How We Evaluated
Because I’ve been traveling for years, I know what benefits travelers will need and use. To examine cards for surface-based travel, I looked at major credit cards that are co-branded with cruises and trains as well as cards that offer flexible points that can be used for different types of travel-related redemptions other than flying. The best cards were chosen based on the value of rewards (both points and perks), fees, and general accessibility.
Things to Know About Credit Cards
Most of these cards come with an annual fee, but some cards offer perks each year that are worth more than the fee total. The US Bank Altitude Reserve Visa Card card is probably the best example of this.
APR rates and credit limits vary based on your individual credit. Credit limits and interest rates for each card are determined based on each cardholder's personal situation, so we did not take that information into account when evaluating these cards. One thing to remember is that if you pay your card off in full every month, you will not be charged interest.
Banks have final say on who they accept for a credit card. These recommendations were put together with the assumption that applicants would have average credit or above. That being said, banks decide who they will issue credit cards to using criteria including, but not always limited to, an individual's credit score when evaluating each applicant.
If you're looking for the best credit cards to maximize your hotel stay, check out our guide The Best Credit Cards for Hotel Guests
Please note: The offers mentioned above are subject to change at any time and some may no longer be available.
Reviewed has partnered with CardRatings for our coverage of credit card products. Reviewed and CardRatings may receive a commission from card issuers.
Meet the tester
Caroline Lupini is a personal finance and travel writer and a valued contributor to the Reviewed.com family of sites.
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We use standardized and scientific testing methods to scrutinize every product and provide you with objectively accurate results. If you’ve found different results in your own research, email us and we’ll compare notes. If it looks substantial, we’ll gladly re-test a product to try and reproduce these results. After all, peer reviews are a critical part of any scientific process.
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