Top 20 Most Valuable Travel and Rewards Credit Cards 2021

Getting Started with Rewards Credit Cards

Many credit cards today offer some type of reward for using them in the form of points. Points can be redeemed for cash back, free gifts, and travel rewards (hotels, airfare). After having analyzed this space extensively, BestCashCow believes that travel reward programs offer the best sign­‐up rewards, with some worth well over $1,000 if you meet promotional spend requirements; and the best return, with some programs easily offering up to 3% of the regular spend. For certain categories that offer 2, 3 or even 5x, for every dollar spent on a credit card, as much as fifteen cents of a certain part of your spend can come back in the form of a reward, that's up to 15% of your spend.

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Chase Ink Business Preferred Card

Chase Ink Business Preferred Card
Bonus:

Get 100,000 points after spending $15,000 in the first three months. BestCashCow values these points as high as 2.05 cents each, making the value of this bonus $2,050.   $95 annual fee.   


Points:
Receive 3x points on travel, shipping, online advertising (Google, Facebook) and internet/cable/phone expenditures to a total of $150,000 per year.  No foreign transaction fees. Also, if you use the card to purchase your cell phone, it provides $600 in damage protection.  (This is a business card, but you do not need to have a business to apply for the card.  It is a sister product to the Sapphire Cards and can be used interchangably with them although it will not provide the same car rental protection and purchase protection).

The complete list of Chase transfer partners is here.    Some of the more attractive transfer opportunities are:

  • Hyatt - 8,000 points gets a night at the Hyatt Regency Greenville, SC.
  • British Airways - 15,000 points can get a round trip ticket between Lodnon and Lisbon
  • United - 140,000 points gets a RT business class ticket from JFK to Narita
  • Singapore - 60,000 points gets a RT business class ticket from the mainland US to Hawaii (on United)
Those seeking to separate business spend from personal spend and those seeking flexibility in the way they can redeem travel rewards points. You may apply even if you don't have a business by entering your social security number when prompted to enter an EIN.

Chase Sapphire Reserve Card

Chase Sapphire Reserve Card
Bonus:

Receive 50,000 Chase Ultimate Rewards points after spending $4,000 within three months.  $550 annual fee.   The card includes Priority Pass membership, a $300 travel statement credit that renews on each card membership anniversary date, certain Lyft benefits, and a $60 Grubhub credit annually (through 2021).


Points:
Earn 3x at restaurants and on travel.  Use in conjunction with the Chase Freedom to earn 5x at quarterly rotating categories, including gas, groceries, restaurants, Costco and Amazon, up to a $1,500 quarterly limit.  Also use in conjunction with the Chase Ink Cash card to earn 5x at office supply stores and on telecommunications spend up to a $25,000 annual limit (detailed here).  

Coronavirus / COVID-19 Additional Benefits:

This card is offering 3x per $1 spent at US grocery stores per month through April 2021, up to $1,000 per month maximum.  This excludes shopping at Costco or other big box retailers.

The complete list of Chase transfer partners is here.    Some of the more attractive transfer opportunities are:
  • Hyatt - 12,000 points gets a night at the Andaz Vienna.
  • British Airways - 15,000 points gets a round trip ticket between Chicago and the East Coast (on AA)
  • United - 140,000 points gets a RT business class ticket from JFK to Narita
  • Singapore - 60,000 points gets a RT business class ticket from the mainland US to Hawaii (on United)
Those seeking flexibility in the way they can redeem travel rewards points.

Review: | Sep 29, 2020

Yada, yada, yada with Chase and CSR already. The card was the must-have card for millennials when it launched 4 years ago, but now the sign-up bonus is lower, the card's annual fee is higher and the benefits don't stack up the Amex Platinum. Plus, Platinum really seems to be going out of their way to add new incentives during the Trumpvirus, including all sorts of incentives to renew. I haven't seen any of that coming from Chase.

The Blue Business® Card from American Express®

The Blue Business® Card from American Express®
Bonus:

No sign-up bonus.   $0 annual fee.   Link your Business Blue account to your Membership Rewards account with a Gold or Platinum card and all sign-on and earned points will be directly transferred into one common account.


Points:
2x points for every dollar you spend up to $50,000 each year.  The complete list of Amex's transfer partners is here.   
While it is very difficult to find valuable redemptions with many of partners, we value Amex points as being worth as much as 1.80 cents per point when redeemed on ANA or Singapore airlines (both part of the Star Alliance and partners with United).   The complete list of Amex's transfer partners is here.   
Those who want to segregate business expenses and earn double points on their first $50,000 in spend annually.  You may apply even if you don't have a business by entering your social security number when prompted to enter an EIN.

Review: | Aug 17, 2020

Earning 2x points on everything is the best way to run your business. Amex still has Delta, JetBlue and Singapore as partners and while the partner roster isn't as good as Chase, Chase doesn't have a card that gives you 2x points on everything. The point earning is so good and I also know people who run this one as a personal card which Amex will basically let you do, but I don't recommend that because you lose purchase protection, charge contesting abilities, etc. (things built into personal cards and not business cards).

Bank of America® Premium Rewards® Visa® Credit Card

Bank of America® Premium Rewards® Visa® Credit Card
Bonus:

Earn 50,000 points - a $500 value - after spending $3,000 in the first 90 days.


Points:
  • Earn 2x points on travel and dining. Earn 1.5x points on all else.
  • BoA Platinum Honors customers holding a checking account and over $100,000 at the bank or Merrill receive a 75% premium on these amounts.  Since points are redeemable from statement credits, you can effectively earn earn 2.625% to 3.50% back on everything.
  • Also receive a $200 annual travel statement credit which can be applied against the cost of TSA PreCheck and/or incidental airline charges.
  • $95 annual fee.

Review: | Jul 9, 2020

If the pandemic goes on for a while, I will use it. Since I have the account with Merrill, I am Preferred Rewards and it gives me 3.50% back on dining and then I use it for my taxes and end up making money (I use pay1040 which charges me 1.87% but there are others). I also have the other BoA card which I don't see here but which also produces cash in my pocket. Prefer the cash back as long as Trump is President and we are barred from even going to Canada.

World of Hyatt Card by Chase

World of Hyatt Card by Chase
Bonus:

Up to 60,000 Hyatt points.  Earn 30,000 Hyatt points after a $3,000 spend within 3 months, and earn an additional 30,000 by earning 2 extra points per dollar on up to $15,000 in spend over your first 6 months as a card member.   Also, receive automatic Hyatt Discoverist status and 10 qualifying stays towards the next status just for being a card member.   Each $5,000 spend in a calendar year earns 2 qualifying nights towards the next status and each $15,000 spend in an anniversary year earns and additional 1 night in a Hyatt category 1-4 hotel. $95 annual fee.


Points:
4x at Hyatt, 2x at restaurants, gym membership, ride sharing services, and air travel purchased directly from an airline, 1x everywhere else. No foreign transaction fees. After payment of your annual fee upon renewal, you will receive 1 night in a Hyatt category 1-4 hotel.   
 
Redeem 8,000 WOH points for a night at the Hyatt Regency Montreal, 12,000 points for a night at the Park Hyatt Mendoza, 25,000 points for a night at the Churchill in London, or 30,000 points for a night at the Park Hyatt New York or Park Hyatt Paris.
Customers of Hyatt seeking to earn status through their credit card spend.  Those seeking to redeem value for their credit card spend at Hyatt, which remains the most valuable hotel programs even after recent program devaluations.

Review: | Feb 26, 2017

This is the best card here. Became my go-to card recently. I'll pay $75 all day for a free cat 4 night every day of the year.

United Club Infinite

United Club Infinite
Bonus:

Earn 75,000 points after spending $3,000 in the first 3 months (if you have not received a bonus for a personal United card in the last 24 months).  $525 annual fee.


Points:

Earn 4 miles per dollar spent on United, earn 2 miles per dollar spent on dining and other travel, and earn 1 mile on all other spend.

As few as 70,000 United miles can be redeemed on any of its Star Alliance® partners for a one-way business class ticket from anywhere in the US to anywhere in Europe.   Star Alliance® partners include Lufthansa, TAP Portugal, Austrian Air and SAS Airlines.   You could have also redeemed 140,000 points for a business class ticket from JFK to Narita, or redeem 30,000 points for an intra-Europe round-trip coach class ticket on a Star Alliance® partner.

Receive United Club membership, 2 free checked bags on United, up to $100 global entry or TSA Precheck reimbursement, no foreign transaction fees. 

The Platinum Card® from American Express

The Platinum Card® from American Express
Bonus:

100,000 Membership Rewards points after spending $6,000 within 3 months (Targeted offers may offer more Membership Rewards points).   The Welcome Offer is not available if you have ever had the exact same product before (if you have had the card before, consider the Business version, the Morgan Stanley version or the Mercedes Benz version.)  $695 annual fee.


Points:
Earn 10X points for up to $25,000 spend in the first six months on restaurants globally or through Shop Small in the US.    5x points airline purchases or hotels reserved directly through Amex. One point on everything else.

Coronavirus / COVID-19 Additional Benefits:

Through the end of 2020, the Platinum card is providing $20/month streaming service credit and $20/month wireless phone service credit.  This benefit is not extended to co-branded cards such as the Morgan Stanley Platinum card, the Mercedes Benz Platinum card, the Ameriprise Platinum card or the Charles Schwab Platinum card.

The complete list of travel partners to which Amex points may be transferred is here.

The most attractive transfer partners are currently Delta, British Airways, Iberia and Singapore Airlines.   Singapore's KrisFlyer program is the partner that ordinarily provides the most valuable use of your Amex points provided you can redeem there for one of the rewards outlined this article.

Those who enjoyed coupon books when they were the rage 30 years ago.

United Mileage Plus Explorer Card

United Mileage Plus Explorer Card
Bonus:

Earn 60,000 United Mileage Plus points after spending $3,000 within your first three months of card membership, plus an additional 10,000 points if you spend $6,000 total win your first six months.   Since the pandemic began, United has been davaluing its progam and we cannot value United miles any greater than 1.20 cents now.   Therefore, we value this Welcome Bonus around $720.   No annual fee for the first year, $95 thereafter.


Points:

Earn 2x on United purchases, at restaurants and on purchases directly from hotels.   Earn 1 mile everywhere else.   

 

As few as 70,000 United miles can still redeemed on any of its Star Alliance® partners for a one-way business class ticket from anywhere in the US to anywhere in Europe.   Star Alliance® partners include Lufthansa, TAP Portugal, Austrian Air and SAS Airlines.   You could have also redeemed 140,000 points for a business class ticket from JFK to Narita, or redeem 30,000 points for an intra-Europe round-trip coach class ticket on a Star Alliance® partner.
Those who fly United and those who can take advantage of the extensive 2x point categories.  The card includes 2 United Club passes, free first checked bag and a 25% discount on purchases onboard United or from United at the gate.    No foreign transaction fees.   

Review: | Dec 6, 2020

This is the best of the airline cards at the moment, especially if you live in SF and are locked into United. I know a lot of my girlfriends are dishing on United for making point tickets to Hawaii, but it is still the best airline program out there IMHO! Plus great partners (though not good for getting to France or Spain without flying through Lisbon).

British Airways Visa Signature Card

British Airways Visa Signature Card
Bonus:

Receive 100,000 British Airways Avios points after spending $5,000 within 3 months.  If you spend a total of $30,000 in a calendar year, you will receive a "Travel Together voucher" valid for 2 years which can be redeemed for a companion ticket in the same class of service as a fully fare round-trip ticket on British Airways.   Similar versions of this card are also offered by BA's partners Aer Lingus and Iberia and points can be freely transferred between the three.  $95 annual fee.


Points:
3 Avios points per Dollar Spent on British Airways.   2 points per dollar spent in booking directly with hotels.   1 point per dollar spent everywhere else.
Short haul redemption opportunities can be outstanding, including Chicago and the East Coast (on American), between Hong Kong and most destinations in Southeast Asia (on Cathay Pacific), or between London and Madrid (on Iberia).  Note that redemptions directly on British Airways are often subject to excessive fees.   $95 annual fee.
Those seeking great value for their credit card spend by redeeming on short haul flights through British Airways' partners.

The American Express® Gold Card

The American Express® Gold Card
Bonus:

Earn 25,000 Amex Membership Rewards points after spending $2,000 in your first 3 months.  $250 annual fee.


Points:

Earn 4x points at restaurants (U.S. only).

Earn 4x points at supermarkets up to $25,000 annually (U.S. only).

Earn 3x points on airline travel when booked directly through the airline.

Earn 1x on everything else.

Transfer Amex Membership Rewards® points to:

  • British Airways or Iberia at 1 Amex: 1 Avios.
  • Delta Airlines at 1:1 where they are worth very little.
  • Singapore Airlines at 1:1 where a saver level round trip business class ticket to Singapore is 198,000 (but the miles will expire after 3 years).
  • Or, several other travel partners listed here.

Those who spend a lot of money at U.S. restaurants and U.S. supermarkets and can take advantage of the generous 4x points per dollar spend that this card offers.

Chase Freedom Unlimited

Chase Freedom Unlimited
Bonus:

Earn a $200 bonus (20,000 points) after you spend $500 on purchases in your first 3 months from account opening.  $0 annual fee.


Points:
  • 3% cash back on restaurants and drugstores.
  • 5% cash back on grocery stores for your first 12 months of card membership, excluding Target and Walmart, up to $12,000 in spend. 
  • 3.5% cash back on Lyft until 3/2022.
  • Unlimited 1.5% cash back on every purchase
  • Cash back is rewarded in points that can be redeemed at a penny a piece for cash - any amount, anytime.   These points can be transferred to a Chase Ink Business Preferred or a Chase Sapphire card where they may have much more value when redeemed for travel rewards.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Points only have the value ascribed when they are transferred to a Chase Sapphire or a Chase Ink card as explained in this article.
Those who have a Chase Sapphire or a Chase Ink Business Preferred card.

Review: | Dec 6, 2020

This is my go-to card and has been for years. I transfer my points to a Sapphire Preferred card that I keep for $95 a year so that the points are more valuable, but most of the spend goes on here. It ordinarily earns 1.5x and that is great. The drugstore and restaurant 3x is now better than the Preferred's 2x so I use it at those places now. If I ever use Lyft again, I will use it there now too. Too bad the grocery benefit is only for new cardholders.

American Express Green Card®

American Express Green Card®
Bonus:

45,000 points after spending $2,000 within 3 months of account opening.  $150 annual fee.


Points:

Earn 3x Membership Rewards for spend at restaurants and on travel.   1x everywhere else.   Receive $100 annual credits at Clear and Lounge Buddy.


Coronavirus / COVID-19 Additional Benefits:

Through the end of 2020, the Amex Green card is providing a $10/month wireless phone service credit.

Amex Membership Rewards points may be transferred to any of the partners listed here.   Delta is the most commonly selected partner for Amex transfers.

Those who spend a lot on travel and restaurants.   Can be used as a complement to the Amex Platinum card and other Amex cards that do not deliver 3x in those categories.   May not make sense as an alternative to other cards from Chase and Citibank that deliver 3x in these categories as the travel protections are not as strong and card carries a currency conversion fee when used outside the U.S.

Review: | Jul 13, 2020

This is just a terribly stupid and worthless card. Might be worthwhile if you are a flipper and want to get 30,000 Amex points for the first year annual fee, but otherwise it is a nothing of a card. The high annual fee brings no benefits. It doesn't compete with Chase Sapphire Reserve even remotely when you factor in their annual "travel" credits. It doesn't compete with Citi Preferred. It doesn't compete with Amex's own Platinum which has a larger sign up bonus and better benefits. Just a waste of space.

American Express® Business Gold Rewards Card

American Express® Business Gold Rewards Card
Bonus:

80,000 Membership Rewards points after spending $10,000 within 3 months of account opening. (Targeted offers may offer more Membership Rewards points).   $295 annual fee.


Points:
Designate 2 of the following categories for 4x Amex Membership Rewards® points on a combined total of $150,000 spend annually: 
  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

Transfer Amex Membership Rewards® points to:

  • British Airways at 1 Amex: 1 BA
  • Delta Airlines at 1:1 where they are worth very little
  • Or, several other travel partners listed here.
Those seeking to segregate business expenses and earn flexible points that can be redeemed on several solid partner airlines, including British Airways and Singapore Airlines.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Bonus:

Earn 125,000 Hilton points after spending $2,000 within your first three months. $95 annual fee.  (The Hilton Honors American Express card, a separate card, offers 75,000 points after spending $1,000 within your first three months and has no annual fee). 


Points:
Earn 12 Hilton Honors points per $1 spent at Hilton, 6 points per dollar spent at restaurants, US supermarkets and gas stations, 3 points everywhere else. 

Coronavirus / COVID-19 Additional Benefits:

This card is now offering 12x points per dollar at U.S. supermarkets until July 31, 2020.

Most Conrads are 95,000 points per night. 
Those who stay at Hilton family hotels.

Review: | Dec 22, 2016

Had no problem using the 2 free nights at the Conrad in NY and that made it worthwhile and then I cancelled.

Gold Delta SkyMiles® Credit Card

Gold Delta SkyMiles® Credit Card
Bonus:

Earn 60,000 Delta miles after spending $2,000 in your first 3 months.  Earn an additional 10,000 Delta miles on your first anniversary of cardmembership when you renew your card.   Get a $100 Delta credit when you spend $10,000 in a calendar year.  $0 annual fee for first year, $99 thereafter.


Points:
Earn 1 mile per dollar spent on the card and 1 extra mile for Delta purchases.

Coronavirus / COVID-19 Additional Benefits:

Through July 31, 2020, all Delta cards are offering 4x/points on all grocery store purchases.

Delta has removed its award chart and valuable redemptions are just tougher and tougher to find.   The most valuable redemptions we find are in Business Class seats for long haul flights from New York to Latin America when they are on "sale".
People who live in Atlanta or Salt Lake City or who want to redeem for international travel from JFK.

Bank of America® Travel Rewards Credit Card®

Bank of America® Travel Rewards Credit Card®
Bonus:

25,000 points or $250 after spending $3,000.   No annual fee.


Points:
Provides 1.5 points for every dollar spent, plus a 75% bonus for those holding more than $100,000 in a Bank of America or Merrill Lynch account (totaling 2.625%).  Points are redeemable only for travel statement credits.
N/A
Those with $100,000 in assets at Merrill or BoA who seek maximum flexibility in redemptions.

Review: | Mar 15, 2017

Can you get this card in a Mastercard or is it just Visa? Does anyone know? My Merrill advisor doesn't have a clue (about this or anything).

The Marriott Bonvoy Boundless™ Credit Card

The Marriott Bonvoy Boundless™ Credit Card
Bonus:

100,000 Marriott points after spending $3,000 in the first 3 months of receiving the card. We value each Marriott point as high as 0.90 cents ordinarily.  $95 annual fee.


Points:
Card earns 2 points per $1 of spend, but 6 points at Starwood or Marriott properties.
Even after past devaluations, some bloggers had succeeded in finding redemptions where Marriott points were worth over 3 cents a point at the Westin Snowmass Resort in Colorado and at the Wailea Beach Resort in Hawaii.   However, after category changes and program devaluations in March 2020, we think it will be hard to find redemptions better than 9/10 cent a point.   

 

Those who stay at Marriott hotels, and who want to take advantage of their higher end hotel properties (St. Regis, Ritz Carlton, Luxury Collection, Edition, Autograph).

Citi Prestige® Card

Citi Prestige® Card
Bonus:

50,000 points after spending $4,000 within 3 months of account opening.  The Prestige Card now carries a $495 annual fee, but gives a $250 annual statement travel credit. 


Points:

Earn 5x on air travel and at restaurants, 3x at hotels and 1x everywhere else.  The card also offers TSA Precheck / Global Entry, Priority Pass Select, and a complimentary 4th night free at hotels (which will only be available 2x per year after October 2019).   


Coronavirus / COVID-19 Additional Benefits:

New cardholders who applied for a Citibank credit card between Dec. 1, 2019, and May 31, 2020, will get an additional three months to meet the sign-on bonus spending requirement. You'll get a total of six months to meet the bonus if you applied (or will apply) between those dates.

Points may be transferred to any of Citi's transfer partners listed here.   May alternatively be redeemed directly for travel at 1 cent per point.

Those who charge a lot on travel and restaurants, and who can take advantage of one of the Singapore Airlines redemptions outlined in this article.

Review: | Aug 13, 2019

"Revamped" is a way of saying destroyed. The benefits are gone. And, so am I as of October when the 4th night free goes away. Using my Amex Platinum again starting in October.

Citi ThankYou® Premier Card

Citi ThankYou® Premier Card
Bonus:

Earn 60,000 points after you spend $4,000 within three months of opening the card. $95 fee.


Points:
3x on travel, including gas, 2x at restaurants and entertainment, 1x everywhere else. No foreign transaction fees. 

Coronavirus / COVID-19 Additional Benefits:

New cardholders who applied for a Citibank credit card between Dec. 1, 2019, and May 31, 2020, will get an additional three months to meet the sign-on bonus spending requirement. You'll get a total of six months to meet the bonus if you applied (or will apply) between those dates.

Points may be transferred to any of Citi's transfer partners listed here.   May alternatively be redeemed directly for travel at 1.25 cents per point.
Those who charge a lot on travel and restaurants, and who can take advantage of one of the Singapore Airlines redemptions outlined in this article (other rewards, including the direct credit on American Airlines, ordinarily provide less than the value ascribed here.).

United Quest Card

United Quest Card
Bonus:

100,000 United Mileage Plus points.  Earn 80,000 points after spending $5,000 within your first 3 months and an additional 20,000 points if you spend an additional $5,000 with your first 6 months.   $250 annual fee.


Points:

Earn 3x on United, 2x on other travel and streaming services and dining and 1x everywhere else.

As few as 70,000 United miles can still redeemed on any of its Star Alliance® partners for a one-way business class ticket from anywhere in the US to anywhere in Europe.   Star Alliance® partners include Lufthansa, TAP Portugal, Austrian Air and SAS Airlines.   You can also redeemed 140,000 points for a business class ticket from JFK to Narita, or redeem 30,000 points for an intra-Europe round-trup coach class ticket on a Star Alliance® partner.

 

Capital One® Venture® Rewards Card

Capital One® Venture® Rewards Card
Bonus:

Earn 50,000 bonus miles when you spend $3,000 within 3 months of account opening, or 100,000 bonus miles if you spend $20,000 within 12 months of account opening.  $95 annual fee.


Points:
Earn 2x miles for every dollar spent.   Earn 10x miles at hotels.com.   
Redeem miles against a statement credit at 1 mile per penny against travel charges to your card.
Those who like flexibility and want to redeem their rewards without worry about airline redemption blackout dates.

Review: | Aug 13, 2019

This is a shit card from a shit company. Stick with Chase, American Express, Citibank and Barclays. Those companies may annoy you by sending you transfer checks. They won't compromise your personal identity, harass you to get you to take out all sorts of loans or provide you with lousy service. All for what? 50,000 worthless points.

Citi American Airlines® Advantage Platinum Select World Mastercard®

Citi American Airlines® Advantage Platinum Select World Mastercard®
Bonus:

50,000 points after spending $2,500 within 3 months.  $99 annual fee, waived the first year.


Points:
2x points on American, 2x at gas stations, 2x at restaurants, 1x everywhere else. 

Coronavirus / COVID-19 Additional Benefits:

New cardholders who applied for a Citibank credit card between Dec. 1, 2019, and May 31, 2020, will get an additional three months to meet the sign-on bonus spending requirement. You'll get a total of six months to meet the bonus if you applied (or will apply) between those dates.

45,000 miles gets a round trip ticket between the US and Europe during low season.
Those who fly American Airlines or who seek to redeem points on American.

Barclays Aviator® Red World Elite Mastercard®

Barclays Aviator® Red World Elite Mastercard®
Bonus:

60,000 American AAdvantage Points after making your first purchase within 90 days of receiving the card.  $95 annual fee.


Points:

Earn 2x for every dollar spent on American, 1x everywhere else.  Also receive 3,000 American Elite Qualifying Dollars after spending $25,000 in a calendar year.  

45,000 miles gets a round trip ticket between the US and Europe during low season.

Those who fly American Airlines or who seek to redeem points on American.  Also may have value for those seeking a faster path towards status on American through their spend.

Also see our list of the 10 best credit cards based on the value of the welcome offer!

This table lists the best travel and rewards credit cards based on value received through ordinary use of the card for purchases. The value that you receive from any card may differ, based on your particular usage patterns and whether you redeem points you earn for the most valuable rewards. Use BestCashCow's Credit Card Maximizer to see the cards that may be most valuable for you based on your spending patterns.

But to get this level of reward takes some knowledge of how these credit cards work and also the various deals offered by the cards. Earning valuable travel rewards points is easy with the right credit card and a little bit of research and planning. It can also be exciting, even exhilarating. Most importantly, it can enable you to travel the world in a class of service that you might not otherwise be able to afford, or to see places that might otherwise be prohibitively expensive to get to.

It is important to note that rewards cards do not make sense for those who plan to carry a balance. For those looking to finance purchases on their card, a low interest credit card is the better choice. But, if you pay off your balances monthly, flexible rewards points or travel rewards in the form of hotel points and air miles will provide you with the most value for your credit card spend.


The table above is generated by BestCashCow and includes BestCashCow’s commentary about the credit card product listed. It may include references to products from one or more of advertisers, but no content herein has not been reviewed, approved or endorsed by any advertiser. We may receive compensation when you click on links to products. Additional terms may apply.