Traveling can be an expensive endeavor, but with the right travel credit card, you can unlock a variety of benefits that can make your journeys more affordable and enjoyable. From earning points and miles to access to airport lounges and travel insurance, the best travel credit cards of 2021 offer a range of perks to make your travel experience better.
Chase Sapphire Preferred
The Chase Sapphire Preferred card is a favorite among travelers for its generous rewards program and travel benefits. Cardholders earn 2x points on travel and dining purchases, and 1x point on all other purchases. Points can be redeemed for travel through the Chase Ultimate Rewards portal at a value of 1.25 cents per point, or transferred to a variety of airline and hotel partners.
In addition to earning points, cardholders also receive trip cancellation/interruption insurance, auto rental collision damage waiver, and baggage delay insurance. The card has a $95 annual fee, but the benefits far outweigh the cost for many travelers.
American Express Platinum
The American Express Platinum card is known for its luxury travel perks and benefits. Cardholders earn 5x points on flights booked directly with airlines or through Amex Travel, and 5x points on prepaid hotels booked through Amex Travel. They also receive a $200 airline fee credit, $200 Uber credit, access to Centurion Lounges and Priority Pass lounges, and complimentary Gold status with Hilton Honors and Marriott Bonvoy.
Other benefits include trip delay insurance, car rental loss/damage insurance, and $100 Global Entry/TSA PreCheck credit. The card has a $550 annual fee, but the value of the benefits more than justifies the cost for frequent travelers.
Capital One Venture Rewards
The Capital One Venture Rewards card is a great option for those who prefer simplicity and flexibility in their rewards. Cardholders earn 2x miles on all purchases, and miles can be redeemed for statement credits towards any travel purchase at a value of 1 cent per mile. There are no foreign transaction fees, and the annual fee is $95.
The card also offers travel accident insurance, auto rental collision damage waiver, and 24/7 concierge service. With its straightforward rewards program and solid travel benefits, the Capital One Venture Rewards card is a popular choice among travelers.
Conclusion
Choosing the best travel credit card for your needs depends on your travel habits, spending preferences, and desired benefits. Whether you’re looking for generous rewards, luxury perks, or simplicity and flexibility, there are a variety of options to suit your needs. By taking advantage of the travel benefits offered by these top credit cards, you can make your travels more affordable, enjoyable, and stress-free.
FAQs
1. How do travel credit cards work?
Travel credit cards typically earn points or miles on purchases, which can be redeemed for travel-related expenses such as flights, hotels, and rental cars. They also often offer travel benefits such as travel insurance, airport lounge access, and statement credits for travel purchases.
2. Are travel credit cards worth it?
For frequent travelers, travel credit cards can be incredibly valuable in terms of earning rewards, accessing travel benefits, and saving money on travel expenses. However, it’s important to choose a card that aligns with your spending habits and travel preferences to maximize the benefits.
3. How do I choose the best travel credit card for me?
When choosing a travel credit card, consider factors such as rewards earning rate, redemption options, annual fees, and travel benefits offered. Think about your travel habits and preferences to determine which card will offer the most value for your needs.
