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From generous sign-up bonuses to flexible redemption options to exclusive travel credits, the best travel rewards credit cards set themselves apart from other credit cards by offering an array of benefits that make it easier and more rewarding to explore the world. These high-end credit card offerings provide generous rewards and perks tailored to the needs of frequent travelers.

We analyzed a broad swath of credit cards in this category, from a variety of issuers, to curate a list of the very best travel rewards credit cards. Here are our selections.

Be sure to compare these cards to those on our lists of the best credit cards to view them outside of the context of this list. Though there are a wide range of cards, our list may not have the best card for your unique needs.

Best travel rewards credit cards of August 2023

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

Best travel rewards credit cards of August 2023

Best travel rewards

Capital One Venture X Rewards Credit Card

*

The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Venture X Rewards Credit Card
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.

75,000 miles
Annual Fee
$395
Regular APR
21.99% – 28.99% (Variable)
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(750 – 850) Excellent Credit
Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.
Editor’s Take
Pros
  • High reward potential.
  • Wide selection of statement credits.
  • No foreign transaction fees.
Cons
  • No hotel or airline-specific benefits.
  • Requires excellent credit.
  • High annual fee.
The Capital One Venture X Rewards Credit Card offers premium benefits at a lower annual fee than competing premium cards. With over a dozen airline transfer partners and over $400 in annual recurring perks, it’s well worth the annual fee.
Card Details
  • Annual fee: $395.
  • Rewards: 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
  • Welcome bonus: 75,000 miles after spending $4,000 on purchases in the first three months of account opening.
  • APR: 21.99% to 28.99% variable APR on purchases and balance transfers.
  • Other perks and benefits: No foreign transaction fees, 10,000 mile card ownership anniversary bonus, up to $300 annual statement credit reimbursement for travel bookings made through Capital One Travel, $100 Global Entry or TSA PreCheck application reimbursement credit, airport lounge access benefits, cellphone protection benefit, transfer miles to travel and hotel partners, Hertz President’s Circle Status.

Best travel card for booking travel through the issuer

Chase Sapphire Reserve®

Chase Sapphire Reserve®
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.

60,000 bonus points
Annual Fee
$550
Regular APR
22.24% – 29.24% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(750 – 850) Excellent
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining. Earn 1x points on all other purchases.
Editor’s Take
Pros
  • Up to $300 annual travel credit and Priority Pass Select lounge access.
  • Redeem points for 50% more value to book travel through Chase’s portal.
  • Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
Cons
  • High annual fee.
  • Not ideal if you aren’t interested in transferring points.
  • May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
The Chase Sapphire Reserve is one of the most premium travel credit cards available. It charges a hefty annual fee, but in exchange comes with an up to $300 annual travel credit, a top-notch list of travel partners you can transfer points to, a Priority Pass Select airport lounge membership (enrollment required) and a long list of travel benefits and protections.
Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Best travel card for renters

Bilt World Elite Mastercard®

Bilt World Elite Mastercard®
Apply Now
On Bilt’s Secure Website
Welcome Bonus

N/A

N/A
Annual Fee
$0
Regular APR
See terms
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
1x on rent payments without a transaction fee (on up to 100,000 points each calendar year). 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company). 3x points on dining. Plus, 1x points on other purchases. Use the card 5 times to earn points each statement period.
Editor’s Take
Pros
  • Earns rewards on rent payments.
  • No transaction fee for paying rent by credit card.
  • No annual fee or foreign currency conversion fee.
Cons
  • You must make five transactions per billing period to earn rewards.
  • No welcome bonus or intro APR period.
  • Restrictive definition of what counts as a travel purchase.
It’s almost unheard of for a credit card to offer specific rewards for paying rent, but the Bilt Mastercard does. Not only that, but the card also allows you to avoid the transaction fee that most landlords tack on for paying rent by credit card. The no-annual-fee card also earns elevated rewards rates on dining and travel, lets you transfer points 1:1 to airline and hotel partners and provides an auto rental collision damage waiver, too.
Card Details
  • $0 annual fee
  • Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
  • Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
  • Earn points when you make 5 transactions that post each statement period
  • Cell Phone Protection
  • Purchase Security (theft and damage protection)
  • World Elite Concierge
  • DoorDash Credits
  • Lyft Credits
  • No foreign currency conversion fee
  • Rewards & benefits terms
  • Select ‘Apply Now’ to learn more about the product features, terms, and conditions.

Best travel card with a low annual fee

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points
Annual Fee
$95
Regular APR
21.24% – 28.24% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases, plus more.
Editor’s Take
Pros
  • Flexible points that can be transferred to 14 travel partners or redeemed through Chase Ultimate Rewards® at 1.25 cents each.
  • $50 annual statement credit toward Ultimate Rewards hotel bookings.
  • Valuable travel protections.
Cons
  • $95 annual fee.
  • Category bonuses are limited and not competitive against other travel cards.
  • Transfer partner list is limited compared to programs like Amex Membership Rewards and Citi ThankYou.
The Chase Sapphire Preferred may not have a premium fee but it comes packed with enough benefits to stand tall in a crowded field of travel cards. It earns rewards at generous rates on travel purchased through Chase and on dining, and offers the same lineup of transfer partners as the more expensive Chase Sapphire Reserve®, plus a robust selection of travel protections.
Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best travel card for the value for airline benefits

United℠ Explorer Card

*

The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

United℠ Explorer Card
Welcome Bonus

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 60,000 bonus miles
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.49% – 28.49% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases.
Editor’s Take
Pros
  • Reasonable annual fee
  • Ability to earn elite status via credit card spending.
  • Access to United Saver awards.
Cons
  • United miles are more limited in use than transferable rewards like Chase Ultimate Rewards®.
  • Benefits are not useful for those who don’t often fly United.
  • Very limited airport lounge access.
The United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is hard to beat if you want an airline card tied to a domestic legacy carrier. Whether you’re looking to travel abroad or domestically, United miles can get you there, while the card’s various perks can improve your journey, like a free checked bag for you and one companion on your reservation.
Card Details
  • Annual fee: $0 intro annual fee for the first year, then $95.
  • Rewards: Earn 2 miles per $1 on dining including eligible delivery services, hotel stays and United purchases and 1 mile per $1 on all other purchases.
  • Welcome bonus: Earn 60,000 miles after spending $3,000 on purchases in the first three months of account opening.
  • APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
  • Perks and benefits: Free first checked bag for the primary cardmember and one travel companion, priority boarding for the primary cardmember and travel companions on the same reservation, two annual United Club passes, complimentary Premier Upgrades on award tickets for MileagePlus Premier members and one companion on the same reservation, earn 500 Premier Qualifying Points (PQP) for every $12,000 spent, up to a maximum of 1,000 PQP per calendar year, 25% back on United in-flight purchases, up to $100 as a statement credit for Global Entry, TSA Precheck or NEXUS every four years.
  • Foreign transaction fees: $0.

Best travel card for premium airline perks

The Platinum Card® from American Express

*

The information for the The Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Platinum Card® from American Express
Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 5 Membership Rewards® Points per $1 on prepaid hotels booked with American Express Travel and on flights booked directly with airlines or AMEX travel. The airline benefit is limited to the first $500K in purchases per calendar year. Earn 1 point for every $1 spent on other eligible purchases.
Editor’s Take
Pros
  • Over $1,500 in travel and entertainment credits can offset the annual fee.
  • Comprehensive lounge access benefit.
  • Generous travel and purchase protections.
Cons
  • High annual fee and spending requirements.
  • Amex’s once-per-lifetime rule limits welcome bonus eligibility.
  • Annual statement credits have limited use.
The Platinum Card® from American Express * The information for the The Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is packed with unparalleled luxury travel perks. Cardmembers have access to a wide range of airport lounges, mid-tier hotel elite status and a comprehensive set of travel protections.
Card Details
  • Annual fee: $695.
  • APR: See Pay Over Time APR.
  • Rewards: Earn 5 Membership Rewards points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 80,000 Membership Rewards Points after spending $6,000 on purchases in the first six months of card membership.
  • Foreign transaction fees: None.
  • Perks and benefits: Up to $300 yearly statement credit toward a club membership at Equinox, up to $240 yearly digital entertainment credit valid for eligible providers, up to $200 annual airline fee statement credit valid on select carriers, up to $200 annual hotel credit valid on prepaid bookings through Fine Hotels + Resorts® or The Hotel Collection, up to $200 Uber Cash in monthly increments, $155 annual Walmart+ credit, up to $100 credit towards Saks Fifth Avenue purchases ($50 semiannually), $189 annual credit towards CLEAR® membership, up to $100 application fee credit towards Global Entry or TSA Precheck every four years, complimentary Hilton and Marriott Gold elite status, rental car elite status with Avis, Hertz, National, extensive travel and purchase protections. Enrollment is required for select benefits.

Best low-cost hotel card

The World of Hyatt Credit Card

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The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The World of Hyatt Credit Card
Welcome Bonus

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Earn up to 60,000 Bonus Points
Annual Fee
$95
Regular APR
21.24% – 28.24% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn up to 9 points total per $1 spent at Hyatt – 4 bonus points per $1 when you use your card at Hyatt hotels & 5 bonus points per $1 from Hyatt as a World of Hyatt member. Earn 4 points per $1 spent at Hyatt hotels and 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. All other eligible purchases earn 1 point per $1.
Editor’s Take
Pros
  • High rewards potential on hotel bookings through Hyatt.
  • Points don’t expire.
  • Free night certificate each year.
Cons
  • There’s a $95 annual fee.
  • Hyatt doesn’t have as expansive a footprint as Marriott and Hilton.
  • High APR.
The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a great option for Hyatt loyalists. It provides an annual free night perk, a strong rewards program and the opportunity to redeem points for valuable award stays. Plus, it comes with complimentary Discoverist status and solid travel and purchase protections — all for a reasonable annual fee.
Card Details
  • Annual fee: $95.
  • Rewards: 9 points total per $1 at Hyatt — 4 points at Hyatt hotels and 5 base points per $1 from Hyatt as a World of Hyatt member. Earn 2 points per $1 at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per $1 on all other purchases.
  • Welcome bonus: 30,000 points after spending $3,000 on purchases in the first three months, plus up to 30,000 points by earning 2 points per $1 total on up to $15,000 in the first six months of account opening (then 1 point).
  • APR: 21.24% to 28.24% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
  • Perks and benefits: One free night at any category 1-4 Hyatt hotel or resort every year after your card opening anniversary, plus an extra free night if you spend $15,000 on the card throughout the year, one year of no-extra-charge DashPass, automatic Discoverist status and credits toward the next level of World of Hyatt elite status, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, auto rental collision damage waiver, Visa Signature Concierge and purchase protection.
  • Foreign transaction fees: $0.

Best travel card for premium hotel perks

Hilton Honors American Express Aspire Card

*

The information for the Hilton Honors American Express Aspire Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Honors American Express Aspire Card
Welcome Bonus

Earn 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first 3 months of card membership.

Earn 150,000 points
Annual Fee
$450
Regular APR
20.99% – 29.99% variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 14X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and at U.S. restaurants; Earn 3X points on other eligible purchases.
Editor’s Take
Pros
  • High rewards rates on Hilton bookings, flights and dining.
  • Lounge access, annual credits and complimentary Diamond status.
  • A free night each year with the potential to earn a second.
Cons
  • High $450 annual fee.
  • Hilton points often have a lower redemption value than competing programs.
  • May require significant effort to take advantage of the annual credits.
The Hilton Honors Aspire Card from American Express offers many perks and benefits for travelers seeking a premium hotel card and luxury travel experience. Though the annual fee is fairly steep, the benefits and rewards from this card are stellar for those who frequent hotels within the Hilton portfolio, fly regularly and spend heavily on dining out.
Card Details
  • Annual fee: $450.
  • Rewards: 14 Hilton Honors points per $1 at hotels or resorts in the Hilton Portfolio, 7 points per $1 on flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies and U.S. restaurants and 3 points per $1 on other purchases.
  • Welcome bonus: 150,000 Hilton Honors points after spending $4,000 on purchases in the first three months of card membership.
  • Perks and benefits: Complimentary Hilton Honors Diamond status, annual free night reward with the opportunity to earn a second free night after spending $60,000 on the card in a calendar year, up to $250 in statement credit for eligible purchases through participating Hilton resorts, up to $250 airline fee statement credit for incidental charges on your selected airline, up to $100 in property credit when you book a two-night minimum stay at Waldorf Astoria Hotels & Resorts or Conrad Hotels & Resorts, Priority Pass Select membership (enrollment required for select benefits).
  • APR: 20.99% to 29.99% variable APR on purchases
  • Foreign transaction fees: None.

Best travel card for road warriors

Wyndham Rewards Earner® Plus Card

*

The information for the Wyndham Rewards Earner® Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Wyndham Rewards Earner® Plus Card
Welcome Bonus

Earn 75,000 bonus points, enough for up to 10 free nights at participating properties after spending $1,000 on purchases in the first 90 days.

75,000 points
Annual Fee
$75
Regular APR
20.74%, 24.99% or 29.99% variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; Earn 4 points per $1 spent on eligible restaurant and grocery store purchases (excluding Target® and Walmart®); Earn 1 point per $1 spent on purchases everywhere else.
Editor’s Take
Pros
  • High rewards rates on Wyndham hotel stays, gas and groceries.
  • Valuable welcome bonus and account anniversary bonus points.
  • Automatic Wyndham Rewards Platinum status.
Cons
  • $75 annual fee.
  • Redemptions other than Wyndham bookings likely to offer subpar value.
  • Lacking in travel and purchase protections.
The Wyndham Rewards Earner Plus Card earns points on hotels, gas and groceries at a reasonable annual fee, making it an excellent choice for road warriors. And, you automatically get Wyndham Rewards Platinum status for holding this card. However, Wyndham is not known for its luxury hotel offerings, so be sure to check that the company’s properties are in line with your expectations before committing to this rewards program and a card with an annual fee.
Card Details
  • Annual fee: $75.
  • Rewards: 6 points per $1 on Hotels By Wyndham and gas purchases, 4 points per $1 on restaurants and grocery purchases (excluding Target and Walmart) and 1 point per $1 on all other purchases.
  • Welcome bonus: 75,000 points, enough for up to 10 free nights, after spending $1,000 on purchases in the first 90 days of account opening.
  • APR: 0% intro APR on Wyndham Timeshare purchases made in the first 6 billing cycles, then a variable APR of 20.74%, 24.99% or 29.99% on purchases and balance transfers. A 0% introductory APR on balance transfers made within the first 45 days is applicable for the first 15 months. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.
  • Perks and benefits: Wyndham Rewards Platinum status, annual bonus of 7,500 points, 10% discount when redeeming for go free® awards.
  • Foreign transaction fees: None.

Best travel card for commuters

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo’s Secure Website
Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value

20,000 bonus points
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% variable APR
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn unlimited 3 points per $1 on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1 point per $1 on other purchases.
Editor’s Take
Pros
  • Generous rewards rate across a wide range of categories.
  • No annual fee.
  • Introductory APR period on purchases.
Cons
  • Minimal cardholder perks compared to other cards.
  • Potentially high purchase APR after the introductory period.
  • Lacks an intro APR period on balance transfers.
The Wells Fargo Autograph℠ Card comes with a generous rewards program likely to entice commuters — particularly those who use transit services — as well as foodies. It’s somewhat light on benefits, but for no annual fee, there’s a lot to love about the Autograph.
Card Details
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.

Compare the best credit cards for travel rewards:

Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
Capital One Venture X Rewards Credit Card
Excellent Credit (750 – 850)
Best travel rewards
$395
75,000 miles  

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.

Chase Sapphire Reserve®
Excellent (750 – 850)
Best travel card for booking travel through the issuer
$550
60,000 bonus points  

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.

Bilt World Elite Mastercard®
Good, Excellent (700 – 749)
Best travel card for renters
$0
N/A  

N/A

Chase Sapphire Preferred® Card
Good, Excellent (700 – 749)
Best travel card with a low annual fee
$95
60,000 bonus points  

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.

United℠ Explorer Card
Good, Excellent (700 – 749)
Best travel card for the value for airline benefits
$0 intro annual fee for the first year, then $95
Earn 60,000 bonus miles  

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

The Platinum Card® from American Express
Good, Excellent (700 – 749)
Best travel card for premium airline perks
$695
Earn 80,000 points  

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

The World of Hyatt Credit Card
Good, Excellent (700 – 749)
Best low-cost hotel card
$95
Earn up to 60,000 Bonus Points  

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Hilton Honors American Express Aspire Card
Good, Excellent (700 – 749)
Best travel card for premium hotel perks
$450
Earn 150,000 points  

Earn 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first 3 months of card membership.

Wyndham Rewards Earner® Plus Card
Good, Excellent (700 – 749)
Best travel card for road warriors
$75
75,000 points  

Earn 75,000 bonus points, enough for up to 10 free nights at participating properties after spending $1,000 on purchases in the first 90 days.

Wells Fargo Autograph℠ Card
Good, Excellent (700 – 749)
Best travel card for commuters
$0
20,000 bonus points  

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value

Best travel rewards credit cards of August 2023
Capital One Venture X Rewards Credit Card *

The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $395.
  • Rewards: Earn 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
  • Welcome bonus: Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: The Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers great value with its lineup of travel credits, including an up to $300 annual statement credit reimbursement for travel bookings made through Capital One Travel, Capital One’s online travel agency. Among its many other benefits, the card offers airport lounge access, a cell phone protection benefit*, the ability to transfer miles to airline and hotel partners and more. The card’s miles don’t expire and bookings made with Capital One aren’t subject to blackout dates. Card ownership also comes with Hertz President’s Circle status** and through May 16, 2023 cardholders can earn 10 miles per dollar spent on rentals with Turo.
Chase Sapphire Reserve®
  • Annual fee: $550 plus $75 per authorized user.
  • Rewards: Earn 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.
  • Foreign transaction fee: $0.
  • Other benefits and drawbacks: The Chase Sapphire Reserve’s high $550 annual fee may be well worth paying for some cardholders, considering its appeal includes an up to $300 annual travel credit, luxurious access to airport lounges via both soon-to-be-opened Chase Sapphire Lounges and the Priority Pass Select network, food delivery service memberships, 1:1 points transfer to a long list of airline and hotel loyalty program partners and protections for travel, car rentals and purchases.
Bilt World Elite Mastercard®
  • Annual fee: $0.
  • Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
  • Welcome bonus: None.
  • Foreign currency conversion fee: None.
  • Other benefits and drawbacks: The Bilt World Elite Mastercard® offers novelty in its rent rewards and redeem-rewards-to-pay-rent ability. Plus, points can be transferred 1:1 to numerous airline and hotel partners. Finally, the card offers auto rental collision damage waiver and other perks such as trip delay reimbursement and trip cancellation and interruption protection.
Chase Sapphire Preferred® Card
  • Annual fee: $95.
  • Rewards: Earn 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
  • Welcome bonus: Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.
  • Foreign transaction fee: $0.
  • Other benefits and drawbacks: The Chase Sapphire Preferred® Card is the mid-tier, more affordable peer to the Chase Sapphire Reserve®. The Sapphire Preferred offers many rewards in the same vein, such as travel and purchase protections. While the Reserve offers 50% more value to points redeemed for travel through Chase Ultimate Rewards, the Sapphire only offers 25% more value. The card’s annual bonus point award equal to 10% of total purchases made in the past year and the ability to transfer points 1:1 to loyalty partners makes the card an excellent choice for those who don’t want to pay too steep an annual fee but want benefits that can compete with more luxurious travel rewards cards.
United℠ Explorer Card *

The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $0 intro annual fee for the first year, then $95.
  • Rewards: Earn 2 miles per $1 on dining including eligible delivery services, hotel stays and United purchases and 1 mile per $1 on all other purchases.
  • Welcome bonus: Earn 60,000 miles after spending $3,000 on purchases in the first three months of account opening.
  • Foreign transaction fee: $0.
  • Other benefits and drawbacks: The United Explorer provides cardholders what seems like a loaded 777 full of United Airlines-related benefits: a free checked bag, priority boarding on United flights, and 25% back as statement credits on in-flight purchases. The card also reimburses application fees for either Global Entry, TSA PreCheck or NEXUS every four years and offers a year of a complimentary DoorDash DashPass membership.
The Platinum Card® from American Express *

The information for the The Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $695 plus $175 for up to three additional cards, then $175 per card. (terms apply)
  • Rewards: Earn 5 Membership Rewards points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 80,000 Membership Rewards Points after spending $6,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: The Platinum Card® from American Express * The information for the The Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a luxurious addition to any wallet, granting access to a plethora of exclusive perks and benefits. While the high price point may be prohibitive for some, those who can afford this card can make their money back on the annual credits alone. Among its most notable are up to $200 in Uber Cash annually, an up to $200 airline incidentals statement credit, up to $300 Equinox statement credit after paying for any Equinox club membership (including single club membership), an up to $200 hotel statement credit for a prepaid stay booked via Fine Hotels or Resorts or The Hotel Collection and an up to $240 digital entertainment statement credit that can be used toward certain streaming services. Enrollment is required to enjoy these benefits. The high reward for travel purchases and exclusive access to Amex Centurion Lounges might make this card well worth it for those who travel frequently, but ensure you’ll receive the value of your annual fee before applying for this high-end travel rewards card.
The World of Hyatt Credit Card *

The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $95.
  • Rewards: Earn 9 points total per $1 at Hyatt — 4 points at Hyatt hotels and 5 base points per $1 from Hyatt as a World of Hyatt member. Earn 2 points per $1 at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per $1 on all other purchases.
  • Welcome bonus: Earn 30,000 points after spending $3,000 on purchases in the first three months, plus up to 30,000 points by earning 2 points per $1 total on up to $15,000 in the first six months of account opening (then 1 point).
  • Foreign transaction fee: $0.
  • Other benefits and drawbacks: The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. ‘s free night at any category 1-4 Hyatt hotel or resort after the card anniversary and the opportunity to earn additional nights makes this card a great option for those loyal to Hyatt. With travel and purchase protections and a year of a complimentary DashPass membership included, the card is perfect for travelers who frequently require hotel stays—but should be avoided for those who frequent locations where Hyatt doesn’t have properties.
Hilton Honors American Express Aspire Card *

The information for the Hilton Honors American Express Aspire Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $450 (terms apply).
  • Rewards: Earn 14 Hilton Honors points per $1 at hotels or resorts in the Hilton Portfolio, 7 points per $1 on flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies and U.S. restaurants and 3 points per $1 on other purchases.
  • Welcome bonus: Earn 150,000 Hilton Honors points after spending $4,000 on purchases in the first three months of card membership.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: If you frequently stay at Hilton hotels or resorts and would like to enjoy the additional perks of being an American Express customer, this card might be for you. Though the high annual fee may be prohibitive for some, the Hilton Honors Aspire card offers a variety of credits that can make it easy for frequent travelers to recoup the cost. Along with Priority Pass Select and complimentary Hilton Honors Diamond status, the card also offers an annual free night award (and an opportunity to earn a second) and a range of protections including return protection¹, baggage insurance² and auto rental collision damage waiver³. Enrollment is required for select benefits.
Wyndham Rewards Earner® Plus Card *

The information for the Wyndham Rewards Earner® Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • Annual fee: $75.
  • Rewards: 6 points per $1 on Hotels By Wyndham and gas purchases, 4 points per $1 on restaurants and grocery purchases (excluding Target and Walmart) and 1 point per $1 on all other purchases.
  • Welcome bonus: 75,000 points, enough for up to 10 free nights, after spending $1,000 on purchases in the first 90 days of account opening.
  • Foreign transaction fee: 0% of each transaction in U.S. dollars.
  • Other benefits and drawbacks: For the highway-bound, the Wyndham Rewards Earner® Plus Card * The information for the Wyndham Rewards Earner® Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers limited extra benefits to complement its heavy-roller rewards. Among the benefits the card does deliver are complimentary Wyndham Rewards Platinum membership, anniversary bonuses and a cardmember booking discount.
Wells Fargo Autograph℠ Card
  • Annual fee: $0.
  • Rewards: Earn 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 20,000 points after spending $1,000 in purchases in the first three months of account opening.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: The Wells Fargo Autograph℠ Card has a stellar range of rewards categories, but its benefits are somewhat limited. It does offer roadside dispatch service and travel and emergency services assistance, as well as cell phone protection (up to $600, two claims per 12-month period and subject to a $25 deductible) and auto rental collision damage waiver.

Should you apply for a travel reward credit card?

“Travel rewards cards are a great way to leverage personal and business card use and turn it into free airline tickets and hotel rooms. Be sure to choose a card that has rewards that are applicable to your preferred airline and hotel brands”—John Ulzheimer, owner, The Ulzheimer Group and nationally recognized credit expert

Whether you’re a frequent traveler or are just looking for an occasional getaway, there’s likely a travel rewards credit card out there that can help you maximize your savings.

With many travel rewards credit cards, you can often earn bonus category rewards on airfare, hotels, car rentals and even dining. These cards typically also offer bonus points or miles when you spend a certain amount within the first few months of opening the account—known as a welcome bonus or welcome offer. Some will also offer perks such as travel protections, elite status in airline or hotel loyalty programs, priority boarding and airport lounge access.
However, travel cards aren’t ideal in every situation. These cards often have high APRs, and if you ever carry a balance, interest charges can add up quickly. A 0% intro APR credit card would be better in that case. Also, know that travel cards tend to be aimed at applicants with good or better credit. If your credit is poor or fair, you might have better luck applying for a secured card, which can help you improve your credit score over time through responsible behavior.

Flexible rewards vs airline or hotel credit cards

For those who travel often, the best option is likely a card that will earn flexible points or miles on each purchase. Flexible points or miles are not tied to a specific airline or hotel loyalty program but rather a card issuer’s travel agency redemption program. Chase Ultimate Rewards and American Express Membership Rewards are two examples, but Capital One and other major issuers have similar programs.

Airline- and hotel-specific cards offer rewards tied to a loyalty program with the airline or hotel, and typically offer better value with that carrier or brand, but not as much flexibility with redemption options. Only apply for a card like these if you’re sure the brand is the one you want.

If you only take an occasional trip, then a different type of reward card may be a better choice. Cash-back cards offer simpler reward redemptions and the rewards earned can still be used toward future trips or redeemed for gift cards or other rewards if travel remains a priority.

No matter which type of traveler you are, there’s likely a travel rewards credit card that can help you get more value from your travel. Before applying for any credit card, it’s important to compare all of the available options to find one that best fits your needs and budget.

Evaluating reward potential

We evaluate the reward potential of travel rewards credit cards based on what we’d expect a household in the 50th percentile of wage earners to spend each year on a credit card. We gather these figures from the government and other publicly available data. 

In a year, we expect a household might make about $84,352 and spend about $25,087 of this on a credit card. Of this credit card spending, we’d expect about $2,941 to be spent on overall travel—which breaks down as $1,188 spent on airfare, $868 spent on hotels and $885 spent on all other travel. For frequent travelers carrying high-annual-fee travel rewards cards—like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which charges a $395 annual fee—we expect about twice this much spending in the travel categories. 

Since the Venture X earns 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and 10 miles per $1 on hotels and rental cars booked via Capital One Travel, our hypothetical household could earn about 85,350 miles per year, assuming the spending lumped under other travel was on car rentals.

In short, the right travel card can net you lucrative rewards. But make sure to select a card based on your spending and travel habits—the best card will differ from person to person.

Guide to travel rewards credit cards

Travel rewards credit cards can be a great way to earn more value on your next vacation or business trip. They often provide a wide range of benefits, from travel and purchase protections to airfare and hotel stay redemptions.

Understanding the types of travel rewards cards available is the first step to finding the right card for you. There are several major classifications:

  • Airline-specific cards: These cards offer exclusive discounts and rewards when you use them with a specific airline. Many also offer free companion tickets or priority boarding benefits.
  • Hotel-specific cards: These cards may give you access to exclusive discounts at certain hotel chains and resorts, as well as points to be redeemed for free nights or upgrades. Hotel loyalty status is a common benefit among these cards.
  • Flexible or point-reward cards: These cards allow you to earn points for every dollar spent that can be redeemed for flights, hotel stays, car rentals and other travel bookings. Often issued by major issuers with online travel booking portals, these cards may also allow you to transfer points to airline or hotel partners, providing the most flexibility when it comes to redemptions.
  • Cash-back cards: These cards allow you to earn cash back on all your purchases. Once you’ve redeemed cash back into your bank account, there’s nothing preventing you from using it toward travel expenses like airfare, hotels, car rentals and more.

When it comes to choosing the right card for your needs, there are several factors to consider. First, evaluate what type of reward you want to earn. Do you want points that can be redeemed for flights, hotels, and other travel expenses? Or do you prefer cash back on all your purchases? Different cards offer different types of rewards, so it’s important to pick one that best suits your needs.

Next, look at the welcome bonus (sometimes called a sign-up bonus) offered by the card. Many cards offer a generous sign-up bonus when you make a certain amount of purchases in the first few months of receiving the card. This can be an easy way to get an infusion of rewards when you first open your account.

Then, consider the annual fee and any additional fees associated with the card. Some cards have no annual fee, while others have a high annual fee but offer more generous rewards or benefits. Make sure you understand all the fees associated with each card before making a decision so that you don’t end up paying more than you’d like.

Finally, check out any additional benefits offered by the card such as travel insurance or access to exclusive discounts and offers. Many cards offer perks like these which can help make your travel smoother and your card more cost effective.

With so many different types available, it’s important to do your research and choose the one that best fits your needs. Ensure you don’t pay a high annual fee only to receive benefits you’d never actually use. And ensure the points you earn are points you’ll spend—points do not earn interest and may expire (depending on the issuer and the specific card), so unless you’re saving for a specific redemption, it’s generally best practice to use your points whenever you can.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. We factored the following into our analysis: account annual fees, rewards rates, value of rewards, redemption options and any additional benefits that a card may offer for travelers.

Frequently asked questions (FAQs)

Travel reward credit cards earn points or miles for every dollar spent. These points can typically be redeemed for award travel including flights, hotels, car rentals, and other travel bookings. 

Some cards offer bonus points for purchases made in certain categories, such as purchases made with airlines or at grocery stores. Many cards also offer welcome bonuses for meeting certain spending requirements, and provide a wide variety of travel-related protections and other benefits.

The wide variety of travel reward credit cards available include cards offering airline miles, hotel loyalty points or flexible travel rewards. Airline-specific cards typically offer bonus miles for purchases made with the airline and its partners, as well as discounts on in-flight purchases and other perks. Hotel-specific cards typically offer bonus points for purchases made with the hotel chain and its partners, as well as discounts on stays and other perks. Flexible travel rewards cards typically offer general points redeemable for travel through an issuer’s travel agency or to transfer to airline and hotel loyalty programs the issuer partners with.

The exact credit score needed for a travel rewards credit card will vary depending on the issuer and the specific card. Generally, you will need at least a good credit score—670-739 on the FICO scale—to be approved for most travel rewards cards. However, some of the more premium cards may require an excellent credit score—740 or higher on the FICO scale.

The most rewarding travel rewards cards, including most of the cards on this list, are not likely to offer approval to anyone without a healthy credit rating or without substantial income. Card issuers want to ensure cardholders will not skip out on the bill, so it’s important to demonstrate a reliable, responsible credit use by way of a strong credit score. If you don’t currently have a healthy credit score, consider ways that you could improve your credit before applying.

Which type of card is best for you will depend on your spending habits and your financial goals. If you’re a loyal frequent flyer at an airline, an airline rewards card might make more sense. If you spend plentifully at a specific hotel brand, you may be better suited to a hotel credit card.

If you’re not sure, or you have a wider variety of needs, a card with flexible point currencies—like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or Chase Sapphire Preferred® Card—may be a better bet.

Finally, If you’re looking for a simple way to get cash back on everyday purchases, then a cash-back credit card may be the way to go. Ultimately, the best choice depends on your individual needs and preferences.

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

**Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Editor’s note: This article contains updated information from previously published stories:

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Chauncey grew up on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.