Top Ten Credit Cards for Travel, October 2014

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All links have been removed because this list is outdated. Click here for the current list of top credit cards for travel.

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There are a lot of reasons to collect miles and points.

  • For free luxury hotel stays and first class flights
  • To travel to more countries than you could otherwise afford
  • To take your family on vacation
  • To visit home for the holidays
  • To earn big rewards for everyday spending

Whatever your reason for being here, there is a rewards card or cards that suit your needs.

Want Bed Head at 35k Feet? There's a Card for That
Want Bed Head at 35k Feet? There’s a Card for That

Since the start of last year, I’ve been to 30 countries, travel that would have been completely impossible without miles and points earned from credit cards. This has been my life thanks to miles:

  • Hiking the Great Wall of China with my brother
  • Straddling the line between North and South Korea
  • Watching dragons dance at the Mid-Autumn Festival in Hong Kong
  • Eating more steak than anyone should in Brazil and Argentina
  • Cliff jumping in Dubrovnik, Croatia
  • Leading an “Aussie! Aussie! Aussie!” cheer in Rod Laver Arena during the Australian Open tennis tournament in Melbourne, Australia
  • Scuba diving in the Great Barrier Reef
  • Eating Thai-hot Thai curry in Thailand at Thai prices
  • Biking in the Lake District of Patagonia in Bariloche, Argentina
  • Spending three days at Oktoberfest in Munich, Germany
  • Seeing Angkor Wat near Siem Reap, Cambodia
  • Getting some home cooking from my mom who lives 5,000 miles away
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2013 Flights

If you don’t have the money to take your dream trips, the good news is that you don’t need much money. By maximizing the sign up bonuses on rewards cards, anyone with good credit can take a dream trip anywhere in the world.

  • How can you earn rewards for the trips of your dreams?
  • What are the best credit card offers for September 2014?
  • Which of the cards on the list expire in the next few days?

1. Ink Plus

Limited Time Offer

The Ink Plus is a business card that is temporarily offering 70,000 Ultimate Rewards after spending $5,000 in the first three months. The normal sign up bonus is 50,000 points. Ultimate Rewards transfer 1:1 to United, British Airways, Singapore, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

The Ink Plus earns 5x points on internet, phone, and cell phone bills; 5x points on purchases at office supply stores; 2x points on hotels and gas; and 1x points on everything else.

This offer on the Ink Plus does NOT waive the $95 annual fee for the first year.

I used Ultimate Rewards (transferred to Hyatt points) to book the Grand Hyatt Macau and Ultimate Rewards (transferred to United miles) to book Slovenia-to-North Carolina in Lufthansa First Class on a recent trip.

2. Citi American Airlines MasterCard

Citi offers the Citi® / AAdvantage® Platinum Select® MasterCard®  with 50,000 bonus miles after spending $3k in three months.

The other huge benefit is that cardholders get a 10% rebate on all American Airlines award redemptions up to 100k redeemed/10k rebated per year. Example: You book Cathay Pacific First Class from San Francisco to Hong Kong for 67.5k miles. In a few weeks, you get 6,750 miles rebated to your account.

The card also comes with a free checked bag, priority boarding, 25% off onboard food purchases, 2 miles per dollar on AA flights, and one mile per dollar on everything else.

There is no annual fee the first year, then $95

Application link: Citi® / AAdvantage® Platinum Select® MasterCard®

3. US Airways Premier World MasterCard

The US Airways® Premier World MasterCard® is now offering 40,000 bonus miles after first purchase. US Airways miles are the most valuable miles right now because of how cheap business class awards are on the US Airways award chart.

Here are all the places you can go with just the sign up bonus on this card!

The other big perks are a 5,000 mile discount on awards booked entirely on US Airways metal and a free checked bag for you and four companions on paid US Airways flights purchased with the cards.

The card earns 1 US Airways mile per dollar on all purchases and 2 miles per dollar on US Airways purchases.

There is an $89 annual fee.

US Airways has an incredible award chart to use the miles now, or they will be converted to American Airlines miles during the merger, which is a fair conversion.

This card will disappear in early 2015 when US Airways’ and American Airlines’ loyalty programs combine. Any miles you have will be safe and converted to American Airlines miles. Don’t miss out on getting this card and its bonus before the merger is complete.

Application Link: The US Airways® Premier World MasterCard®

4. Citi ThankYou Premier Rewards Card

The Citi ThankYou® Premier Rewards Card offers 20,000 bonus points after $2,000 in purchases within the first 3 months of account opening and an additional 30,000 bonus points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember. That’s 50,000 bonus ThankYou points total.

Citi just announced that ThankYou points transfer to nine airlines and one hotel.

My favorite transfer partner is Singapore Airlines. For 50,000 Singapore miles, you can book a roundtrip award to South America with two free one ways to Hawaii, all on United flights.

My second favorite partner is Flying Blue. Flying Blue miles can book Promo Awards that cost only 12,500 miles each way to Europe or Israel. You can also use Flying Blue miles to book one way awards on Delta like 15,000 miles to Hawaii, Central America, or the Caribbean.

I also love this card’s big category bonuses like 3x on entertainment and dining.

The card has no annual fee the first year, then $125.

Application Link: Citi ThankYou® Premier Rewards Card

I just got my Citi ThankYou Premier Rewards card in February, and I have not had a chance to use the rewards yet.

5. Arrival Plus

The Barclaycard Arrival PlusTM World Elite MasterCard® is a great card for families that travel in economy, since Arrival miles can be used to book any flight on any airline with no blackouts. Miles can also be redeemed for any hotel or other travel expense.

This card comes with 40,000 bonus miles after spending $3,000 in the first 90 days and earns 2 miles per dollar on all purchases.

Miles are worth 1.14 cents each, so spending $3,000 on the card in the first 90 days earns more than $500 in free flights or other travel expenses.

With this card you can book any flight on any airline at any time, or any hotel, or rental car, then redeem your miles for a statement credit equal to the cost. Here’s how.

The 40,000 bonus miles could be used on any $400 flight without the need to find award space. You would even earn miles for flying the flight, since the airline will see it as a cash ticket!

Plus you get a 10% rebate after every redemption for travel, so after redeeming the 40,000 miles for $400 in travel, you get 4,000 miles back, worth $40 more dollars.

I have used my Arrival miles on a recent trip to book a motel and domestic flights like a $150 trip from Raleigh to Tampa that would have been a poor value with traditional miles. I also used my Arrival Plus recently to book myself a free Airbnb stay and to pay the taxes on an award booked with traditional miles.

This card fills the gaps in a miles strategy because the rewards are perfect for cheap domestic flights or hotels that otherwise would be bad redemptions with traditional airline miles and hotel points.

There is no annual fee the first year, $89 thereafter.

Application Link: Barclaycard Arrival PlusTM World Elite MasterCard®

6. Sapphire Preferred

The Chase Sapphire Preferred is a personal card that earns 40k Ultimate Rewards after spending $3k in 3 months. Ultimate Rewards transfer 1:1 to United, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

You also get 5k bonus points for adding an authorized user while applying, so I think of this as a 45k bonus point card. (Adding an authorized user does not prevent that person from getting the card at the same time or in the future as a primary account holder and getting the full sign up bonus.)

The Sapphire Preferred earns 2x points on dining and travel. Dining includes bars, restaurants, and fast food. Travel includes airfare, hotels, taxis, rental cars, tolls, parking, and much more.

The Sapphire Preferred has no annual fee the first year, then $95 thereafter.

7. Citi Hilton HHonors Reserve Card

The Citi® Hilton HHonors™ Reserve Card is the best card for giving you free luxury hotel nights. The card comes with two free weekend nights at Hiltons worldwide after spending $2,500 in the first four months. The free nights are best spent at top-tier Hiltons and Conrads that can go for $500 or more per night.

This card is perfect to get aspirational stays at top tier properties like the Conrad Koh Samui that goes for 95,000 Hilton points per night and costs more than $1k per night.

The card also comes with Hilton Gold Status, so you can enjoy free internet and breakfast on those free stays.

The card earns 10x points on Hilton stays, 5x on airlines and car rentals, and 3x on all other purchases.

There card has no foreign transaction fee. The annual fee is $95.

Application Link: Citi® Hilton HHonors™ Reserve Card

8. Platinum Card from American Express Exclusively for Mercedes-Benz

The Platinum Card from American Express Exclusively for Mercedes-Benz comes with 50,000 Membership Rewards after spending $3,000 in the first three months.

The card has a $475 annual fee in the first year. But it comes with huge benefits like airline fee reimbursement, airport lounge access, and hotel status.

For more info on setting up and maximizing the benefits, see Get the Most Out of Your Platinum Card.

Landing Page: Platinum Card from American Express Exclusively for Mercedes-Benz

9. British Airways Card

The British Airways Visa Signature card comes with 50,000 bonus Avios after spending $2,000 in the first three months on the card.

The card comes with 2.5 Avios per dollar on British Airways purchases and 1.25 Avios per dollar on other purchases.

British Airways Avios are perfect for short, direct, economy flights on British Airways partners that do not levy fuel surcharges like these partners.

For instance, the west coast to Hawaii on American Airlines or Alaska Airlines flights for 12,500 Avios or only 4,500 Avios between New York and a dozen destinations are two of many sweet spots.

The card has a $95 annual fee that is not waived.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.

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7 COMMENTS

    • That include status? No
      That include many of the benefits of lower tier status like free checked bag and early boarding? Yes
      That include some status miles or the waiver of the requirement to spend a certain amount on plane tickets in a year to get status? Yes

      • re: 24 months. i never know if that means 24 months since the previous card was cancelled or 24 months from the 1st day you got a card.

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