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 50,000 miles for spending $3,000 in the first 3 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 100,000 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 points for a statement credit to cover travel purchases made in the past 12 months. BofA Travel Rewards points can also be used for gift cards or for cash back, via paper check or a Bank of America deposit-account credit. You can redeem your points by signing in to your account … read full answeronline or on the BofA mobile app, or by calling (888) 268-7800. The Bank of America Travel Rewards credit card gives at least 1.5 points per $1 spent on purchases, so that can add up quickly.
How to Redeem Bank of America Travel Rewards Points Online
Select the Bank of America Travel Rewards credit card.
Click on the “Rewards” tab.
Browse the rewards options and redeem your Travel Rewards points.
If you travel frequently, you should have no trouble redeeming your Bank of America Travel Rewards points. While you can’t actually use points to purchase travel directly, you can pay for a travel purchase with the card through the BofA Travel Center and earn 3 points per $1 spent. Two days later, you can redeem those points to count toward the travel purchase as long as you have at least 2,500 points ($25 travel value).
If you don’t want to wait, you can redeem immediately for cash back once you’ve collected at least 2,500 points ($15 cash back value). But you’ll need at least 3,125 points to use Travel Rewards points for gift cards.
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 at places like circuses, art galleries, amusement parks, tourist attractions, boat rental agencies, and zoos, along with your ordinary travel expenses like plane tickets and hotel reservations. And unlike a lot of other credit card companies, BofA counts Airbnb rentals in its travel category, which lets you use your points toward those purchases.
The best travel credit card with no annual fee is the Capital One VentureOne Rewards Credit 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. Discover’s not accepted in as many international locations as Visa or Mastercard, but its US acceptance is pretty good. Discover it Miles also has good rewards. It offers 1.5 miles per $1 on all purchases, doubled the first year.
The best credit card for travel with fair credit is the Upgrade Visa® Card with Cash Rewards because it gives unlimited 1.5% cash back on all purchases (after you pay the bill). The Upgrade Credit Card also comes with a $0 annual fee and a 0% foreign transaction fee.
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, you can 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. You can track your progress for free on WalletHub and get customized tips.
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