Top Travel Credit Cards for 2025: Maximize Your Rewards
Since launching The Points Guy in 2010, I’ve enjoyed hearing from readers who share their incredible stories about maximizing travel rewards. These stories illustrate the true value of the information we provide, which can unlock amazing travel experiences. A significant part of this journey involves leveraging the best travel rewards credit cards available. Whether you’re gearing up for a big trip, looking to take advantage of new perks, or seeking a lucrative welcome bonus, here are my top credit card picks for 2025.
1. Bilt Mastercard
The Bilt Mastercard is unique in that it allows you to earn points on rent payments, a significant monthly expense for many. To earn points on your rent and qualifying purchases, you must make at least five purchases each statement period.
– Welcome Offer: Earn 125,000 points after spending $6,000 within the first three months of account opening.
– Standout Benefits: This card has no annual fee and allows you to earn points on rent payments, which is a game-changer for many renters. You can also build your credit history with each payment.
2. Chase Sapphire Reserve
The Chase Sapphire Reserve is renowned for its premium travel benefits, making it a favorite among frequent travelers.
– Welcome Offer: Earn 75,000 points after spending $5,000 within the first three months.
– Standout Benefits: With a $300 annual travel credit, access to Chase Sapphire Lounges, and a range of lifestyle perks, the Sapphire Reserve offers tremendous value despite its $795 annual fee. Cardholders enjoy complimentary Apple TV+ and Apple Music memberships, along with credits for StubHub.
3. Chase Sapphire Preferred
If you’re looking for a versatile travel card with a lower annual fee, the Chase Sapphire Preferred is an excellent choice.
– Welcome Offer: Earn 75,000 points after spending $4,000 within the first three months.
– Standout Benefits: This card offers 3 points per dollar on dining and a $50 annual hotel credit. It’s ideal for beginners and seasoned travelers alike. Plus, you can transfer points to over a dozen airline and hotel partners for maximum value.
4. Capital One Venture X
The Capital One Venture X card is great for those who want to earn a high base rate on all purchases.
– Welcome Offer: Earn 75,000 miles after spending $4,000 within the first three months.
– Standout Benefits: With a base earning rate of 2 miles per dollar spent and a $300 annual travel credit, this card is perfect for everyday spending. The annual fee of $395 is easily offset by the benefits.
5. American Express Gold Card
For food lovers, the American Express Gold Card is a must-have.
– Welcome Offer: Earn 75,000 Membership Rewards points after spending $4,000 within the first three months.
– Standout Benefits: This card earns 4 points per dollar at U.S. supermarkets and restaurants, making it perfect for everyday dining and grocery shopping. It also offers up to $120 in Uber Cash and dining credits.
6. Capital One Venture Rewards
The Capital One Venture Rewards card offers a straightforward earning structure.
– Welcome Offer: Earn 90,000 miles after spending $8,000 within the first three months.
– Standout Benefits: With 2 miles per dollar on all purchases, it’s great for those who want to earn rewards without worrying about bonus categories. You can redeem miles at a value of 1 cent each or transfer them to various travel partners.
7. American Express Platinum Card
Despite its high annual fee, the Amex Platinum is a favorite for frequent travelers.
– Welcome Offer: Earn 150,000 Membership Rewards points after spending $20,000 within the first three months.
– Standout Benefits: This card offers 5 points per dollar on airfare, access to exclusive lounges, and up to $200 in airline fee credits. Its premium benefits make it a worthwhile investment for serious travelers.
8. Amex Business Platinum Card
For business owners, the Amex Business Platinum Card provides excellent travel rewards.
– Welcome Offer: Earn 90,000 points after spending $8,000 within the first three months.
– Standout Benefits: This card offers premium travel perks and business statement credits, making it ideal for managing business expenses and earning rewards simultaneously.
9. Ink Business Preferred Credit Card
The Ink Business Preferred is perfect for small business owners looking to maximize their rewards.
– Welcome Offer: Earn 90,000 points after spending $8,000 within the first three months.
– Standout Benefits: With 3 points per dollar on online advertising and a low annual fee of $95, this card is a heavyweight in the business rewards space.
Choosing the Right Card for You
When selecting the best credit cards for your needs, consider your spending habits and the types of rewards you want to earn. If you prefer simplicity, a cash-back card may be suitable. However, if you’re aiming for free travel or maximizing your spending, consider a card that offers transferable rewards like American Express Membership Rewards or Chase Ultimate Rewards.
Earning a substantial welcome bonus can quickly boost your rewards balance, especially if the card has a limited-time offer. Before applying, review your spending habits from the past year to ensure you choose a card that aligns with your lifestyle.
Final Thoughts
Each card listed above offers unique benefits, but they all share a common trait: the ability to earn transferable points or miles. This flexibility allows you to maximize your rewards and redeem them in ways that suit your travel preferences. Remember to manage your credit responsibly, paying off balances in full and on time to avoid interest charges.
Credit cards can significantly enhance your travel experiences, and with the right strategy, you can turn everyday spending into unforgettable adventures.
