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U.S. Bank Business Altitude™ Power World Elite Mastercard®
U.S. Bank Business Altitude™ Power World Elite Mastercard®
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Business Altitude™ Power World Elite Mastercard® is a business rewards card for that earns up to 2.5X points on eligible purchases with mobile wallets, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 6X points on on hotels and car rentals booked in the U.S. Bank Rewards Center
- 2.5X points on up to $5,000 in mobile wallet purchases each quarter
- 2X points on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 32.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on mobile wallet purchases
- You plan to issue multiple employee cards to maximize rewards
- You want to streamline your bonus categories
- You spend enough on to justify the annual fee
Wells Fargo Autograph Journey Visa® Credit Card
Wells Fargo Autograph Journey Visa® Credit Card
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wells Fargo Autograph Journey Card provide a lucrative earning platform for travelers who want the freedom to book travel on their terms and not based on a bank's travel portal. The card earns up to 5X points on travel purchases, offers points transfers to leading carriers and hotels, and comes with a slate of tarvel credits and benefits for a modest $95 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $50 annual airline statement credit
- No foreign transaction fees
- Earn 5X points on hotels, 4X on airlines, and 3X on travel and dining purchases
- Earn 1X points on all other purchases
- Transfer points to leading loyalty programs
- Regular Purchase APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative travel credit card without needing to book in restrictive travel portals
- You don’t want to pay any foreign transaction fees
- You can make use of the $50 annual credit
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
- 20.99% to 27.99% Variable Regular Purchase APR
- 20.99% to 27.99% Variable Balance Transfer APR
- 29.74% Variable Cash Advance APR
At a Glance
The Southwest Rapid Rewards Plus Credit Card is a reliable airline rewards credit card for those who like to fly and prefer Southwest Airlines when they travel. The card earns 2X points on Southwest Airlines purchases and 1X points on all other purchases. The card has an annual fee of $69, which is mostly offset by the cardmember anniversary bonus of 3,000 miles given after each year of membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
- Regular Purchase APR: 20.99% to 27.99% Variable
- Balance Transfer APR: 20.99% to 27.99% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% Variable
- Cash Advance Transaction Fee: Either $10 of 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $69
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- You fly often and prefer to fly with Southwest
- You plan to use your card in conjunction with other Southwest programs to earn maximum points
- You have a large purchase planned that will allow you to reach the spending requirement on the card within the first 90 days to qualify for a signup bonus
- You plan to use the card primarily for purchases within the United States
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
- 20.99% to 27.99% Variable Regular Purchase APR
- 20.99% to 27.99% Variable Balance Transfer APR
- 29.74% Variable Cash Advance APR
At a Glance
For frequent Southwest Airlines® flyers, the Southwest Rapid Rewards® Priority Credit Card is an airline card that makes it easy to reap benefits rapidly with (up to) triple points earning, travel credits, and convenient in-flight discounts.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
- Regular Purchase APR: 20.99% to 27.99% Variable
- Balance Transfer APR: 20.99% to 27.99% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $149
- You travel often, especially with Southwest Airlines®
- You're looking to use your credit card to make purchases abroad
- You make frequent in-flight purchases
Southwest Rapid Rewards Premier Business Credit Card
Southwest Rapid Rewards Premier Business Credit Card
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For frequent Southwest Airlines® flyers, the Southwest Rapid Rewards® Premier Business Credit Card is a business rewards card that offers all the perks of a great travel rewards card while also propelling card members’ businesses forward.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
- Regular Purchase APR: 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You travel often, especially with Southwest Airlines®
- You own or operate a business
- You make frequent in-flight purchases
- You plan on issuing additional cards to your employees
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What is a Travel Credit Card?
Travel credit cards are specifically designed for travelers and offer a range of features and rewards. They allow users to earn travel rewards through spending on travel-related purchases or meeting specific spending thresholds. These rewards can be redeemed for flights, hotel stays, car rentals, and other travel-related expenses.
Different types of travel credit cards cater to different needs, such as frequent hotel stays or car-related expenses. There are three main categories of travel credit cards: airline credit cards, hotel credit cards, and general travel credit cards. Each category offers unique benefits and perks to travelers.
How Do Travel Credit Cards Work?
Travel cards work like other rewards credit cards by earning points or miles on qualifying purchases. Typically, travel cards earn a base rate of 1X points or miles on purchases but may offer extra rewards on specific bonus categories, such as travel purchases, hotel stays, groceries, airfare, restaurants, and gas stations.
Points earned from purchases can then be used for various rewards, including merchandise, gift cards, or cash back as deposits or statement credits. However, booking travel is the most valuable way to redeem these points.
There are different types of travel rewards credit cards available to cater to individual travel preferences. For instance, some cards allow users to earn extra airline miles when flying with a specific carrier, while others offer bonus points for stays at particular hotel chains. By finding a travel rewards credit card that aligns with their spending habits, individuals can save thousands of dollars annually and enjoy excellent perks.
Certain cards, such as those from Chase, Capital One, or American Express, provide their own travel portals for bookings, which offer additional value. Alternatively, some cards may allow cardholders to book travel through any preferred method.
In addition to traditional travel cards, credit cards from major names in hospitality and gaming can also be a great way to maximize rewards. These cards cover a range of brands, including well-known ones like MGM and Caesars and unexpected ones like Royal Caribbean or Sandals. They offer rewards for various categories, such as travel, airfare, car rental, dining, and groceries.
Benefits of Travel Credit Cards
The benefits of travel credit cards may vary depending on the specific card chosen, but here are some common benefits for this type of credit card:
- Earn travel rewards: The primary benefit of travel credit cards is the ability to earn travel rewards. These rewards can be accumulated through everyday spending and redeemed for flights, hotel stays, and more. By using your travel credit card strategically, you can earn free or discounted travel.
- Travel perks and insurance: Many travel credit cards offer additional perks and benefits to enhance your travel experience. These include airport lounge access, complimentary hotel upgrades, priority boarding, and travel insurance coverage. Having these perks can make your travel more comfortable and stress-free.
- Waived or reduced foreign transaction fees: A foreign transaction fee may be charged when you use a regular credit card for purchases abroad. Travel credit cards often waive foreign transaction fees, saving you money on international purchases.
How to Choose the Right Travel Card for Your Needs
With so many travel credit cards on the market, choosing the right one can be overwhelming. Here are some critical factors to think about when searching for a travel credit card that suits your needs:
- Rewards structure: Different travel cards offer different reward structures. Some cards may offer higher rewards for specific categories like airfare or hotel stays, while others may have a flat-rate rewards structure. These reward structures often vary based on the card’s annual fee. Consider your spending habits and choose a card that aligns with your preferences.
- Annual fees: Many travel credit cards come with an annual fee. While some cards offer more benefits and perks that may justify the fee, it’s important to consider whether the benefits outweigh the cost. If you’re a frequent traveler, a card with a higher annual fee might be worth it, but if you travel infrequently, a no annual fee card might be a better option.
- Additional perks: In addition to the rewards and annual fees, consider the card’s additional perks. These include airport lounge access, travel insurance coverage, concierge services, and more. Assess which perks are important to you and choose a card that offers them.
Other Things to Look for
Travel credit cards are a great way to earn rewards for both travel and everyday purchases. But what should you consider when searching for the best travel card for you?
Reward Flexibility
Another crucial aspect to consider with travel credit cards is the flexibility of the rewards. Some cards have strict redemption terms, while others offer more versatility, like general travel rewards cards. These cards allow you to spend your rewards with significantly fewer restrictions or transfer them to loyalty or frequent flyer programs.
Travel cards will normally give you multiple options to redeem your accumulated points. Free travel, by booking flights, hotel stays, rentals, and vacation packages, is one of the most popular choices. Statement credits are also common. You can also redeem your points for gift cards. If the card issuer is partnered with other loyalty programs, such as an airline or hotel loyalty program, you can transfer miles or points to an existing account where you are already accumulating some.
Welcome Offers
Many travel credit cards come with signup bonuses in the form of points. Spending requirements may range anywhere from $500 to more than $15,000. The spending requirement usually has to be done within a specified time frame, ranging from three months to six months. These kinds of bonuses only make sense if you plan to spend the required amount within the specified time frame. If you don’t plan on spending big with your credit card, you can also look for a noble bonus with a low spending requirement.
Elite Status in Loyalty Programs
Some travel rewards credit cards offer elite status in loyalty programs. The higher the annual fee, the better the elite tier you can achieve within a program. For example, the Platinum Card from American Express provides Gold Elite status in both Hilton Honors and Marriott Bonvoy loyalty programs.
Travel Insurance
Expect the unexpected, as the saying goes. Frequent travelers will surely be familiar with the woes of late or canceled flights, lost luggage, or rental car accidents. Several travel cards will cover most of these unwanted occurrences, providing the customer with insurance up to a set amount for when disaster strikes. Though not the most glamorous perks, travel cards allow you to enjoy your journey with peace of mind.
Tips for Getting the Most Out of Travel Cards
While travel credit cards offer a host of benefits, it’s important to use them responsibly. Here are some tips for responsible use of travel credit cards:
- Stick to your budget: Set a budget for your travel expenses and stick to it. Avoid overspending just to earn more rewards, as this can lead to financial stress and debt.
- Monitor your credit card statements: Regularly review your credit card statements to ensure there are no unauthorized charges or errors. This can help you catch any issues early and take appropriate action.
- Pay your bills on time: Late payments can result in hefty fees and damage your credit score. Make it a priority to pay your credit card bills on time to maintain a healthy financial profile.
By using your travel credit card responsibly, you can enjoy the benefits it offers without falling into financial pitfalls.
FAQs
Travel credit cards cover a wide area of rewards. Since some cards earn 3x points on travel, 3x points on dining, or other unique rewards, there are cards to suit every budget, travel preference, and spending habit. A huge assortment of cards also means a vast amount of questions. Here are some of the most commonly asked questions about travel rewards cards – and what you need to know to make an informed decision:
- Travel rewards credit cards are ideal for anyone who travels frequently. Trave expenses can quickly add up, so earning points for those purchases makes perfect sense. These points can offset airline fees and are earnable for travel and dining, and other everyday spending.
- Because there are so many travel credit card offers, any credit score can apply. The very best travel credit cards, like the Amex Platinum Card, Citi Prestige Card, and the Chase Sapphire Reserve, require an excellent credit score to qualify. Others, like the LATAM Secured Visa, require no credit history at all.
- Typically, travel cards that offer the best sign up bonuses, and most points charge an annual fee. Usually, the base rate is a $95 annual fee for the average travel card. Cards that provide impressive perks, like lounge access or credit for Global Entry, charge the very highest yearly fees. Before applying for any credit card, make sure you plan to make use of the rewards it offers – especially if there’s a high fee attached to it.
- If your travel plans change and you can’t justify a high annual fee, consider downgrading to a no annual fee version from the same card issuer. Chase offers numerous paid -and no annual fee – versions of popular airline and hotel credit cards, for example.
- The real value for most travel cards lies in the value of the rewards points they offer. These points might be in the form of airline miles, hotel loyalty program points, or general card issuer points. Chase points, for example, allow users to redeem through the Chase Ultimate Rewards portal for travel expenses, cashback, or other award options.
Current airline mile valuations for leading carriers:
- Alaska Mileage Plan – 1.8 cents/mile
- American Airlines AAdvantage Miles – 1.4 cents/mile
- Delta SkyMiles – 1.2 cents/mile
- Frontier Miles – 1.1 cents/mile
- HawaiianMiles – 0.9 cents/mile
- MileagePlus Miles (United) – 1.3 cents/mile
- Miles & More Miles (Lufthansa) – 1.4 cents/mile
- Southwest Rapid Rewards Points – 1.5 cents/point
- Spirit Airlines Free Spirit – 0.4 cents/point
- TrueBlue (Jet Blue) – 1.3 cents/point
Current hotel point valuations for leading brands:
- Best Western Rewards – 0.7 cents/point
- Hilton Honors – 0.6 cents/point
- IHG Rewards – 0.5 cents/point
- Marriot Bonvoy – 8 cents/point
- Radisson Rewards – 0.5 cents/point
- VOILA Rewards – 1 cent/point
- World of Hyatt – 1.7 cents/point
- Wyndham Rewards – 1.1 cents/point
- Yes. Bank of America offers a dedicated student travel rewards card – the Travel Rewards Card for Students. There are also several general rewards cards for students that allow cardholders to redeem rewards for travel purchases. Travel rewards cards are an excellent option for students who go to college out of state. Some cards feature no foreign transaction fees, making them perfect for international studies.
- Yes. Thee are some very good secured cards for frequent travelers. These include secured airline cards from SKYPASS (Korean Air) and LATAM. Beyond those airline cards, BB&T offers secured cards for general travel usage that earn points with every purchase.
Conclusion
Travel credit cards are a powerful tool for unlocking a world of benefits and rewards while you explore new destinations. By understanding how these cards work and choosing the right option for you, you can maximize the benefits and enjoy a more rewarding travel experience. Remember to use your travel credit card responsibly and take advantage of the rewards programs and perks offered.
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