• How We Evaluated

  • Things to Know About Credit Cards

  • Chase Sapphire Preferred

  • Blue Cash Preferred Card from American Express

  • Amtrak Guest Rewards World Mastercard

  • US Bank Altitude Reserve Visa Infinite Card

  • Citi Double Cash

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.

Best Overall
Chase Sapphire Preferred

The Chase Sapphire Preferred has been a favorite travel credit card for its great benefits and flexible points since it was introduced in 2009. Points earned through the card can be used for all kinds of travel redemptions including hotel stays, cruises, car rentals, and even flights. This card has a $95 annual fee.

Points: Chase created a proprietary reward system called Ultimate Reward points and the more money you spend on your card, the more Ultimate Rewards points you’ll receive. The Sapphire Preferred card offers 2 Ultimate Rewards points per dollar spent on all travel and dining purchases and 1 Ultimate Reward point per dollar spent on everything else. Ultimate Rewards points can then be used to book hotels, cruises, car rentals, vacation rentals, and more directly through Chase’s travel portal at a rate of 1.25 cents per point ($0.0125). For additional flexibility, points can also be transferred to Ultimate Rewards partners. Most Ultimate Rewards transfer partners are airlines, but you can also transfer your points to rewards programs from hotel chains like Hyatt, InterContinental Hotels Group, and Marriott. If you just want the cash back, Ultimate Rewards points can be redeemed for cash at a rate of 1 point for $0.01.

Perks: The Chase Sapphire Preferred has many great benefits in addition to how flexible the points are. It offers primary car rental insurance coverage, meaning if something happens to your rental car you won’t have to make a claim to your own insurance policy first. It also doesn’t charge foreign transaction fees for any trips you make abroad and offers purchase protection and extended warranty protection.

Learn more about the Chase Sapphire Preferred card

Best for Car Travel
Blue Cash Preferred Card from American Express

If you don’t like to fly, there’s a good chance you’ll end up driving to your destination. If you do, then a card that rewards you for gasoline purchases is a solid choice. My top pick for a gas card is the Blue Cash Preferred Card. This is a cash back card with a $95 annual fee.

Points: The Blue Cash Preferred Card gives you 3% cash back on any money spent at U.S. gas stations. You’ll also earn 6% cash back on the first $6,000 per year on spending at U.S. grocery stores (and then 1% at grocery stores after $6,000), and 1% cash back on all other purchases.

Perks: The Blue Cash Preferred Card doesn’t have many additional perks, but it does offer an introductory 0% APR on purchases and balance transfers for the first 12 months. After the introductory APR period, the interest rate will be increased based on your creditworthiness. It also offers secondary car rental loss and damage insurance; secondary means that you must first make a claim to your own car insurance policy.

Learn more about the Blue Cash Preferred Card from American Express

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Best for Train Travel
Amtrak Guest Rewards World Mastercard

If you’d much rather travel by train than plane, and you’re planning on traveling within the United States, you’ll be on Amtrak. While there are two Amtrak-branded cards to choose, we recommend the Amtrak Guest Rewards World Mastercard. This card has a $79 annual fee.

Points: As far as earning points goes, you’ll get 3 Amtrak Guest Rewards points per dollar spent on purchases with Amtrak and 2 Amtrak points per dollar spent on all other travel purchases. Purchases that aren’t travel related will earn 1 Amtrak point per dollar spent. And the Amtrak Card doesn’t have foreign transaction fees, so if your travels take you to places beyond Amtrak’s reach, you can still earn points towards future trips.

Perks: The Amtrak Card comes with a few nice perks. When you open your account, you’ll get a complimentary Companion Coupon, which means you can have two people travel on the same train for the price of one. The Companion Coupon is valid for a free companion rail fare with purchase of a regular adult rail fare, that is valid on both one-way and round-trip Amtrak tickets. There are a few blackout dates for the coupon, but it is overall pretty easy to redeem and can offer fantastic value. You’ll also be able to upgrade to a higher class ticket and get one free pass to an Amtrak lounge when you’re traveling on a regional train.

Learn more about the Amtrak Guest Rewards World Mastercard

US Bank Altitude Reserve Visa Infinite Card

The US Bank Altitude Reserve comes with a hefty $400 annual fee, but it is packed full of benefits that could make it worth it if you value some of the premium benefits this card offers.

Points: For every dollar you spend on travel and with a mobile wallet (like Apple Pay, Samsung Pay, Google Pay, etc.), you’ll earn 3 points. All other purchases made with your Altitude Reserve will earn 1 point per dollar.

Perks: Easily the most valuable benefit of the Altitude Reserve card is the $325 annual travel credit. You will automatically be reimbursed for the first $325 in purchases you make from hotels, car rental companies, taxis, limousines, passenger trains, cruise lines, and airlines. If you use this benefit each year, you effectively bring the annual fee on this card down to only $75 - putting it on par with other cards on this list.

In addition to the travel credit, you’ll also receive a TSA PreCheck/Global Entry fee reimbursement. While these are both programs that are geared toward flyers, members of Global Entry also receive expedited privileges at the US/Canada and US/Mexico land borders when crossing back into the US.

Learn more about the US Bank Altitude Reserve Visa Infinite Card

Citi Double Cash

While the Citi Double Cash card isn’t technically a travel credit card, who can argue about cold hard cash that can still be used for travel? Especially when we’re talking about a card that doesn’t charge an annual fee.

Points: The Citi Double Cash card is simple and straightforward, while still being rewarding. It offers 1% back on every purchase when you make your purchase and 1% back when you pay off your balance. Assuming you do both, the Citi Double Cash card works out to a 2% cash back card.

Perks: Most cards that don’t have annual fees don’t have a ton in the way of additional perks, and the Citi Double Cash doesn’t really stand out here. It does offer a 0% APR on balance transfers for 18 months, as long as the transfer is made within 4 months of opening the account, but that’s all there is to write home about. After the introductory APR period, the APR will increase based on your creditworthiness.

Learn more about the Citi Double Cash card

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

Caroline Lupini



Caroline Lupini is a personal finance and travel writer and a valued contributor to the Reviewed.com family of sites.

See all of Caroline Lupini's reviews

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