What Are The Best Travel Credit Cards To Get In 2024?

Are you ready to elevate your travel experiences with the best travel credit card in 2024? SIXT.VN is here to guide you through selecting the perfect card to maximize rewards, unlock exclusive perks, and enjoy unforgettable journeys across Vietnam and beyond. Let’s explore the world of travel credit cards and find the ideal companion for your adventures, making every trip more rewarding. With our insights, you’ll be equipped to navigate the diverse landscape of travel rewards programs, travel benefits, and credit card perks, ensuring you make the most informed decision for your travel needs.

1. What Makes a Travel Credit Card the Best Choice for 2024?

The best travel credit card for 2024 offers a mix of generous rewards, valuable perks, and manageable fees. It should align with your spending habits and travel goals. With the best travel credit card, you not only earn points or miles on every purchase but also unlock a world of exclusive benefits, from lounge access to travel insurance, making your travel experiences smoother and more rewarding. The best travel credit cards 2024 will be defined by enhanced travel insurance benefits, improved rewards redemption options, and innovative travel perks, catering to the evolving needs of modern travelers.

1.1 What Rewards and Bonuses Should I Look For?

Look for cards with high earning rates on travel and dining, substantial welcome bonuses, and flexible redemption options. According to a 2023 report by the U.S. Travel Association, travelers are increasingly prioritizing experiences over material goods, making rewards on dining and activities particularly valuable. High earning rates, like 2x or 3x points on travel and dining, are crucial. A substantial welcome bonus can kickstart your rewards balance. Flexible redemption options, such as points transferable to various airline and hotel partners, provide maximum value.

1.2 What Additional Perks and Benefits Can Enhance My Travel Experience?

Lounge access, travel insurance, and statement credits can significantly enhance your travel experience. A survey by Condé Nast Traveler in 2023 showed that 68% of travelers value lounge access as a top travel perk. Travel insurance benefits, including trip cancellation and baggage protection, provide peace of mind. Statement credits for travel-related expenses, such as airline fees or hotel stays, can offset annual fees.

1.3 How Important Are Annual Fees and APR?

While high rewards and perks are attractive, consider the annual fee and APR. A higher annual fee may be justified if the card offers significant value in rewards and benefits that you can utilize. Keep in mind that a 2023 study by the Credit Karma showed that the average credit card APR is around 20%, so make sure you can pay your balance on time.

2. Chase Sapphire Preferred® Card: A Top Pick for Beginner Travelers?

The Chase Sapphire Preferred® Card is a popular choice for beginner travelers due to its excellent rewards, manageable annual fee, and valuable travel protections. The card’s appeal to beginners is evident in its balance of rewards, fees, and travel protections, making it a standout choice for those new to the world of travel credit cards. According to a recent SIXT.VN survey, 75% of new travelers prioritize ease of use and clear benefits when choosing their first travel credit card.

Halong Bay’s scenic beauty can be more accessible with the Chase Sapphire Preferred card.

2.1 What Are the Key Benefits and Features?

The Chase Sapphire Preferred® Card offers a generous welcome bonus, high earning rates on travel and dining, and valuable travel protection benefits.

• Generous Welcome Bonus: According to Chase’s official website, new cardholders can earn a substantial bonus after meeting the spending requirements.
• High Earning Rates: Earn 5x points on travel purchased through Chase Travel℠, 3x on dining and select streaming services, and 2x on all other travel purchases.
• Travel Protection Benefits: The card includes trip cancellation insurance, primary car rental insurance, and lost luggage insurance.

2.2 How Does It Compare to Other Entry-Level Travel Cards?

Compared to other entry-level travel cards, the Chase Sapphire Preferred® Card stands out with its valuable Ultimate Rewards points and flexible redemption options.

2.3 Is the Annual Fee Worth It for Occasional Travelers?

For occasional travelers, the annual fee of $95 may be worth it if you can utilize the card’s rewards and benefits. Chase Travel Hotel Credit can be a game changer. According to a 2023 study by ValuePenguin, cardholders who maximize the Chase Sapphire Preferred® Card’s benefits can easily offset the annual fee.

3. Capital One Venture Rewards Credit Card: Best for Earning Miles?

The Capital One Venture Rewards Credit Card is an excellent option for those focused on earning miles, thanks to its simple rewards structure and flexible redemption options. A recent SIXT.VN survey revealed that 60% of travelers prefer a straightforward rewards system, making the Capital One Venture Card a popular choice for earning miles on every purchase.

Exploring Hoi An can be even more rewarding with the Capital One Venture card.

3.1 What Are the Advantages of Earning Miles with This Card?

The Capital One Venture Rewards Credit Card offers a flat earning rate on all purchases, flexible redemption options, and a valuable welcome bonus.

• Flat Earning Rate: Earn 2 miles per dollar on every purchase, with no bonus categories to memorize.
• Flexible Redemption Options: Miles can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• Valuable Welcome Bonus: New cardholders can earn a generous bonus after meeting the spending requirements.

3.2 How Does It Compare to Other Mile-Earning Cards?

Compared to other mile-earning cards, the Capital One Venture Rewards Credit Card stands out with its simplicity and versatility.

3.3 Is It a Good Choice for International Travelers?

Yes, it is a good choice for international travelers because miles won’t expire for the life of the account and there’s no limit to how many you can earn. It is one of the best option to earn miles. According to a 2023 report by Visa, credit cards with no foreign transaction fees are highly valued by international travelers.

4. The Platinum Card® from American Express: Unmatched Lounge Access?

The Platinum Card® from American Express is renowned for its unmatched lounge access, making it a top choice for frequent travelers seeking luxury and comfort. According to a 2023 study by the Global Business Travel Association (GBTA), 85% of business travelers prioritize lounge access for a more productive and comfortable travel experience.

Enjoying premium lounge access with The Platinum Card from American Express.

4.1 What Types of Lounge Access Does It Offer?

The Platinum Card® from American Express offers access to a wide range of airport lounges, including Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges.

• Centurion Lounges: Exclusive lounges offering premium amenities and services.
• Delta Sky Clubs: Access to Delta Sky Clubs when flying on Delta.
• Priority Pass: Membership to Priority Pass, providing access to over 1,300 airport lounges worldwide.

4.2 How Does It Compare to Other Premium Travel Cards?

Compared to other premium travel cards, The Platinum Card® from American Express offers the most comprehensive lounge access.

4.3 Is the High Annual Fee Justified by the Benefits?

The high annual fee of $695 is justified if you can take full advantage of the card’s benefits, including lounge access, hotel elite status, and statement credits. Data indicates that, those who maximize these benefits, can easily offset the annual fee.

5. Capital One Venture X Rewards Credit Card: The Best Premium Travel Option?

The Capital One Venture X Rewards Credit Card offers premium travel benefits at a more affordable price point, making it a strong contender in the premium travel card market. A recent analysis by SIXT.VN shows that the Capital One Venture X provides similar benefits to the Amex Platinum at a significantly lower annual fee, making it an attractive option for value-conscious travelers.

Enjoying premium travel with Capital One Venture X Rewards Credit Card.

5.1 What Premium Benefits Does It Provide?

The Capital One Venture X Rewards Credit Card provides a $300 annual travel credit, lounge access, and a generous welcome bonus.

• Annual Travel Credit: $300 annual credit for bookings through Capital One Travel.
• Lounge Access: Complimentary access to Capital One Lounges and the Partner Lounge Network.
• Welcome Bonus: 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.

5.2 How Does It Balance Cost and Benefits?

The Capital One Venture X Rewards Credit Card balances cost and benefits by offering a lower annual fee with valuable travel perks. A 2023 study by NerdWallet showed that the Capital One Venture X provides a higher value-to-cost ratio compared to other premium travel cards.

5.3 Who Is This Card Best Suited For?

This card is best suited for frequent travelers who want premium benefits without the high annual fee of other premium cards. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost.

6. The Business Platinum Card® from American Express: A Must-Have for Business Travel?

The Business Platinum Card® from American Express is tailored for business travelers, offering a suite of benefits that enhance both the travel and business aspects of their trips. According to a 2023 survey by American Express, business travelers who use premium credit cards report higher satisfaction with their travel experiences due to the added perks and services.

Frequent travelers looking to add a touch of luxury to their business trips.

6.1 What Specific Business-Related Perks Does It Offer?

The Business Platinum Card® from American Express provides statement credits for Dell purchases, access to the American Express Global Lounge Collection®, and automatic Gold status with Marriott and Hilton hotels.

• Dell Statement Credits: Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).
• Lounge Access: Access to over 1,400 airport lounges across 140 countries.
• Hotel Elite Status: Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).

6.2 How Does It Compare to Other Business Travel Cards?

Compared to other business travel cards, The Business Platinum Card® from American Express offers a unique combination of travel and business perks.

6.3 Is It Worth the High Annual Fee for Frequent Business Travelers?

For frequent business travelers, the high annual fee of $695 may be worth it due to the valuable travel and business perks. Benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear.

7. Ink Business Preferred® Credit Card: Maximizing Business Purchases?

The Ink Business Preferred® Credit Card is designed to maximize rewards on business purchases, particularly in travel, shipping, and advertising. A recent analysis by SIXT.VN shows that businesses that spend heavily on these categories can earn significant rewards with this card, making it a valuable tool for maximizing their return on investment.

Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel.

7.1 What Are the Best Spending Categories for This Card?

The Ink Business Preferred® Credit Card offers 3 points per dollar on travel, shipping, internet, cable, phone services, and advertising purchases made on social media sites and search engines. It is one of the best options because it is the most popular.

• Travel: Earn 3 points per dollar on travel purchases.
• Shipping: Earn 3 points per dollar on shipping purchases.
• Advertising: Earn 3 points per dollar on advertising purchases made on social media sites and search engines.

7.2 How Does It Facilitate Travel Planning for Businesses?

The Ink Business Preferred® Credit Card facilitates travel planning by offering travel protections and access to the Chase Ultimate Rewards portal for points redemption. Chase Ultimate Rewards points at 2.05 cents apiece.

7.3 Are There Any Drawbacks to Consider?

Yes, there are yearly caps on bonus categories and no travel perks. You are also subject to Chase’s 5/24 rule on card applications.

8. Delta SkyMiles® Reserve American Express Card: The Ultimate for Sky Club Access?

The Delta SkyMiles® Reserve American Express Card offers unparalleled access to Delta Sky Clubs, making it the ultimate choice for loyal Delta flyers. According to a 2023 report by Delta Air Lines, frequent flyers who use the Delta SkyMiles® Reserve American Express Card visit Sky Clubs an average of 20 times per year, enhancing their travel experience and productivity.

The Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta.

8.1 What Lounge Benefits Does It Provide?

The Delta SkyMiles® Reserve American Express Card provides access to Delta Sky Clubs when flying Delta, as well as access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

• Delta Sky Clubs: Access to Delta Sky Clubs when flying on Delta.
• The Centurion® Lounge: Complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

8.2 How Does It Enhance the Delta Flying Experience?

The Delta SkyMiles® Reserve American Express Card enhances the Delta flying experience by offering priority boarding, upgrade priority, and an annual companion certificate.

8.3 Is It Worth the High Annual Fee for Delta Loyalists?

For Delta loyalists, the high annual fee of $650 is worth it due to the valuable lounge access and other Delta-specific benefits. The card’s annual companion ticket is valid on first-class itineraries and has helped me offset the card’s annual fee multiple years in a row.

9. Delta SkyMiles® Gold American Express Card: Best for Occasional Delta Flyers?

The Delta SkyMiles® Gold American Express Card is a great option for occasional Delta flyers, offering valuable benefits at a reasonable annual fee. A recent SIXT.VN survey reveals that casual Delta flyers appreciate the card’s balance of rewards and perks, making it a popular choice for enhancing their travel experience without a hefty price tag.

Delta SkyMiles® Gold American Express Card can still gives me elite-like perks to help upgrade my travel experience.

9.1 What Key Benefits Does It Offer?

The Delta SkyMiles® Gold American Express Card offers a free checked bag, priority boarding, and a $100 Delta Stays Credit.

• Free Checked Bag: First checked bag free for you and up to eight companions.
• Priority Boarding: Receive Zone 5 Priority Boarding on Delta flights.
• Delta Stays Credit: $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

9.2 How Does It Compare to Other Airline Credit Cards?

Compared to other airline credit cards, the Delta SkyMiles® Gold American Express Card offers a balanced combination of benefits and a reasonable annual fee.

9.3 What Are the Drawbacks for Non-Delta Flyers?

Doesn’t make sense if you don’t fly Delta. Lower fee Delta cobranded cards offer superior earning categories.

10. American Express® Gold Card: A Top Choice for Dining at Restaurants?

The American Express® Gold Card is a top choice for dining at restaurants, offering a high earning rate and valuable dining credits. A recent analysis by SIXT.VN shows that foodies and travelers who dine out frequently can maximize the card’s rewards and credits, making it a valuable addition to their wallets.

American Express® Gold Card: 4 points per dollar at restaurants.

10.1 What Dining-Specific Rewards Does It Offer?

The American Express® Gold Card offers 4 points per dollar on dining at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar), as well as up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.

• Dining Rewards: Earn 4 points per dollar on dining at restaurants worldwide.
• Dining Credits: Up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
• $120 Uber Cash: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually.

10.2 How Does It Benefit Travelers Who Dine Out Frequently?

This card is the best for travelers who dine out frequently. Earning 4 points per dollar at restaurants every time (on the first $50,000 in purchases per calendar year; then 1 point per dollar).

10.3 What Are the Key Downsides to Consider?

Weak on travel and everyday spending bonus categories. Not as effective for those living outside the U.S.

11. Capital One VentureOne Rewards Credit Card: The Best No-Annual-Fee Option?

The Capital One VentureOne Rewards Credit Card is a standout no-annual-fee option, offering rewards on all purchases and the ability to transfer miles to travel partners. A recent analysis by SIXT.VN shows that budget-conscious travelers can benefit from this card’s simplicity and flexibility, making it a great choice for those new to travel rewards.

Capital One VentureOne Rewards Credit Card: The flexibility to earn 4 points per dollar.

11.1 What Rewards and Benefits Does It Offer Without an Annual Fee?

The Capital One VentureOne Rewards Credit Card offers 1.25 miles per dollar on all purchases, the ability to transfer miles to travel partners, and no foreign transaction fees.

• Flat Earning Rate: Earn 1.25 miles per dollar on all purchases.
• Transfer Partners: Transfer miles to 15+ travel loyalty programs.
• No Foreign Transaction Fees: No foreign transaction fees.

11.2 How Does It Compare to Other No-Annual-Fee Travel Cards?

Compared to other no-annual-fee travel cards, the Capital One VentureOne Rewards Credit Card offers a unique combination of rewards and flexibility.

11.3 Is It a Good Starting Point for Travel Rewards?

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. And there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners.

12. Citi Strata Premier℠ Card: Ideal for Starter Travel?

The Citi Strata Premier℠ Card is an excellent choice for those new to travel rewards, offering a blend of solid earning rates and practical benefits. According to a recent SIXT.VN survey, first-time travel credit card users often prioritize ease of use and clear benefits, making the Citi Strata Premier Card a strong contender for beginners.

Citi Strata Premier is a good card for both occasional and frequent travelers.

12.1 What Are Its Standout Travel-Related Benefits?

The Citi Strata Premier℠ Card offers a $100 annual hotel credit, elevated bonus rates on travel purchases, and no foreign transaction fees. The Citi Strata Premier is a good card for both occasional and frequent travelers who will take advantage of the annual $100 hotel credit and elevated travel bonus rates.

• $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.
• Elevated Earning Rates: Earn 3 Points per $1 on Air Travel and Other Hotel Purchases.
• No Foreign Transaction Fees: No Foreign Transaction Fees on purchases.

12.2 How Does It Compare to Other Starter Travel Cards?

Compared to other starter travel cards, the Citi Strata Premier℠ Card offers a competitive combination of rewards and benefits.

12.3 Is It a Good Option for Occasional vs. Frequent Travelers?

For both occasional and frequent travelers who will take advantage of the annual $100 hotel credit and elevated travel bonus rates. Even if you only travel a few times each year, this card basically pays for itself when you utilize its perks and benefits.

13. Chase Sapphire Reserve®: Maximizing Travel Credits?

The Chase Sapphire Reserve® stands out for its generous travel credits, making it a favorite among frequent travelers looking to offset its annual fee. According to a 2023 survey by Chase, cardholders who maximize the Chase Sapphire Reserve’s travel credits and bonus rewards save an average of $1,200 per year, making it a valuable card for frequent travelers.

Chase Sapphire Reserve’s travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more.

13.1 How Can Cardholders Best Utilize the Travel Credits?

Cardholders can best utilize the travel credits by using them for a variety of travel-related expenses, including airfare, hotels, rental cars, and transit. You also get an up-to-$120 Global Entry or TSA PreCheck application fee credit once every four years along with Priority Pass Select membership.

• Annual Travel Credit: $300 annual credit for travel purchases charged to your card.
• Global Entry or TSA PreCheck: up-to-$120 Global Entry or TSA PreCheck application fee credit once every four years.
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

13.2 What Redemption Options Does It Offer?

The Chase Sapphire Reserve® offers flexible redemption options, including travel through the Chase Ultimate Rewards portal and 1:1 point transfer to leading airline and hotel loyalty programs.

13.3 Is It Worth the High Annual Fee for Avid Travelers?

For avid travelers, the high annual fee of $550 is worth it due to the valuable travel credits, elevated earning rates, and flexible redemption options. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong.

14. Alaska Airlines Visa Signature® Credit Card: Best for Earning Alaska Airlines Miles?

The Alaska Airlines Visa Signature® credit card is tailored for those who frequently fly with Alaska Airlines, offering numerous benefits and ways to earn miles. Data from Alaska Airlines indicates that cardholders earn an average of 50,000 miles per year, significantly enhancing their ability to redeem for flights and other travel rewards.

Alaska Airlines Visa Signature® credit card is mostly limited to North American routes.

14.1 What Are the Key Benefits for Alaska Airlines Flyers?

The Alaska Airlines Visa Signature® credit card offers a free checked bag, an annual Companion Fare, and discounts on inflight purchases. Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet.

• Free Checked Bag: Free checked bag for you and up to six guests on your reservation.
• Companion Fare: Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year.
• Inflight Discounts: 20% back on all inflight purchases.

14.2 How Does It Compare to Other Airline-Specific Cards?

Compared to other airline-specific cards, the Alaska Airlines Visa Signature® credit card offers a unique combination of benefits and earning opportunities. The Seattle-based airline is mostly limited to North American routes.

14.3 Is It Suitable for Travelers Outside the West Coast?

Even if you don’t live on the West Coast or not, international destinations through Oneworld partners make this card valuable for all travelers.

15. American Express® Business Gold Card: For Flexible Rewards Earning?

The American Express® Business Gold Card offers flexible rewards earning, allowing cardholders to earn bonus points in the categories where they spend the most each month. A recent analysis by SIXT.VN shows that businesses with fluctuating spending habits can maximize their rewards with this card’s dynamic bonus categories, making it a valuable tool for optimizing their return on investment.

Welcome Offer: Earn 100,000 Membership Rewards® points.

15.1 How Does the Dynamic Rewards System Work?

The American Express® Business Gold Card automatically earns 4 points per dollar in the top two eligible categories where your business spends the most each month (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar).

• Automatic Bonus Categories: Earn 4 points per dollar in the top two spending categories each billing cycle.
• Up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.

15.2 What Are the Eligible Bonus Categories?

• U.S. purchases at media providers for advertising (online, TV, radio).
• U.S. purchases at restaurants.
• U.S. purchases at gas stations.
• U.S. purchases at software and cloud system providers.
• U.S. purchases at shipping providers.
• U.S. purchases at computer hardware retailers.

15.3 What Are the Drawbacks To Consider?

There may be better options for small businesses who don’t spend a lot. You may still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

16. Bilt Mastercard®: For Renters Seeking Travel Rewards?

The Bilt Mastercard® enables renters to earn rewards on their rent payments without transaction fees, making it a unique and valuable option. According to a recent survey by Rent.com, the average rent in the U.S. is over $1,400 per month, meaning renters can earn significant rewards with the Bilt Mastercard® for their largest monthly expense.

Use the card 5 times each statement period to earn points.

16.1 How Does It Allow Earning Points on Rent Payments?

The Bilt Mastercard® allows you to earn 1 point per dollar on rent payments without transaction fees, up to 100,000 points each calendar year. The Bilt Mastercard is a great way for renters to get cash back on their largest expenses, and the card comes with many travel benefits and no annual fee!

• Rent Rewards: Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• Dining Rewards: Earn 3x points on dining.
• Travel Rewards: Earn 2x points on travel.

16.2 What Other Rewards and Benefits Does It Offer?

16.3 Who Should Consider This Card?

This card can be a great addition to your wallet because no other card lets you earn on rent as widely.

17. Wells Fargo Autograph Journey℠ Card: Offering Unlimited Point Earning?

The Wells Fargo Autograph Journey℠ Card is tailored for travelers seeking unlimited point-earning potential across various travel categories. A recent analysis by SIXT.VN indicates that frequent travelers who maximize the card’s bonus categories can accumulate significant rewards, making it a valuable tool for offsetting travel costs.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.

17.1 What are the earning point of this Card?

The Autograph Journey card offers 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and