Best Credit Cards — October 2024

To make choosing your next card a bit easier, we've ranked the best credit card offers below with an eye toward those that can help you book luxury travel. Factors include: the welcome/sign-up bonus, bonus categories, and perks/benefits.

We strive to find the best offers available even if we won't earn a commission or earn a referral bonus. If you think we've missed a better offer, please let us know so we can investigate.

Best travel credit cards

What kind of card are you looking for?

Under 5/24
Over 5/24
Transferrable
Rent
Travel
Cash Back
Let's get straight to the point(s). We may earn a commission or referral bonus if you use the links on this page. We do our best to keep track of the best credit card offers publicly available. The opinions expressed here are the author's alone and have not been reviewed, approved, or endorsed by outside parties. Please see our advertiser policy for further details. Thanks so much for your support!
British Airways Visa Signature
CURRENT OFFER
85,000
Avios
Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Earn a Travel Together (2-for-1) ticket after spending $30,000 in a calendar year.
Iberia Visa Signature
CURRENT OFFER
85,000
Avios
Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
10% discount on Iberia flights and a $1,000 discount voucher if you spend $30,000 in a calendar year.
Delta SkyMiles® Platinum Business American Express Card
CURRENT OFFER
60,000
Delta SkyMiles®
Plus 5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after you spend $3,000 in purchases on your new Card in the first 3 months.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
A big welcome bonus, a companion certificate, a free checked bag on domestic Delta flights, plus help earning elite status make this a solid option for Delta flyers.
Aer Lingus Visa Signature®
CURRENT OFFER
85,000
Avios
Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Earn a Companion Ticket after spending $30,000 in a calendar year.
Delta SkyMiles® Reserve Business American Express Card
CURRENT OFFER
60,000
Delta SkyMiles®
Plus 10,000 MQMs, and a $100 statement credit after you spend $4,000 in the first 3 months.
ANNUAL FEE
$550
Terms apply
WHY WE LIKE IT
A companion certificate for a domestic first class flight, a free checked bag on domestic Delta flights, a Sky Club membership and a boost toward elite status, this card can be a nice boost for a regular Delta flyer.
Delta SkyMiles® Platinum American Express Card
CURRENT OFFER
50,000
Delta SkyMiles®
and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus earn up to $100 in statement credits for eligible purchases at U.S. restaurants in the first three months.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
A big welcome bonus, a companion certificate, a free checked bag on domestic Delta flights, plus help earning elite status make this a solid option for Delta flyers.
The Marriott Bonvoy Boundless Card
CURRENT OFFER
3
Free Nights
(Valued up to 150,000 points) after you spend $3,000 on eligible purchases within the first 3 months from account opening with your Marriott Bonvoy Boundless® credit card. Certain hotels have resort fees.* Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
You’ll receive an annual free night certificate (worth up to 35k points) and 15 elite night credits which make it much easier to earn Platinum Elite status.
Aeroplan Credit Card
CURRENT OFFER
Up to 100,000
Aeroplan Points
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
An easy way to earn points for award tickets on Star Alliance carriers, Etihad, and more. 3x at grocery stores is a great bonus category.
Delta SkyMiles® Reserve American Express Card
CURRENT OFFER
50,000
Delta SkyMiles®
and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Plus earn up to $10 back in statement credits for eligible purchases at U.S. restaurants in the first three months.
ANNUAL FEE
$550
Terms apply
WHY WE LIKE IT
A companion certificate for a domestic first class flight, a free checked bag on domestic Delta flights, a Sky Club membership and a boost toward elite status, this card can be a nice boost for a regular Delta flyer.
United℠ Business Card
CURRENT OFFER
75,000
United Miles
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A solid option to earn some more United miles for United or Star Alliance flights.
United Club Business Card
CURRENT OFFER
50,000
United Miles
after $5,000 on purchases in the first 3 months your account is open. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$450
Terms apply
WHY WE LIKE IT
The best perk is the United Club membership. When flying United or Star Alliance carriers, this provides access to United Clubs (plus children or two guests) and many Star Alliance business class lounges (plus one guest on your flight).
United Quest℠
CURRENT OFFER
60,000
United Miles
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
The United Quest Card is probably the co-branded United card overall with a nice bonus plus ways for United flyers to offset the annual fee.
United Club℠ Infinite
CURRENT OFFER
80,000
United Miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$525
Terms apply
WHY WE LIKE IT
The best perk is the United Club membership. When flying United or Star Alliance carriers, this provides access to United Clubs (plus children or two guests) and many Star Alliance business class lounges (plus one guest on your flight).
United℠ Explorer Card
CURRENT OFFER
50,000
United Miles
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
The Explorer Card lost a bit of its luster with the launch of the Quest Card. However, with a good welcome bonus, the lower annual fee and free checked bag perk might be enough for some folks.
World of Hyatt Business Credit Card
CURRENT OFFER
60,000
Bonus Points
after you spend $5,000 on purchases in your first 3 months from account opening
ANNUAL FEE
$199
Terms apply
WHY WE LIKE IT
A solid welcome bonus plus the ability to earn elite nights per $10,000, it’s a great business card option for those who like Hyatt.
Delta SkyMiles® Gold Business American Express Card
CURRENT OFFER
50,000
Delta SkyMiles®
and a $50 statement credit after you spend $2,000 in purchases on your new Card in the first 3 months.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A nice welcome bonus, a free checked bag on domestic Delta flights, plus help earning elite status make this a solid option for Delta flyers.
Delta SkyMiles® Gold American Express Card
CURRENT OFFER
40,000
Delta SkyMiles®
after you spend $1,000 in purchases on your new card in your first 3 months. Plus earn up to $50 back in statement credits for eligible purchases at U.S. restaurants in the first three months.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A nice welcome bonus, a free checked bag on domestic Delta flights, plus help earning elite status make this a solid option for Delta flyers.
IHG Rewards Premier Business Credit Card
CURRENT OFFER
140,000
IHG Points
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A solid option for business owners (and anyone with a side hustle) to earn some IHG points.
IHG® One Rewards Premier Credit Card
CURRENT OFFER
140,000
Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A free night certificate on your account anniversary worth up to 40k points, 4th night free on award bookings, and Platinum Elite status make this a card worth considering.
World of Hyatt Credit Card
CURRENT OFFER
5 free nights
Earn 5 free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
You’ll get an annual free night certificate for a Category 1-4 property and you can earn a second by spending $15,000 in a year. You’ll get 5 elite nights each year with the card plus you can earn 2 elite nights per $5,000 spent.
Southwest Rapid Rewards® Priority Card
CURRENT OFFER
85,000
Rapid Rewards® Points
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$149
Terms apply
WHY WE LIKE IT
Quite possibly the best personal Southwest card of the bunch. You get 4 upgraded boardings each year, 7,500 Rapid Rewards points upon renewal, and a $75 Southwest credit each year. And, of course, it can help you earn the Southwest Companion Pass.
Southwest Rapid Rewards® Plus
CURRENT OFFER
85,000
Rapid Rewards® Points
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$69
Terms apply
WHY WE LIKE IT
With no annual fee, this card can help you earn the Southwest Companion Pass. You’ll also receive 2 upgraded boardings each year as well as 3,000 Rapid Rewards points upon renewal.
Southwest Rapid Rewards® Premier
CURRENT OFFER
60,000
Rapid Rewards® Points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A cheaper alternative to the Southwest Priority card, you’ll receive 2 upgraded boardings each year as well as 6,000 Rapid Rewards points upon renewal. Points you earn with this card count toward the Southwest Companion Pass.
IHG One Rewards Traveler Credit Card
CURRENT OFFER
80,000
Bonus Points
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Even with no annual fee, you can get a 4th night free on your award stays. Personally, I’d prefer the IHG Premier Card.
Southwest Rapid Rewards® Performance Business Card
CURRENT OFFER
80,000
Rapid Rewards® Points
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$199
Terms apply
WHY WE LIKE IT
A great option to help you earn the Southwest Companion Pass. Plus, you’ll receive 4 upgraded boardings each year and 9,000 Rapid Rewards points upon renewal.
Southwest Rapid Rewards® Premier Business Card
CURRENT OFFER
60,000
Rapid Rewards® Points
after $3,000 spend in 3 months
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
This card can help you earn the Southwest Companion Pass with a low annual fee. You’ll also receive 2 upgraded boardings each year as well as 6,000 Rapid Rewards points upon renewal.
Citi / AAdvantage Executive World Elite Mastercard
CURRENT OFFER
100,000
AAdvantage Miles
Earn 100,000 miles after $10,000 in purchases within the first 3 months of account opening. Plus, enjoy a complimentary Admirals Club membership (a value of up to $850).
ANNUAL FEE
$595
Terms apply
WHY WE LIKE IT
The Citi AAdvantage Executive card is designed for people who regularly fly American Airlines and want lounge access. You can also get a Loyalty Points boost to help you earn the next level of elite status with American AAdvantage.
CitiBusiness / AAdvantage Platinum Select World Elite
CURRENT OFFER
75,000
AAdvantage Miles
after spending $5,000 in purchases within the first 5 months of account opening.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
This card offers a great welcome bonus that can help you book some fun business (and first) class flights. You also get a free checked bag on domestic American flights.
Citi / AAdvantage Platinum Select World Elite Mastercard
CURRENT OFFER
50,000
AAdvantage® Miles
after $2,500 in purchases within the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
If you need a big chunk of American miles and would like a free checked bag on your domestic American flights, look no further.
Alaska Airlines Visa Business Card
CURRENT OFFER
75,000
Alaska Miles
Get 75,000 bonus miles plus Alaska’s Famous Companion Fare from $122 ($99 fare plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account. Plus, get an additional 5,000 bonus miles when you apply today through this application and make the same qualifying purchases. Use any 6-digit referral code when applying Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$70
Terms apply
WHY WE LIKE IT
Alaska miles are great for business and first class flights to Asia. It may be possible to get a better offer by going through the process to book flight.
Alaska Airlines Visa Card
CURRENT OFFER
75,000
Alaska Miles
Get 75,000 bonus miles plus Alaska’s Famous Companion Fare ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Alaska miles are great for business and first class flights to Asia. Currently, this is your best option for earning Alaska miles.
AAdvantage Aviator Red World Elite MasterCard
CURRENT OFFER
Up to 70,000
AAdvantage® Miles
after making your first purchase in the first 90 days. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
Quite possibly the easiest welcome bonus to earn as you’ll need to make just one purchase. It doesn’t hurt that the miles you’ll earn are valuable American miles.
AAdvantage Aviator World Elite Business Mastercard
CURRENT OFFER
Up to 75,000
AAdvantage Miles
Earn 60,000 bonus miles after spending $5,000 on purchases in the first 90 days. Plus, earn 15,000 bonus miles after spending a total of $15,000 on purchases in the first 12 months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
A solid business card if you want to earn some American miles. You’ll receive a 5% bonus on the AA miles earned via this card after your account anniversary.
Marriott Bonvoy Business American Express Card
CURRENT OFFER
Ending soon
5 Free Nights
Marriott Bonvoy Points
LIMITED TIME OFFER: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays after you use your new card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 10/16. Resort fees & terms apply.
ANNUAL FEE
$125
Terms apply
WHY WE LIKE IT
A solid welcome bonus, 15 elite night credits each year, plus an annual free night certificate (up to 35,000 points) makes this a solid business card option for those who stay with Marriott.
Hilton American Express Aspire Card
CURRENT OFFER
175,000
Hilton Honors Points
after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/31/2024. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$450
Terms apply
WHY WE LIKE IT
Provides Diamond status which makes it an excellent card for those who regularly stay at Hilton properties. You’ll also receive a free weekend night certificate your first year and after you renew each year.
Air France-KLM World Elite Mastercard
CURRENT OFFER
70,000
Flying Blue Miles
Earn 70,000 Bonus Miles and 40 XP after you make at least $2,000 in purchases within the first 90 days of your account opening. You'll also earn 60 XP upon approval. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$89
Terms apply
WHY WE LIKE IT
3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines
Hilton Honors American Express Surpass Card
CURRENT OFFER
130,000
Hilton Honors Points
after you spend $3,000 in purchases on the Card in the first 6 months Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Cardholders receive complimentary Hilton Gold status. Earn a Free Night Reward when you spend $15,000 in a calendar year. Earn Diamond by spending $40,000 on the card in a calendar year.
Hilton Honors American Express Business Card
CURRENT OFFER
175,000
Hilton Honors Points
after spending $3,000 within the first three months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
As a cardholder you’ll get Hilton Gold status which provides free breakfast at many Hilton brands. Additionally, you can earn up to two free weekend night certificates. You’ll also receive 10 passes to Priority Pass lounges.
Hilton Honors Card
CURRENT OFFER
70,000
Hilton Honors Points
Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Cardholders receive Hilton Silver status. Earn Gold Status when you spend $20,000 on the Card in a calendar year.
Marriott Bonvoy Bevy
CURRENT OFFER
85,000
Bonus Points
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
Marriott Bonvoy Brilliant™ American Express® Card
CURRENT OFFER
95,000
Marriott Bonvoy Points
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
ANNUAL FEE
$650
Terms apply
WHY WE LIKE IT
The annual $300 Marriott credit plus an annual free night certificate worth up to 50,000 points can really help offset the annual fee. It also comes with Priority pass Select membership so you can access plenty of airport lounges.
Wyndham Rewards Earner Plus Card
CURRENT OFFER
100,000
Wyndam Points
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$75
Terms apply
WHY WE LIKE IT
You get complimentary Platinum status + 7,500 points on your account anniversary.
Wyndham Rewards Earner Business Card
CURRENT OFFER
100,000
Wyndam Points
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$75
Terms apply
WHY WE LIKE IT
You get complimentary Diamond status + 15,000 points on your account anniversary.
Miles & More World Elite Mastercard
CURRENT OFFER
80,000
Miles & More Points
Earn 80,000 miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
ANNUAL FEE
$89
Terms apply
WHY WE LIKE IT
With Lufthansa Miles & More miles, you can access Lufthansa first class award space earlier than Star Alliance partners.

Featured In

Award Alerts
What Are Award Alerts?
Register For Award Alerts
Award Alert Example
Travel Credit Cards
Best Travel Cards
Chase Cards
Amex Cards
Small Business Cards
Airline Cards
Hotel Cards
Resources
Luxury Hotel Bookings
Points Strategy Consulting
Award Booking Service
Guides
Contact STTP
Member Login
©2024 Straight To The Points. All Rights Reserved | Terms | Privacy | Disclosure