- 5%Points on travel purchased through Chase
- 3%Points on dining, streaming & online groceries
- 2%Points on other travel
- 1%Points on all other purchases
Earn 75,000 bonus points after you spend $5,000 on purchases within the first 3 months from account opening.
Earn 5x points on travel via Chase Travel, 3x on dining, streaming & online groceries, 2x on other travel, and 1x on everything else.
19.49%-27.74% Variable APR
The Chase Sapphire Preferred Card stands out as the top choice because of its exceptional earning rates on travel and dining, combined with valuable travel protections. With a low annual fee and a generous welcome bonus, it offers significant value for both new and experienced travelers.
Pros:
- Strong earning rates on travel and dining
- Valuable travel protections
Cons:
- Annual fee may be a consideration for some
- Requires good credit for approval
2.Capital One Venture X Rewards Credit Card
Capital One
- 10%Miles on hotels/rentals booked via Capital One Travel
- 5%Miles on flights
- 2%Miles on all other purchases
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
Earn 10x miles on hotels/rentals booked via Capital One Travel, 5x on flights, and 2x on all other purchases.
19.49%-28.49% Variable APR
What sets the Capital One Venture X apart is its impressive earning potential on travel-related purchases, making it a favorite among frequent travelers. With a substantial welcome bonus and various travel credits, it provides excellent value that can easily offset its annual fee.
Pros:
- High rewards on travel bookings
- Includes valuable travel credits
Cons:
- High annual fee
- Requires excellent credit for approval
3.American Express Platinum Card®
American Express
- 5%Membership Rewards points on flights and prepaid hotels booked via Amex Travel
Earn up to 175,000 Membership Rewards points after spending $8,000 in the first 6 months.
Earn 5x Membership Rewards points on flights and prepaid hotels booked via Amex Travel, plus points on U.S. dining.
The American Express Platinum Card is a premium option that excels in providing extensive travel and lifestyle benefits, making it ideal for frequent travelers. With its high earning potential on travel-related purchases and numerous statement credits, it justifies its significant annual fee for those who can maximize its offerings.
Pros:
- Extensive travel and lifestyle benefits
- Access to Global Lounge Collection
Cons:
- Very high annual fee
- Requires paying balance in full monthly
Final Words
As you navigate your options for credit cards this January 2026, remember to prioritize your spending habits and rewards preferences. Take time to compare the benefits and costs of different cards to ensure you make an informed decision that aligns with your financial goals.
Frequently Asked Questions
Earn 75,000 bonus points after you spend $5,000 on purchases within the first 3 months from account opening.
Earn 10x miles on hotels/rentals booked via Capital One Travel, 5x on flights, and 2x on all other purchases.
Earn 5x Membership Rewards points on flights and prepaid hotels booked via Amex Travel, plus additional points on U.S. dining.
The annual fee for the Chase Sapphire Preferred® Card is $95, making it a reasonable option for those who travel and dine out frequently.
Consider the card's rewards structure, annual fees, and your spending habits. Compare the benefits and fees of multiple cards to find the best fit for your financial goals.
Many cashback credit cards do not have annual fees, making them accessible for a wide range of consumers. However, premium cards may come with fees, so assess whether the potential rewards justify the cost.
To apply for a credit card, visit the provider's website, fill out the application form with your personal and financial information, and submit it. Approval may take a few minutes to a couple of days, depending on the issuer.
Travel rewards credit cards often offer higher points or miles on travel-related purchases, bonus offers, and perks like free checked bags or priority boarding. These benefits can significantly enhance your travel experiences and save money.
