Journey Credit Card

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. No Annual Fee

Journey Credit Card (1)

Journey Credit Card

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. No Annual Fee

Travel Credit Cards

Bank of America® Travel Rewards Credit Card

  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases

Journey Student Rewards Credit Card from Capital One

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Capital One Venture Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today

Hilton Honors™ Surpass® Card from American Express

  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer expires on 10/4/2017.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • View Rates and Fees

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

1. What is a travel credit card?

With the increasing number of tourists, there is an increasing demand for travel credit cards. Most travel credit cards can be used not only during holidays, but also for business travel. Travel credit cards for travelers allow you to earn miles while shopping, and they often get more rewards for your travel-related shopping. You can pay for your ticket by mileage, book hotels, and more. You will find that some of these cards are branded by hotels or airlines and allow you to maximize your rewards when spending directly with them.

2. What are the benefits of travel credit cards?

Sign-up bonus

Many travel credit cards offer a huge bonus after you meet a minimum spending requirement within a period.

Earn travel-related points and miles

Many travel credit cards offer a variety of rewards program including airlines, hotels, dining, etc. There are generally three options:

Fixed value points

You can always know how much your points are worth. For example, the Bank of America Travel Rewards credit card earns 1.5 points per $1 spent on anything, and each point is worth one cent.

Transferable points

You can earn points by using one travel credit card and then transfer to the participating airline or hotel transfer partner. For example, with the American Express Membership Rewards program, you can choose to transfer to 15 different airline programs. Once the miles are transferred, you will follow the rules of the program.

Co-branded travel cards

You can get your perks on an airline or a hotel program directly, such as lounge access, free checked bags and other perks.

No foreign transaction fees

Some travel credit cards don’t have any foreign transaction fees, which can help you to save money during you travel aboard. But if your travel credit card doesn’t charge any foreign transaction fee, you have to pay attention to other surcharges.

Redeem points easily

Most cards let you redeem points for any travel expenses you want. And some travel credit cards let you redeem your points for real money or gift cards, which it is a good option when you are not sure if you want redeem for travel.

3. What do you need to apply for a travel credit card?

Credit score

Travel credit cards require your credit score in great shape first. Most of the top travel credit cards are offered to those with “excellent” or “very good” credit. Don’t be discouraged if you find that you don’t qualify for a travel credit card yet. There are also many good rewards or cash back credit cards which are worth applying for and can help you to build credit.

Know where you want to go

Places you want to go can make a huge difference in which cards and travel programs you should invest in. Therefore, before applying for a new travel credit card, figure out this question.

Application

You can apply for a travel credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a travel credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn travel rewards, when rewards will post and other information. Make sure you understand all potential fees such as late fees, foreign transaction fees and other fees. You also need to know how to avoid them before you pursue travel rewards.

Maximize card benefits and perks

Some travel credit cards have annual fees about the hundreds of dollars, so it’s necessary to maximize card benefits and perks in order to make the fee is worth it.

Plan and budget

Travel credit cards can make it easier to overspend during you vacation, because the money doesn’t leave your bank at once. Therefore, we recommend you to make plans before your travel and budget spending. It’s also important to track your spending diligently.

Pay your bill in full on time

Many travel credit cards offer high reward points, but they often come with high interest rates. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest. Carrying a balance may cost you more than you get in rewards.

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