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Best of the Best:
Bottom Line: Flexible ways to earn and redeem awards make the Sapphire Preferred an excellent choice for frequent travelers.
Pros: Offers 60,000 bonus points for members that spend $4,000 in the first 3 months of new accounts. Travel and dining purchases earn 2X points. Points are worth 25% more when used for purchases through Chase Ultimate Rewards. No foreign transaction fees.
Cons: Annual membership fee is $95. Applicants with less than excellent credit aren't likely to be accepted.
Best Bang for the Buck:
Capital One - VentureOne Rewards Card (learn more here)
Bottom Line: Choose this card if you want travel bonuses and no annual fee. While it's not the best choice for frequent flyers, it offers a reward system that works well for the average traveler.
Pros: Has a straightforward rewards program that offers 20,000 miles with only $1,000 spent in the first 3 months as a card holder. 1.25X points on purchases. No foreign transaction fees or annual membership fee. 0% APR for first 12 months.
Cons: Not as many perks as some cards with annual fees. May be difficult for some applicants to qualify based on expenses.
American Express - The Platinum Card (learn more here)
Bottom Line: Although costly, the AmEx card's point system and travel perks make it worth considering for travelers who fly frequently and rely on Uber for ground transportation.
Pros: Get 60,000 membership rewards points after spending $5,000 in within 3 months of opening an account. Cash back for Uber rides can equal up to $200 in savings each year. Special offers are available for shopping and dinning. Earn an impressive 5X points with flights through American Express Travel. No foreign transaction fees.
Cons: Annual membership fee is $550, which is extremely high for consumers who don't fly frequently.
Wells Fargo - Propel American Express (learn more here)
Bottom Line: Worth a look for occasional travelers who don't want to pay an annual fee; however, rewards points may not add up as quickly as they do with other travel credit cards.
Pros: New members get 30,000 after spending $3,000 with 3 months of opening new accounts. Introductory APR is 0% for 12 months. No foreign transaction fees or annual membership fee. 3X bonus points in some categories.
Cons: Offers fewer bonuses and perks than other cards we considered. Not ideal for frequent flyers.
Capital One - Venture Rewards Card (learn more here)
Bottom Line: A great choice for travelers who fly often, thanks to the ability to easily earn bonus miles and use them for flights on just about any airline.
Pros: Card holders can enjoy 50,000 miles after spending $3,000 in the first 3 months of account opening. No foreign transaction fees. Works with Apple Pay. Earn 2X miles per dollar spend. Bonus points through Hotels.com often available.
Cons: Although there is no membership fee for the first year, it's $95 annually thereafter. Points aren't as flexible as those offered by some other cards.
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