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U.S. Bank Business Altitude™ Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
- 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Business Altitude™ Connect World Elite Mastercard® is a business travel rewards card for that earns up to 5X points on eligible purchases, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points on hotel and car rentals booked directly in the Rewards Center
- 4X points on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2X points on dining, takeout, restaurant delivery, and cell phone services and 1 point for all other purchases
- No foreign transaction fees
- Regular Purchase APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 31.99%
- Annual Fee: $0 for the first year; $95 after that
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on travel
- You plan to issue multiple employee cards to maximize rewards
- You want to save on gas, dining, and other everyday categories
- You spend enough on travel to justify the annual fee
Choice Privileges® Select Mastercard®
Choice Privileges® Select Mastercard®
- 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Choice Privileges® Select Mastercard® offers premium rewards, automatic Platinum Elite status, anniversary points bonuses, TSA Precheck credits, and more for a $95 annual fee (which Wells Fargo waives for the first year).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Automatic Platinum Elite status in Choice Privileges
- $100 TSA Precheck or Global Entry statement credits every four years
- Earn 10X points with Choice Hotels
- Earn 5X points at gas stations, groceries, or home improvement stores
- Earn 1X on all other purchases
- Regular Purchase APR: 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $95 (waived for the first year)
- Return Payment Penalty Fee: Up to $40
- You travel often and prefer to stay with Choice Hotel brands
- You fly and can benefit from TSA Precheck
- You spend heavily on gas or groceries
Mastercard® Black Card™
Mastercard® Black Card™
- 19.99% Regular Purchase APR
- 19.99%. This APR will vary with the market based on the Prime Rate. Balance Transfer APR
- 30.24%. This APR will vary with the market based on the Prime Rate. Cash Advance APR
At a Glance
An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Patented black-PVD-coated metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
- Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
- Regular Purchase APR: 19.99%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 19.99%. This APR will vary with the market based on the Prime Rate.
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.24%. This APR will vary with the market based on the Prime Rate.
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a frequent traveler who aims to earn rewards that can be redeemed for airfare at an unmatched rate
- You're looking to minimize your wallet via an everyday credit card that rewards on every redemption
- You aim to stand out from the crowd with an expertly-crafted metal credit card weighing 22 grams
- You're seeking a dedicated 24/7 Concierge service offering personalized assistance to meet a variety of requests
- You stay at high-end hotels and exclusive resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You're interested in premium travel benefits and protections found in few competing credit cards
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
- 20.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you or your employees regularly fly Delta, the Delta SkyMiles® Reserve Business American Express Card’s introductory bonuses and travel-specific perks are well worth the hefty $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X)
- Plus enjoy 3X miles per dollar on all eligible Delta purchases
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status
- Terms and limitations apply
- Regular Purchase APR: 20.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel frequently for work or have employees who do, and want to accumulate bonus miles while tracking spending habits
- You spend heavily with Delta Airlines
- You're looking forward to complimentary Delta Sky Club® access, priority boarding, and a free checked bag
- You don’t want to pay any foreign transaction fees
IHG Rewards Premier Business Credit Card
IHG Rewards Premier Business Credit Card
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The IHG Rewards Premier Business Credit Card from Chase earns up to 26X points on purchases and features an impressive 165,000 bonus points welcome offer – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 165,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay
- Earn up to 26 total points per $1 spent when you stay at an IHG hotel
- Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Regular Purchase APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You own a small business and frequently stay at IHG properties
- You spend heavily on travel purchases or advertising
- You don’t already have TSA PreCheck
- You plan to issue multiple employee cards to maximize rewards
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The information related to Citi Premier® Card, American Airlines AAdvantage® MileUp℠ Card, Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard®, AT&T Access Card from Citi, Expedia® Rewards Voyager Card from Citi, Expedia® Rewards Card, and Citi Prestige® Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
What Are Travel Rewards Credit Cards?
Reward cards come in all shapes and forms. Some cards cater to those frequently stay in hotels. Others, to those who regularly use their cards to pay for gas or other car-related expenses. Still others provide business cards, and some cards for those who often fly – either for business or for pleasure. Just as there are many reward cards, so too are there many different types of travel rewards credit cards.
Travel cards can be broken down into three distinct types: airline credit cards, hotel credit cards, and general travel credit cards. Each class offers unique benefits and perks to travelers. But how do they work?
How Do Travel Cards Work?
Travel cards earn points on every qualifying purchase – just like other rewards credit cards. These reward points can also be cash back or miles, but these varieties of rewards are all the same. Travel cards typically earn a base rate for purchases – usually 1X points or miles. They also receive additional rewards on bonus categories, which may include:
| Travel purchases | Hotel stays | Groceries |
| Airfare | Restaurants | Gas stations |
Points from purchases apply to awards. Like other rewards programs, cardholders can use their points for merchandise, gift cards, or cash back. The best value, however, is for booking travel.
There are several types of travel rewards credit cards to suit each individual’s unique travel needs. Some cards allow you to earn extra airline miles when flying with a certain carrier, for example. Others allow cardholders to earn bonus points for stays with a certain hotel chain. Finding a travel rewards credit card that aligns with spending habits, can help save thousands of dollars per year and provide excellent perks.
Other cards, such as Chase or American Express-branded cards, allow for bookings with their own travel portals, which offer additional value. Still other cards might offer the option of booking travel however you please.
Pros & Cons of Travel Credit Cards
| Pros | Cons |
| Credit cards for travel can make traveling significantly cheaper. That’s because they offer points. These points can apply to future travel, reducing costs. Some cards also offer discounts with hotel chains, airlines, or car rental companies. | The best travel cards charge an annual fee. These fees range from approximately $95 to $650 per year. While there are plenty of great no annual fee cards, the rewards and points won’t be as plentiful as they are with a card that charges an annual fee. |
| Many travel rewards credit cards charge a foreign transaction fee – a charge on using the credit card outside of the United States. Fortunately, many travel rewards cards offer no foreign transaction fees, meaning travelers aren’t penalized for daring to spend money abroad. | Credit cards with travel rewards typically require an excellent credit score or a good credit score. |
| Signup bonuses and introductory offers are two of the best perks with this type of credit card. Some cards come with bonuses of up to 100,000 miles, with a cash value of hundreds of dollars. While these bonuses require a minimum spend, the reward rate is typically many times more than the normal rate – making them an excellent value. | Because they offer rewards and huge bonuses, credit cards for travel have higher than average APR. Interest rates with travel cards are, on average, one percent higher than cash back rewards cards and three-percent lower than 0% intro APR credit cards. |
What to Look for In a Travel Rewards Credit Card
Travel credit cards are an excellent way to earn rewards for travel and everyday purchases. But what should you look for to find the best travel card for you?
| ① Rewards points | One of the most important things to consider when selecting a travel credit card is the value of points – and how to earn them. Programs like Chase Ultimate Rewards and American Express Membership Rewards offer exceptional value for money. Others, such as those from credit unions, provide less value but might benefit customers with other banking products. Carefully gauge how you earn points with eh card (gas, groceries, travel, etc.) before applying. |
| ② Reward flexibility | Rewards flexibility is another critical consideration when it comes to travel credit cards. Some cards have strict terms of redemption. General travel rewards cards, offer more versatility, which can be spent with significantly reduced restrictions or transferred to loyalty or frequent flyer programs. |
| ③ Welcome offers | Many travel credit cards come with a signup bonus of points. Typically these bonuses require a minimum spend of between $500 to $3,000 within the first three months. Bonuses can range in value all the way up to several hundred dollars. This makes rewards an essential part of the travel card equation. |
| ④ No foreign transaction fees | Some travel cards offer no foreign transaction fees. This perk makes this type of card an excellent option for using outside of the United States. |
| ⑥ Elite status in loyalty programs | Some travel rewards credit cards offer elite status in loyalty programs. The higher the annual fee, the better the elite tier with a program. The Platinum Card from American Express, for example, offers Gold Elite status in both Hilton Honors and Marriott Bonvoy. |
Travel Credit Card FAQs
Travel credit cards cover a wide area of rewards. Since some cards earn 3x points on travel, 3x points on dining, or other unique rewards, there are cards to suit every budget, travel preference, and spending habit. A huge assortment of cards also means a vast amount of questions. Here are some of the most commonly asked questions about travel rewards cards – and what you need to know to make an informed decision:
- Travel rewards credit cards are ideal for anyone who travels frequently. Trave expenses can quickly add up, so earning points for those purchases makes perfect sense. These points can offset airline fees and are earnable for travel and dining, and other everyday spending.
- Because there are so many travel credit card offers, any credit score can apply. The very best travel credit cards, like the Amex Platinum Card, Citi Prestige Card, and the Chase Sapphire Reserve, require an excellent credit score to qualify. Others, like the LATAM Secured Visa, require no credit history at all.
- Typically, travel cards that offer the best sign up bonuses, and most points charge an annual fee. Usually, the base rate is a $95 annual fee for the average travel card. Cards that provide impressive perks, like lounge access or credit for Global Entry, charge the very highest yearly fees. Before applying for any credit card, make sure you plan to make use of the rewards it offers – especially if there’s a high fee attached to it.
- If your travel plans change and you can’t justify a high annual fee, consider downgrading to a no annual fee version from the same card issuer. Chase offers numerous paid -and no annual fee – versions of popular airline and hotel credit cards, for example.
- The real value for most travel cards lies in the value of the rewards points they offer. These points might be in the form of airline miles, hotel loyalty program points, or general card issuer points. Chase points, for example, allow users to redeem through the Chase Ultimate Rewards portal for travel expenses, cashback, or other award options.
Current airline mile valuations for leading carriers:
- Alaska Mileage Plan – 1.8 cents/mile
- American Airlines AAdvantage Miles – 1.4 cents/mile
- Delta SkyMiles – 1.2 cents/mile
- Frontier Miles – 1.1 cents/mile
- HawaiianMiles – 0.9 cents/mile
- MileagePlus Miles (United) – 1.3 cents/mile
- Miles & More Miles (Lufthansa) – 1.4 cents/mile
- Southwest Rapid Rewards Points – 1.5 cents/point
- Spirit Airlines Free Spirit – 0.4 cents/point
- TrueBlue (Jet Blue) – 1.3 cents/point
Current hotel point valuations for leading brands:
- Best Western Rewards – 0.7 cents/point
- Hilton Honors – 0.6 cents/point
- IHG Rewards – 0.5 cents/point
- Marriot Bonvoy – 8 cents/point
- Radisson Rewards – 0.5 cents/point
- VOILA Rewards – 1 cent/point
- World of Hyatt – 1.7 cents/point
- Wyndham Rewards – 1.1 cents/point
- Yes. Bank of America offers a dedicated student travel rewards card – the Travel Rewards Card for Students. There are also several general rewards cards for students that allow cardholders to redeem rewards for travel purchases. Travel rewards cards are an excellent option for students who go to college out of state. Some cards feature no foreign transaction fees, making them perfect for international studies.
- Yes. Thee are some very good secured cards for frequent travelers. These include secured airline cards from SKYPASS (Korean Air) and LATAM. Beyond those airline cards, BB&T offers secured cards for general travel usage that earn points with every purchase.
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