The best Visa travel rewards credit cards provide an opportunity to earn free flights and hotel stays as well as take advantage of benefits such as travel insurance. There may be insurance for everything from rental cars and luggage to cancelled trips and travel accidents, depending on the card. Some Visa travel credit cards also offer luxuries such as free checked bags, room/seat upgrades and airport lounge access.
To help you start your search for a good Visa travel rewards card, WalletHub’s editors have picked out some popular offers.
Visa travel rewards credit cards enjoy worldwide acceptance, as cards on the Visa network can be used in 200+ countries and territories. Plus, most Visa travel rewards credit cards do not charge foreign transaction fees, which means you won’t pay extra for international purchases.
The Capital One Venture Rewards Visa Card is the best Visa for travel if you don’t want to always use the same airline or hotel chain. Venture offers an initial bonus of 100,000 miles: 50,000 miles for spending $3,000 in the first 3 months or 100,000 miles after you spend $20,000 in the first 12 months. It gives 2 miles per $1 on all other purchases. Those miles can be used for statement credits to pay for any travel purchase. There’s also an annual fee of $95.
Chase Sapphire Preferred is a good option. There’s a bonus of 60,000 points if you spend at least $4,000 on the card within 3 months of account opening. You also get 2 points for every dollar you spend on travel and dining and 1 on anything else. And you can transfer points to 13 airline and hotel programs at a 1:1 ratio. Sapphire’s annual fee is $95.
You can redeem Bank of America travel rewards for a statement credit to cover travel purchases made in the past 12 months, for gift cards, or for cash back via paper check or a BofA deposit-account credit. You can redeem for travel or cash back once you’ve collected at least 2,500 points ($25 travel value or $15 in cash back). But you’ll need at least 3,125 points to redeem for gift cards. You can redeem your points by signing in to your online account at bankofamerica.com, logging into your account on the BofA mobile app, or calling (888) 268-7800.… read full answer
The Bank of America Travel Rewards card gives at least 1.5 points for every $1 you spend, so that can add up quickly. And if you travel frequently, you should have no trouble using the points. While you can’t actually use points to purchase travel directly, you can pay for travel purchases with the card through the Travel Center and earn 3 points per $1 spent. Two days later, you can redeem those points to count towards the travel purchase as long as you have at least 2,500 points.
One great thing about redeeming Bank of America Travel Rewards points for your travel purchases is BofA’s broad interpretation of what counts as a travel purchase. You can use points toward purchases like circuses, art galleries, amusement parks, tourist attractions, boat rentals, limousines, and zoos, along with your ordinary travel expenses like plane tickets and hotels. And unlike a lot of other credit cards, BofA counts VRBO and VacationRentals.com rentals in its travel category, which lets you use your points toward those purchases.
The BofA Travel Rewards Card also gives another way to earn more points. If you have at least $20,000 between a personal BofA checking account and/or qualifying Merrill accounts, you can qualify for one of BofA’s Preferred Rewards tiers. That means you can earn 25%-75% more rewards points per $1 spent on your credit card.
The best travel credit card with no annual fee is the Capital One VentureOne card because it offers an initial bonus of 20,000 miles for spending $500 in the first 3 months. It also rewards cardholders with at least 1.25 miles / $1 spent on all purchases. VentureOne has a $0 foreign transaction fee in addition to its $0 annual fee.… read full answer
If you aren’t planning to go anywhere too adventurous, consider the Discover it Miles card. Discover’s not accepted in as many international locations as Visa or Mastercard, but its US acceptance is pretty good. The Discover Miles card also has good rewards. It offers 1.5 miles per $1 on all purchases, doubled year one.
The best travel credit card for fair credit is Capital One QuicksilverOne because it gives 1.5% cash back on all purchases and has a $0 foreign transaction fee. But there is a $39 annual fee. Another good option for fair credit is the Capital One Platinum Card. It has a $0 annual fee and a $0 foreign transaction fee, but does not offer any rewards.… read full answer
When you have fair credit, it’s difficult to qualify for most travel rewards credit cards, as they tend to require at least a good credit score. But with responsible use, either the QuicksilverOne or Platinum card can help you build your credit to the point where you’ll have high approval odds for better travel rewards cards. Start by paying your bill on time each month, keeping your spending low and applying for only one credit card at a time.
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