SwitchWizeSmart financial decisions

Compare · 14 verified cards · Updated July 2026

Best travel credit cards for how you spend

Tell us your monthly spend and we rank every card by the real dollars it puts back in your pocket — bonus, rewards, and fees included. No marketing headlines.

Independent by designWe rank by value to you — not commissionEvery issuer pays us the same: nothing for a higher rankEstimates use your spend, not a marketing headlineRead methodology →
Your monthly spend$2,500/mo
Your top pick earns
$1,205
in year one with Chase Sapphire Preferred, at this spend.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
All CardsCash BackTravel & MilesBalance TransferNo Annual FeeBusinessBuild Credit
Showing 14
1Our top pick

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

CH
Chase
Full review

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ChaseTravelVerified

Chase Sapphire Preferred

Trust 95
  • 3x points on travel & dining
Sign-up bonus
$1K
first year
Annual fee
$95
Ongoing APR
19%+
see issuer terms
Rewards rate
3.0%
points on travel & dining
Est. first-year value
$1,205
Sign-up bonus$1,000
Rewards earned (base)+$300
In bonus categoriesup to +$900
Annual fee-$95
Then $205/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
2Why #2

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

CH
Chase
Full review

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ChaseTravelVerified

Chase Sapphire Reserve

Trust 95
  • 4x points on Travel & Dining
Sign-up bonus
$1K
first year
Annual fee
$795
Ongoing APR
19%+
see issuer terms
Rewards rate
4.0%
points on travel & dining

8x via Chase Travel, 4x on flights & hotels booked direct, 3x dining, 1x else. Points redeem at 1.5¢ via Chase Travel or transfer 1:1 to partners. $795 fee offset by travel & dining credits.

Est. first-year value
$505
Sign-up bonus$1,000
Rewards earned (base)+$300
In bonus categoriesup to +$1,200
Annual fee-$795
Then $-495/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
3Why #3

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

CI
Citi
Full review

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CitiTravelVerified

Citi Strata Elite

Trust 95
  • 5x points on travel
Sign-up bonus
$750
first year
Annual fee
$595
Ongoing APR
20%+
see issuer terms
Rewards rate
5.0%
points on travel
Est. first-year value
$455
Sign-up bonus$750
Rewards earned (base)+$300
In bonus categoriesup to +$1,500
Annual fee-$595
Then $-295/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
4Why #4

Ranked with verified fee, rewards, APR, bonus, and source data.

CI
Citi
Full review

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CitiTravelVerified

Citi Strata Premier

Trust 95
  • 3x points on travel
Sign-up bonus
$600
first year
Annual fee
$95
Ongoing APR
20%+
see issuer terms
Rewards rate
3.0%
points on travel
Est. first-year value
$805
Sign-up bonus$600
Rewards earned (base)+$300
In bonus categoriesup to +$900
Annual fee-$95
Then $205/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
5Why #5

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

CI
Citi
Full review

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CitiTravelVerified

Citi Strata

Trust 95
  • 15-month 0% intro APR
  • No annual fee
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
1.5%
points per $1 spent
Est. first-year value
$650
Sign-up bonus$200
Rewards earned+$450
Annual fee$0
Then $450/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
6Why #6

Ranked with verified fee, rewards, APR, bonus, and source data.

BO
Bank of America
Full review

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Bank of AmericaTravelVerified

Atmos Rewards Ascent Visa Signature

Trust 95
  • No annual fee
  • 2.0% rewards on all purchases
Sign-up bonus
—
No bonus
Annual fee
$0
Ongoing APR
17%+
see issuer terms
Rewards rate
2.0%
on eligible spend
Est. first-year value
$600
Sign-up bonus$0
Rewards earned+$600
Annual fee$0
Then $600/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
7Why #7

Earn 80,000 Bonus Miles after you spend $4,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2

AE
American Express
Full review

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American ExpressTravelVerified

Delta Skymiles Platinum American Express

Trust 92
  • up to 3x miles in bonus categories
Sign-up bonus
$800
first year
Annual fee
$350
Ongoing APR
19%+
see issuer terms
Rewards rate
3.0%
miles per $1 spent
Est. first-year value
$750
Sign-up bonus$800
Rewards earned (base)+$300
In bonus categoriesup to +$900
Annual fee-$350
Then $-50/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
8Why #8

You may be eligible for as high as 175,000 Membership Rewards points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and y

AE
American Express
Full review

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American ExpressTravelVerified

Platinum

Trust 92
  • 5x points on travel
Sign-up bonus
$800
first year
Annual fee
$695
Ongoing APR
19%+
see issuer terms
Rewards rate
5.0%
points on travel
Est. first-year value
$405
Sign-up bonus$800
Rewards earned (base)+$300
In bonus categoriesup to +$1,500
Annual fee-$695
Then $-395/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
9Why #9

You may be eligible for as high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and yo

AE
American Express
Full review

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American ExpressTravelVerified

Gold

Trust 92
  • 4x points on dining
Sign-up bonus
$600
first year
Annual fee
$325
Ongoing APR
19%+
see issuer terms
Rewards rate
4.0%
points on dining
Est. first-year value
$575
Sign-up bonus$600
Rewards earned (base)+$300
In bonus categoriesup to +$1,200
Annual fee-$325
Then $-25/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
10Why #10

Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

CO
Capital One
Full review

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Capital OneTravelVerified

Venture Rewards

Trust 88
  • 2.0x miles per $1 on all purchases
Sign-up bonus
$750
first year
Annual fee
$95
Ongoing APR
19%+
see issuer terms
Rewards rate
2.0%
miles per $1 spent
Est. first-year value
$955
Sign-up bonus$750
Rewards earned (base)+$300
In bonus categoriesup to +$600
Annual fee-$95
Then $205/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
1 / 2
Estimates use your $2,500/mo spend·Card terms reviewed regularly·Incomplete card economics are excluded from rankings·How we rank & value cards

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