cards can top several hundred dollars
• High ongoing APRs penalize any balance you revolve

Types of Travel Credit Cards

Key Features to Compare

Earning Structure Look for 3×–5× multipliers in categories you already spend (travel, dining, groceries) and a solid base rate elsewhere.

Redemption Flexibility Transferable points hedge against future devaluations; fixed-value portals cap upside but guarantee minimum worth.

Annual Fee vs. Perks Calculate whether lounge memberships, statement credits, and travel protections outweigh the fee in a normal year of use.

Foreign-Transaction Fees Serious travelers should insist on 0%.

Travel & Purchase Protections Trip-delay, cancellation, rental-car CDW, and purchase protection vary sharply—read the benefits guide, not just the marketing copy.

Five-Step Selection Framework

1. Check Your Credit Score. Good-to-excellent credit (≈ 670 +) unlocks most top-tier travel cards.
2. Define Your Travel Pattern. Do you fly one airline, hop between carriers, or value hotels more than flights?
3. Value the Perks. Price out lounge visits, free bags, travel credits, and elite nights versus the annual fee.
4. Track Transfer Partners & Award Charts. Favor programs with multiple airline alliances and a record of minor (not massive) devaluations.
5. Plan Minimum-Spend Strategy. Map the card’s bonus requirement onto regular expenses—never stretch to hit a bonus.

Smart Usage Tips

• Stack Earn Rates. Use an airline card for that carrier’s tickets (5×–10×) but a transferable-points card for everything else.
• Time Your Redemptions. Book speculative trips before scheduled partner devaluations; cancel later if plans change.
• Leverage Lounge Access Wisely. A single premium-card membership often covers family guests; adding a duplicate card rarely pays back.
• Keep a Cash-Back Backup. When flight prices drop below point value, pay cash on a 2% card and bank your miles for higher-value trips.