Choosing a credit card can be a challenging decision to make. There are countless options, and you want the best rewards program available — and the best rate depending on your FICO Score.
Kelly Albiston, SVP digital banking at Mountain America Credit Union says,”There are a lot of great options for travel credit cards. Picking the right one depends on what you are looking for, and there are many options to choose. Some offer flexibility to use rewards across many airlines and hotels, others offer elevated status and unique perks by carrying an airline/hotel specific card. Many of these cards have high annual fees and interest rates that you need to account for in your decision. By finding the right card, you can earn rich rewards to help you make the most of your excursions.”
So depending on what your value most, there is a travel credit card option for you. Based on rates and rewards, these are the best for 2019:
Visa Rewards Credit Card
The Visa Rewards Credit Card is a perfect card for those looking to gain travel rewards like rebates, gift cards, events tickets, cash back and more. Users get Visa Rewards Points, low rates, no annual fees, and no balance transfer fees.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card offers 50,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months, and those points that are transferable to many frequent flyer and hotel loyalty programs, so you get options. Plus, your points are worth 25 percent more when you redeem them for travel.
American Express Platinum Card
The American Express Platinum Card does carry a hefty annual fee, but the $550 might be worth it for some. It gets you 60,000 welcome bonus miles and 5 times as many membership rewards points on flights booked directly with airlines or with American Express travel and prepaid hotels that you book through amextravel.com.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Card is perfect for those who require flexibility. The annual fee is waived the first year and then costs a reasonable $95. You earn two miles for every $1 you spend and, if you book through Hotels.com, you’ll earn 10 miles per $1 spent on the booking. You also earn a free night stay for every 10 nights booked on the site. Lastly, your miles can be redeemed for flights, hotel stays, cars rentals and cruises.
Starwood Preferred Guest American Express Luxury Card
The Starwood Preferred Guest American Express Luxury Card is another big-annual fee, big-rewards option for those who move around a lot. Those approved can earn 6 times as many points on eligible purchases at participating SPG and Marriott Rewards hotels, 3 times as many points at U.S. restaurants and on flights booked directly with airlines, and twice as many points on all other eligible purchases. And that’s not all: You can get $300 in statement credits after your first year and a free night at a participating hotel each year on the anniversary of you joining.
British Airways Visa Signature Card
For those looking to travel to Great Britain more, the British Airways Visa Signature Card offers users 50,000 Avios — British Airways version of sky miles — after you spend $3,000 in the first three months. You’ll also earn an additional 25,000 Avios after you spend $10,000 in the first year and an extra 25,000 Avios after you spend $20,000 total in the first year.