Premium Travel Rewards Cards
The credit card landscape continues to evolve, offering increasingly competitive rewards and benefits for consumers. For frequent travelers, several premium options stand out:
Chase Sapphire Reserve®
- 3x points on travel and dining
- $300 annual travel credit
- Priority Pass™ lounge access
- 50% more value when redeeming points through Chase Ultimate Rewards®
The Platinum Card® from American Express
- 5x points on flights booked directly with airlines
- Comprehensive airport lounge access
- Up to $200 annual Uber credits
- Automatic Hilton and Marriott gold status
Best Cash Back Options
Citi® Double Cash Card
The Citi® Double Cash Card offers a straightforward and rewarding program:
- Cash Back Rate: Earn 2% on every purchase (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Intro APR: 0% for 18 months on balance transfers
Learn more about the Citi® Double Cash Card.
Chase Freedom Unlimited®
A versatile option featuring:
- 1.5% cash back on all purchases
- 3% on dining and drugstore purchases
- 5% on travel booked through Chase Ultimate Rewards®
Best for Building Credit
Discover it® Secured Credit Card
If you're looking to build or rebuild your credit, this is a solid option:
- 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter)
- 1% on all other purchases
- Annual Fee: $0
- Security Deposit: Minimum $200
Discover more about the Discover it® Secured Credit Card.
Best for Low Interest
Wells Fargo Reflect℠ Card
Ideal for debt consolidation:
- Up to 21 months 0% APR on purchases and qualifying balance transfers
- No annual fee
- Cell phone protection when you pay your bill with the card
- Variable APR of 13.24% - 25.24% after intro period
Check out the Wells Fargo Reflect® Card for more information.
How to Choose the Right Card
Consider these factors when making your selection:
- Spending Habits: Match rewards to where you spend most
- Annual Fee: Ensure the benefits outweigh any costs
- Credit Score: Apply for cards matching your credit profile
- Welcome Bonus: Compare sign-up offers
- Foreign Transaction Fees: Important for international travelers
"The best credit card is the one that aligns with your spending habits and financial goals." - The Points Guy
Important Considerations
Before applying for any credit card, remember to:
- Check your credit score at AnnualCreditReport.com
- Read the full terms and conditions
- Calculate the true value of rewards programs
- Consider your approval odds
For more tips on choosing the right credit card, check out NerdWallet's guide to selecting a credit card.
Note: Credit card terms and conditions are subject to change. APRs vary based on creditworthiness. Always verify current offers and terms directly with the card issuer.