Best Travel Credit Cards for 2025

Introduction

Travel credit cards have evolved significantly in 2025, offering better rewards, stronger travel protections, and premium benefits designed for frequent and occasional travelers alike. Whether you’re planning an international trip, booking domestic flights, or simply looking for everyday spending perks that translate into travel savings, choosing the right credit card can make a significant difference in your travel experience.

With options ranging from high-reward earning cards to those with luxury benefits like complimentary lounge access and hotel elite status, there is a travel credit card suited for every traveler. This article explores the best travel credit cards for 2025, detailing their features, benefits, and how they compare.

Why You Need a Travel Credit Card

Using a travel credit card instead of a debit card or cash while traveling has several advantages:

• Earn rewards points or miles: Many travel credit cards offer generous rewards on travel purchases, allowing you to earn free flights and hotel stays.
• Save on foreign transaction fees: Most premium travel credit cards waive foreign transaction fees, making them ideal for international trips.
• Enjoy travel insurance coverage: Many top travel credit cards include trip cancellation insurance, baggage protection, and rental car coverage.
• Access airport lounges: Some cards provide complimentary lounge access, allowing you to relax in comfort before your flight.
• Take advantage of elite hotel and airline perks: Some cards offer automatic hotel status, priority boarding, and upgrade opportunities.

Top Travel Credit Cards in 2025

Based on expert reviews from reputable financial sources such as NerdWallet, Forbes, and The Points Guy, the following travel credit cards stand out in 2025:

• Chase Sapphire Preferred® Card – Best for flexible travel rewards
• Capital One Venture Rewards Credit Card – Best for simple rewards structure
• American Express Platinum Card® – Best for luxury travel benefits
• Chase Sapphire Reserve® – Best for premium travel perks
• Bank of America® Travel Rewards Credit Card – Best for no annual fee
• Citi Premier® Card – Best for hotel and airline transfers
• Wells Fargo Autograph℠ Card – Best for no foreign transaction fees

Best Travel Credit Cards Breakdown

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card remains a favorite among travelers due to its flexible rewards system and valuable travel protections. It offers 5x points on travel booked through Chase Ultimate Rewards, 3x points on dining, and 2x points on all other travel purchases.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers a straightforward 2x miles on every purchase, making it a great choice for travelers who want simple, flexible rewards without the need to track spending categories.

American Express Platinum Card®

For luxury travelers, the American Express Platinum Card® is the best choice. It offers 5x points on flights booked directly with airlines or through Amex Travel, access to Centurion Lounges, and elite status with Hilton and Marriott hotels.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is ideal for premium travelers, offering 10x points on hotels and rental cars booked through Chase, 3x points on travel and dining, and extensive travel protections.

Bank of America® Travel Rewards Credit Card

This no-annual-fee credit card is excellent for occasional travelers who want to earn 1.5x points on all purchases without worrying about foreign transaction fees.

Best for International Travel

For frequent international travelers, having a credit card with no foreign transaction fees and strong travel protections is essential. The best options include the Capital One Venture Rewards Credit Card and Chase Sapphire Reserve®, both of which offer great earning potential and extensive global travel benefits.

How to Choose the Best Travel Credit Card

When selecting a travel credit card, consider the following factors:

• Annual fee vs. benefits: Some premium cards come with high annual fees but offer significant travel perks that outweigh the cost.
• Reward structure: Choose between flexible rewards programs (such as Chase Ultimate Rewards) and airline or hotel-specific programs.
• Foreign transaction fees: Avoid cards that charge additional fees for international purchases.
• Travel insurance and protections: Look for cards that offer trip cancellation/interruption insurance and baggage protection.
• Airport lounge access: If you fly frequently, a card with complimentary lounge access can enhance your experience.

FAQs

Which travel credit card has the best rewards?

The Chase Sapphire Preferred® offers one of the best overall rewards programs, with high earnings on travel and dining.

What is the best travel credit card with no annual fee?

The Bank of America® Travel Rewards Credit Card is a top choice for no annual fee and solid rewards.

Which card offers the best airport lounge access?

The American Express Platinum Card® provides the most comprehensive airport lounge access, including Centurion Lounges and Priority Pass.

Are these cards good for international travel?

Yes, all the cards listed have no foreign transaction fees, making them great for international use.

Sources

• NerdWallet: www.nerdwallet.com
• Forbes Advisor: www.forbes.com/advisor/credit-cards
• Bankrate: www.bankrate.com
• Investopedia: www.investopedia.com
• The Points Guy: www.thepointsguy.com