free travel for seniors

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2024 Best Travel Discounts For Seniors

© The Senior List, 2024.  If you plan on recommending or sharing any of our discount lists, please do so with appropriate attribution to The Senior List® and a link back to our website.

*Please note: Some of the discounts you'll see below are offered by franchise owners in local markets.  This means that senior discounts may vary by location.

Our List of Best Travel Discounts for Seniors is full of verified senior discounts.  Senior Discounts that have a verified flag next to them have vetted by us or our community members.

Remember that discount policies can change throughout the year.  Our best advice for discount shoppers is to ask ahead of time so there are no surprises.

Best Travel Discounts For Seniors

Senior Discounts On Airline Tickets

American Airlines: Various discounts for 65 and up (call directly about possible senior discounts, only available for certain markets and flights). Southwest Airlines : Various discounts for ages 65 and up (call to apply senior discount). verified British Airlines: AARP members can save up to $200 on flights. Click here to book travel. verified United Airlines : Various discounts for ages 65 and up (call to apply senior discount). verified U.S. Airways:  Has merged with American Airlines (see above). verified

Save hundreds of dollars on travel with a $12 per year AARP membership.

Senior Discounts on Car Rentals

Alamo Car Rental: Up to 25% off for AARP members verified Avis Senior Discounts:  AARP members save $10-$25 off Avis Car Rental  verified Budget Rent-A-Car Senior Discount : Everyday savings of 10-25% on all vehicles (domestic and international). Use Budget Customer Discount (BCD) # Y508537 to get the lowest rate(s) for AARP members (50+) verified Dollar Rent-A-Car: 10% off (50+) Hertz Senior Discount : Hertz offers exclusive rental car deals for renters 50+. Use discount code CDP# 2007815. verified Payless Senior Discount : AARP members enjoy discounts at Payless Car Rental, including everyday savings of 5% on leisure daily, weekly, weekend, and monthly rates. Use Payless Promo Code KW47RY verified

RELATED READ: SAVE MONEY ON FOOD WHILE TRAVELING

Senior Discounts on Hotels

Best Western Senior Discount : 10% or more for AARP or senior guests (55+) verified Cambria Suites  Senior Discount: (Choice Hotels) “Senior Rate”:  If you are 60+ or an AARP member, you'll save up to 10% with advance reservations. Just select “Senior/AARP” from the special rate dropdown or request the Senior Rate* when you call 800-4CHOICE (800-424-6423). (60+) verified Candlewood Suites :  Discounts vary (62+) verified Clarion Hotels – (Choice Hotels) “Senior Rate”:  If you are 60+ or an AARP member, you'll save up to 10% with advance reservations. Just select “Senior/AARP” from the special rate dropdown or request the Senior Rate* when you call 800-4CHOICE (800-424-6423). (60+) verified Comfort Inn  Senior Discount : (Choice Hotels) “Senior Rate”:  If you are 60+ or an AARP member, you'll save up to 10% with advance reservations. Just select “Senior/AARP” from the special rate dropdown or request the Senior Rate* when you call 800-4CHOICE (800-424-6423). (60+) verified Comfort Suites – (Choice Hotels) “Senior Rate”:  If you are 60+ or an AARP member, you'll save up to 10% with advance reservations. Just select “Senior/AARP” from the special rate dropdown or request the Senior Rate* when you call 800-4CHOICE (800-424-6423). (60+) verified

Related : Worried about falls or medical emergencies while traveling? Get help wherever you may roam. Check out the best cellular medical alert systems here .

Crown Plaza :  Discounts vary (62+) verified Days Inn :  Discounts vary (60+) You can also call 1-800-225-3297 and request the “senior rate”  verified Hampton Inn & Suites – AARP members save 10% verified Holiday Inn  Senior Discounts :  Discounts vary (62+) or with valid membership ID of a retired persons organization. verified Howard Johnson Hotel  Discounts :  Discounts off best available rate (60+) You can also call 1-800-225-3297 and request the “senior rate”.   verified Hyatt Senior Discounts :  Up to 50% off (62+) verified Knights Inn :  Up to 10% off (60+) verified La Quinta  Inn Senior Discount :  Discounts vary (65+) verified Marriott Senior Discount :  15% off (62+) verified Motel 6 :  10% off (60+), AMAC members 10% off by using code CP545906 verified Sleep Inn – (Choice Hotels) “Senior Rate” :  If you are 60+ or an AARP member, you'll save up to 10% with advance reservations. Just select “Senior/AARP” from the special rate dropdown or request the Senior Rate* when you call 800-4CHOICE (800-424-6423). (60+) verified Super 8 :  Seniors save 10% off (up to 20% with AARP card) verified Travelodge Senior Discount :  Discounts vary (60+) verified Wyndham Hotels :  Up to 20% with AARP card, AMAC members 20% off verified

Cruise Discounts For Seniors

The cruise lines are always offering discounted fares for one reason or another.  Make sure you call your favorite cruise line to make sure you're getting the best deal for the month in which you're cruising.  In most cases, the big cruise lines like Carnival Cruises , Norwegian, Celebrity Cruises, and Royal Caribbean will offer discounts to those travelers that are 55 and older . (Be sure to ask).

Other Travel Discounts for Seniors

National Parks Senior Lifetime Pass : A $10.00 **Lifetime Pass provides access to more than 2,000 recreation sites managed by five Federal agencies (62+). **Note – This price increases to $80 on Aug. 28, 2017   verified Greyhound : 5% discount (62+) verified Amtrak Senior Discounts : Amtrak travelers (62+) years of age and over are eligible to receive a 15% discount on the lowest available rail fare on most Amtrak trains. On cross-border services operated jointly by Amtrak and VIA Rail Canada, a 10% Senior discount is applicable to travelers (60+). verified

Other Senior Discounts:

2024 BIG LIST List of Restaurant Discounts For Seniors

2024 List of Senior Discounts for Retail and Apparel

2024 List of Senior Discounts on Prescription Medications 

Chris Clark

For over a decade, Chris has been writing about senior discounts and deals. He finds the hunt for discounts rewarding because it allows him to take care of older adults by offering them senior-specific pricing. As the son of two social workers, Chris has spent his whole life advocating for the betterment of others. When he isn’t researching senior discounts, Chris enjoys fishing, spending time with his sons, and rooting for his favorite team, the Portland Trail Blazers. Learn more about Chris here

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Free Transportation for Senior Citizens (2023): Complete Guide to US Programs

Are you looking for free transportation for seniors in your area? You’re in the right place!

On this page you’ll find the most comprehensive listing of free transportation programs for the elderly, including programs that operate across the country. 

We also have individual directories for each of the 50 US states. If you’d like to see free transportation programs that operate only in your city and/or state , please click your state below and you’ll be taken to the directory:

State-Level Free Transportation Programs for Seniors:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho

Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi

Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma

Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

National Free Transportation Programs for Seniors:

American cancer society – road to recovery volunteer transportation, program description:.

The American Cancer Society is a nationwide, community-based voluntary health organization dedicated to eliminating cancer as a major health problem. 

Their Global Headquarters are located in Atlanta, Georgia, and they have more than 350 regional and local offices throughout the country to ensure we have a presence in every community.

The American Cancer Society Road To Recovery program provides transportation to and from treatment for people with cancer who do not have a ride or are unable to drive themselves.

• Service Area: Nationwide
• Transportation Services Provided: cancer-related medical appointments
• Eligibility Criteria: The following are eligible to receive transportation:
• Clients must be traveling to a cancer-related medical appointment.
• Other eligibility requirements may apply. For example, a caregiver may need to accompany a patient who cannot walk without help, or is under age 18.
• Application Details: 
• Applicants must call at 1-800-227-2345 well in advance of their appointment date because it can take several business days to coordinate their ride.
• Other Details: 
• 1 Due to public safety concerns related to COVID-19, your American Cancer Society is not currently setting up or coordinating patient rides to cancer-related appointments. We will update this message as conditions change. For other ACS support, please reach out to us via Live Chat, or call our Cancer Helpline at 1-800-227-2345.
• Road to Recovery

United States Department of Veteran Affairs (DAV) – Veterans Transportation Service (VTS)

The Department of Veterans Affairs runs programs benefiting veterans and members of their families. It offers education opportunities and rehabilitation services and provides compensation 

payments for disabilities or death related to military service, home loan guaranties, pensions, burials, and health care that includes the services of nursing homes, clinics, and medical centers.

VA recognizes Veterans who are visually impaired , elderly, or immobilized due to disease or disability, and particularly those living in remote and rural areas face challenges traveling to their VA health care appointments. Veterans Transportation Service (VTS) is working to establish Mobility Managers at each local VA facility to help Veterans meet their transportation needs.

• Service Area: see for each state: Veterans Transportation Service Locations
• Transportation Services Provided: rides to health care appointments
• be veterans who are eligible for VA health care benefits;
• have a VA-authorized appointment;
• be eligible for transportation through the VTS program based on the availability and guidelines in place at their local facility.
• Applicants should contact the VTS office near them for further details.
• 1 Participating VA medical centers (VAMCs) offer VTS to assist Veterans in accessing transportation to VA medical facilities or authorized non-VA appointments to receive the care they have earned. VTS provides qualifying Veterans with free transportation services to and/or from participating VA medical centers (VAMCs) in a multi-passenger van.
• 2 Each local VA authorized facility has ridership guidelines based on their capabilities.
• 3 A list with the VTS offices in the US: Veterans Transportation Service Locations
• Veterans Transportation Service Locations

The Salvation Army, United States Central Territory – Nicor “Sharing” Program

No Transportation service available on the website

• Service Area:see for each state: communities in 11 Midwestern States: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska , North Dakota, South Dakota and Wisconsin.
• Transportation Services Provided: 
• Eligibility Criteria: 

American Cancer Society – Hope Lodge Transportation Services

Hope Lodge is a program of the American Cancer Society that offers cancer patients and their caregivers a free place to stay when their best hope for effective treatment may be in another city. 

There are more than 30 Hope Lodge throughout the United States and Puerto Rico. Transportation may be provided by the Hope Lodge community or nearby treatment facilities.:

• Service Area: Atlanta, GA; Baltimore, MD; Birmingham, AL; Boston, MA; Burlington, VT; Charleston, SC; Cleveland, OH; Dallas, TX; Greenville, NC; Honolulu, HI; Houston, TX; Iowa City, IA; Jackson, MS; Jacksonville, FL; Kansas City, MO; Lexington, KY; Lubbock, TX; Memphis, TN; Minneapolis, MN; Nashville, TN; New Orleans, LA; New York City, NY; Oklahoma City, OK; Omaha, NE; Philadelphia, PA; Rochester, MN; Rochester, NY; Salt Lake City, UT; San Juan, PR; St. Louis, MO; Tampa, FL.
• cancer patients and caregivers;
• traveling far from home for outpatient medical care related to the patient’s cancer diagnosis;
• be in active cancer treatment;
• permanently reside more than 40 miles or one hour away from their cancer treatment center. Each patient must be accompanied by a caregiver.
• stay at Hope Lodge;
• ask the Hope Lodge staff about specific transportation options available at this location.
• 1 In response to the COVID-19 pandemic, ACS suspended Hope Lodge operations on March 27, 2020, because we could no longer ensure the health and safety of our immune-compromised cancer patient residents, volunteers, and staff. Until we are able to safely host patients again, ACS is offering our Hope Lodge facilities as free temporary housing for health care workers who are unable to return home for fear of exposing their families to the coronavirus.
• 2 All lodging requests must begin with a referral from the patient’s treatment facility located near the Hope Lodge community. Potential guests should coordinate a request through their treatment facility doctor or social worker. Rooms are available on a first-referred, first-served basis.
• American Cancer Society Transportation
• American Cancer Society Hope Lodge

LogistiCare – Medicaid Non-Emergency Medical Transportation

ModivCare Solutions, LLC is a wholly owned subsidiary of ModivCare Inc. (NASDAQ: MODV). As the nation’s largest manager of non-emergency medical 

transportation, LogistiCare manages more than 63 million rides annually in 50 states and the District of Columbia.

• Service Area: 50 states and the District of Columbia
• Transportation Services Provided: Medicaid non-emergency medical transportation
• Every member plan, whether Medicaid or private insurance , has a different set of eligibility requirements.
• Members, families, social workers, and health care professionals all book rides via the online reservation portals or call centers. LogistiCare ensures eligibility and schedules the most appropriate transportation provider to meet their needs.
• 1Medicaid paid: States establish and administer their own Medicaid programs and determine the type , amount, duration, and scope of services within broad federal guidelines. Federal law requires states to provide certain mandatory benefits (inclcuding Transportation to medical care) and allows states the choice of covering other optional benefits. Mandatory benefits include services including inpatient and outpatient hospital services, physician services, laboratory and x-ray services, and home health services, among others. Optional benefits include services including prescription drugs, case management, physical therapy, and occupational therapy. Medicare Advantage covers some NEMT transportation.LogistiCare presence map in United States: Reservation Numbers & Location Map | LogistiCare Solutions
• Mandatory & Optional Medicaid Benefits

MTM – Medicaid Non-Emergency Medical Transportation

As one of the nation’s most experienced and qualified non-emergency medical transportation (NEMT) brokers, MTM was founded in 1995 by Peg and Lynn Griswold. 

With headquarters in Lake St. Louis, Missouri, we operate in 31 states and the District of Columbia and maintain call centers and offices across the United States. MTM’s diverse client base includes healthcare and transit contracts with state and county governments, departments for aging, public transit agencies, community groups, and Managed Care Organizations.

• Service Area: 31 states and the District of Columbia
• Medicaid members;
• in need of a ride to their health care provider for a covered Medicaid service if they have no other way to get there.
• Applicants must call their MTM office to schedule transportation a few business days before their appointment (3 in Mississippi, 5 in Nevada,…), unless their trip is urgent.
• 1 Specific details available for each state.
• Our Locations – MTM Inc
• Non-Emergency Medical Transportation | MTM, Inc

Disabled American Veterans (DAV) – Veteran Transportation Program

DAV ( Disabled American Veterans ) is a leading nonprofit that provides a lifetime of support for veterans of all generations and their families. Annually, they provide over 700,000 free rides to veterans 

seeking transportation to their scheduled VA medical appointments nationwide. In Wisconsin DAV gives more than 40,000 free rides to veterans each year.

• Service Area: nationwide (so far encountered in Maine, Wisconsin)
• Transportation Services Provided: getting to and from scheduled VA medical appointments (usually, best to check for each state)
• Other conditions might apply, so please check with the DAV organization in your state.
• Applicants should check with the DAV organization in their state for specific details.
• 1 Applicants should check the website of the DAV organization in their state for further details. (eg. Wisconsin , Maine ).
• Our Mission – DAV Department of Wisconsin
• DAV (Disabled American Veterans) – LinkedIn

AmeriCorps Seniors – Senior Companion Program

AmeriCorps is a federal agency that funds organizations to make positive impact in communities. To support the placement of AmeriCorps members and AmeriCorps Seniors volunteers in communities, we provide more than $800 million in financial and human resources grants every year. 

These grants provide resources and people power in the form of members and volunteers for organizations across the country.

The Senior Companion program focuses on providing assistance and friendship to older adults who have difficulty with daily living tasks, such as shopping or paying bills. Through this program, AmeriCorps Seniors volunteers keep seniors independent longer and provide respite to family caregivers. AmeriCorps Seniors volunteers themselves report better health and longevity having served their community.

• Service Area:  N ationwide
• Transportation Services Provided: any purpose
• Applicants must be adults who have difficulty with daily living tasks, such as shopping or paying bills.
• Examples of Senior Companion Programs:a) befriending older adults and assisting with daily living tasks at a supportive housing program;b) providing supportive services such as transportation to appointments, assistance with grocery shopping, and cooking meals.
• AmeriCorps Seniors Volunteers must be 55 years and older. Volunteers are eligible to receive a stipend for their volunteering if they meet income eligibility requirements.
• The Senior Companion Program provides grants to organizations (national or local nonprofits, schools, government agencies, faith-based or community organizations) with a dual purpose: to engage persons 55 years and older, particularly those with limited incomes, in volunteer service to meet critical community needs; and to provide a high quality experience that will enrich the lives of the volunteers.
• 1 The program is delivered through local organizations, such as national or local nonprofits, schools, government agencies, faith-based or community organizations.
• AmeriCorps Seniors Senior Companion Program | AmeriCorps
• Our frequently asked questions | AmeriCorps

Programs of All-Inclusive Care for the Elderly

A PACE organization is a non-profit private or public entity that is primarily engaged in providing PACE health care services. 

PACE providers receive monthly Medicare and Medicaid capitation payments for each enrollee. Medicare enrollees who are not eligible for Medicaid pay monthly premiums equal to the Medicaid capitation amount, but no deductibles, coinsurance, or any other type of Medicare or Medicaid cost-sharing.

The Program of All-Inclusive Care for the Elderly (PACE) benefits include, but are not limited to, all Medicaid and Medicare covered services, including transportation. PACE also includes all other services determined necessary by the health professionals team to improve and maintain an individual’s health.

PACE programs provide services primarily in an adult day health center and are supplemented by in-home and referral services in accordance with the enrollee’s needs.

• Transportation Services Provided:   
• Be 55 or older
• Live in the service area of a PACE organization
• Need a nursing home-level of care (as certified by your state)
• Be able to live safely in the community with help from PACE
• TO SIGN UP/SCHEDULE FOR RIDES: To find out if you’re eligible and if there’s a PACE program near you, search for PACE plans in your area or
• call your Medicaid office Call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
• 1 What you pay for PACE depends on your financial situation.If you have Medicaid, you won’t pay a monthly premium for the long-term care portion of the PACE benefit.If you don’t qualify for Medicaid but you have Medicare, you’ll be charged these:A monthly premium to cover the long-term care portion of the PACE benefitA premium for Medicare Part D drugsThere’s no deductible or copayment for any drug, service, or care approved by your health care team.If you don’t have Medicare or Medicaid, you can pay for PACE privately.
• Programs of All-Inclusive Care for the Elderly Benefits
• Programs of All-Inclusive Care for the Elderly for States

United Way USA

United Way is engaged in nearly 1,800 communities across more than 40 countries and territories worldwide. As the largest privately-funded nonprofit in the world, we create solutions that build stronger communities. 

We’re improving education, strengthening financial stability and making communities healthier. But we don’t do it alone. Nearly 2.6 million volunteers and 9.6 million donors are engaged with us across the world to advance community-based and community-led solutions.

Launched in 2018, Ride United leverages the strengths of United Ways, the 211 network and partners to address unmet transportation needs for individuals and families across the U.S. In 2020, United Way expanded Ride United to connect clients with food and household good deliveries, in addition to providing essential transportation.

• Transportation Services Provided: Any purpose 
• Clients must be individuals and families in communities across the country with unmet transportation needs.
• Applicants must dial 211 or visit 211.org. Free transportation and food deliveries are not available in every community, but 211 specialists will connect applicants with the best available services to meet your needs.
• 1 Help us get people where they need to go by supporting Ride United. Your generous contribution will provide someone with a free ride to a job interview or chemotherapy appointment, or help deliver groceries from a food bank to someone in need. 
• FAQs | United Way Worldwide

Angel Flight West – Free Medical Transportation

A small child, ravaged by cancer, needs specialized lifesaving treatment at a hospital 300 miles away. A father, separated from his family by a hurricane, wants desperately to be reunited. 

A domestic-violence survivor longs to start a new life in another city, but cannot afford to leave. These are just a few of the people to whom we offer help and hope.

There’s an angel in the cockpit. The ability to travel easily across the country is something that most of us take for granted. But for those whose lives are in turmoil, the financial, physical, and emotional burdens can make ordinary trips extraordinarily difficult. That’s when they turn to Angel Flight West. Our network of 1,400+ volunteer pilots fly their own planes and pay for all costs out of their own pockets, in order to make these critical journeys.

At our headquarters in Santa Monica, California, our ground team manages the complex system of matching pilots with passengers, coordinating the flights, spreading the word among referral agencies, and continually recruiting new volunteers.

What we do is much like running a small airline, further complicated by the extra care and expense of working with passengers who need our help, their families, as well as medical and hospital personnel. The beneficiaries of the flight – the passengers and their families, the healthcare organizations – pay nothing at all, ever.

• Service Area: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming
• Transportation Services Provided: Medical Appointments.
• Request must be verified by a medical provider involved in the passenger’s care (social worker, nurse, doctor, etc.)We will need a medical provider involved in the passenger’s care to fill out brief paperwork that we send directly to him or her.
• Medically stableWe will need to have a physician verify that the passenger is medically stable and able to fly commercially.
• Geographic criteria AFW provides air transportation within the 13 Western states: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. Passengers will be referred to other organisations if the transportation would involve travel outside this service area. Note: We may be able to provide commercial air transportation if the flight originates in our territory but terminates outside of our territory if the destination is the only place a patient can receive potentially life saving treatment.
• Reason for travel AFW primarily provides air transportation for patients travelling to and from scheduled medical treatment. We also arrange “compassion” flights for individuals who need to visit or be a caregiver for a critically ill family member. Additionally, we will arrange flights to relocate victims of domestic violence, to transport children and adults to camps for a variety of special needs (such as burn survivors and families impacted by HIV or AIDS), and to fly support staff and supplies during natural disasters or other crises. “Compassion” requests are accepted on a case-by-case basis.
• Financial or compelling needAFW is a charitable service and Alaska Airlines is a generous donor, providing hundreds of tickets to help patients get to necessary treatment. We recognise that the costs of medical care, lost wages, and providing care can deplete a family’s resources. Passengers do not need to be desperate or destitute to qualify, we simply want to make the best use of our limited resources.
• 2 business days’ advance noticeWe generally require 2 business days’ advance notice to review the paperwork and book a flight. In some cases, we can accommodate shorter term requests.
• Apply Online: Angel Flight West – Request a Flight
• or Please Contact: 888-4-AN-ANGEL (888-426-2643)
• 1 Because of the limited resources of our volunteer pilots, the distance traveled can be no more than 1,000 miles in each direction.
• 2 There is never a charge of any kind for an Angel Flight.
• 3 Your flight will be scheduled to accommodate your medical appointment.
• 4 Your pilot will pick you up at an airport near your home and bring you to your treatment facility.
• 5 Your flight is just for you, and will typically be in a small private plane.
• 6 This means that we can pick you up at an airport near your home, even if you live in a rural area.
• 7 After your appointment, another pilot will pick you up and bring you home.
• 8 You can bring companions to travel with you.
• 9 You can travel with Angel Flight on as many trips as you need.

Miracle Flights – Free Flights

Since 1985, we’ve provided more than 127,000 free flights to those in need of life-changing medical care not available in their local communities.

Almost all Miracle Flights patients suffer from medical conditions treated by only a handful of experts located across the country, which makes medical travel a necessity. While insurance may cover actual treatment, it rarely covers the cost of travel.

As a result, many patients go untreated or misdiagnosed, simply because they can’t get to the medical experts who can effectively treat their condition. That’s where Miracle Flights comes in. We alleviate the financial burden of travel so families can focus on treatment and recovery.

We fly everywhere, every time. Our team provides commercial plane tickets to all U.S.-based medical treatment facilities at no cost to families. Thanks to the generous support of our donors, we’re able to fly patients as many times as needed. We’ve been flying some for more than 18 years.

We fly everyone, of every age. We help treat all diseases for patients of every age. Simply put, we’ll fly anyone with a complex medical need who requires distant medical care. We believe in the healing power of family.

We’ll pay to fly both parents or legal guardians of patients under 18. We’ll pay to fly a caregiver or companion for adult patients.

• Service Area: United States.
• Is the patient medically cleared to safely travel on a commercial plane?
• Do you have a confirmed medical appointment requiring air travel? Your treatment site will need to verify your medical appointment date.
• Is your requested departure date at least 14 days away from today’s date?
• Based on your household size, does your family’s gross income fall at or below our established financial thresholds (must be verifiable using IRS tax documentation)? Our financial thresholds are based on household size and are generally three times the listed annual Federal Poverty Guidelines listed by the U.S. Department of Health and Human Services.
• Application Details: TO SIGN UP/SCHEDULE FOR RIDES: 
• Online Flight Request Application
• or Please Contact: 800-359-1711
• 1 Miracle Flights provides free commercial airline tickets to those in need of life-changing medical care far from home.
• 2 Our programming services are available to children and adults! Miracle Flights will provide free commercial flights for anyone that needs medical care far from home, regardless of their age.
• 3 Miracle Flights will provide up to two round trip flights each month for eligible patients and family members for as long as it takes. Some families have received dozens of flights from us over the course of many years.
• 4 We ask that you submit a new online flight request application for each requested medical travel journey.
• 5 We ask that all flight request applications be submitted at least 14 days before your requested departure date. This allows us optimal time to search and coordinate the most accommodating flight for you at the most economical price for our organization.
• 6 “For a Child Patient – Miracle Flights will provide flights to a qualifying child patient (age 17 and under at the time of medical appointment) and up to two adult parents/legal guardians/family members (up to 3 total passengers). For an Adult Patient – Miracle Flights will provide flights for an adult patient (age 18 and over) and one spouse/caregiver/family member (up to 2 total passengers) if it is medically necessary for the patient to travel with a chaperone.”
• 7 We’ll provide flights to anywhere in the United States, as long as your treatment site verifies your medical appoint date. In cities with multiple airports, we’ll generally provide flights to the airport that is best for you and your family as long as it’s economically feasible for our organization.
• 8 Passengers are responsible for all baggage fees and add-on fees as set forth by the airline they are traveling. Please visit your airline’s website for the latest details and processes.

U.S. Department of Veteran Affairs – Highly Rural Transportation Grants program

VA’s Highly Rural Transportation Grants program provides money for free rides for Vets living in highly rural areas. Thousands of Veterans who live in highly rural and remote areas will now have free 

transportation to their VA medical appointments to receive the health care they need and have earned through service to our country.

The program enables State Veterans Service Agencies and Veteran Service Organizations to use innovative approaches to provide transportation services that help to expand access to VA health care for Veterans.

A highly rural area is a county or counties with a population of less than seven persons per square mile. Twenty-five states have counties that are highly rural. Those states are found in the northern, western and southwestern parts of the United States.

• Transportation Services Provided:  VA Medical Appointments.
• Veterans who live in highly rural and remote areas.
• Please Contact for more information: 1-800-273-8255
• 1 The free transportation is made possible through VA’s Highly Rural Transportation Grants program.

Community Transportation Association of America

The Community Transportation Association of America (CTAA) and its members believe that mobility is a basic human right. From work and education to life-sustaining

health care and human services programs to shopping and visiting with family and friends, mobility directly impacts quality of life. National Volunteer Transportation Center is a program by CTAA who’s purpose is to promote and support the concept and practice of volunteer transportation, which includes volunteer driver programs, shared vehicle utilization, and ride sharing initiatives. The National Volunteer Transportation Center is pleased to present this map that provides a listing of volunteer transportation providers in each state.

• Service Area:  All 50 states ​
• Transportation Services Provided: Each organisation has a different policy.
• Eligibility Criteria: Each organisation has a different policy.
• Each organisation has a different policy. Find your place in the map and contact the organisation to see what kind of application they require.
• Map of Volunteer Driver Programs
• National Aging and Disability Transportation Center

A program of the Federal Transit Administration administered by Easterseals and USAging with guidance from the Administration for Community Living.

The National Aging and Disability Transportation Center (NADTC) can help people with  disabilities and older adults find out about their community’s available transportation services and connect individuals with transportation operators and mobility managers who can assist in finding transportation when they need it.

• Transportation Services Provided: All types.
• Eligibility Criteria: NADTC helps with connecting seniors to organisations. Each organisation has a different policy, however, NADTC will work with you in finding what works for you.
• U.S. Local and State Transit Links

Links to thousands of transit agencies for cities, towns and counties across the United States. Find your route. Some routes are free for the seniors, some have subsidized fares, while other routes are donation based as they may be covered by agencies like the Area Agency on Aging.

Check your route to find out more details. 

• Eligibility Criteria: Almost all routes require you to show some proof, be it a medicaid card, disability proof, prescription form the doctor, or some other requirement. Contact your local route to find out more details. 

ITNAmerica develops community-based transportation solutions designed to address the challenge of senior mobility . ITNAmerica is the only national non-profit senior transportation network. 

ITN affiliates work in 11 communities across 10 states, from Maine to Florida to California. Their model is local, but the network is national, and with reach comes strength. As they aren’t yet everywhere, so to ensure older people in communities across America have access to quality transportation options they’ve developed   Trusted Transportation Partners program . 

• Eligibility Criteria: Contact your local ITN or TTP partner to find out more details. 
• Find your ITN

Volunteer Driver Programs

This map will show the names of programs in your state . Users must contact the specific program to learn the details.

• Eligibility Criteria:  Contact organisation in your area to find out the eligibility criteria. ​​
• Volunteer Transportation Providers in the United States

Local Area Agency on Aging

Area Agencies on Aging (AAAs) have long recognized the myriad challenges older adults face are at the forefront of community efforts to 

expand the transportation options available for older adults and people with disabilities. AAAs develop and manage senior transportation programs; participate in, and often lead, local and regional efforts to coordinate transportation services; and advocate for transportation funding. Find your local Area agency on Aging here . 

• Find your local AAA

Center for Independent Living

Center for Independent Living (CIL) play an important role in advocating for and developing transportation options for seniors and persons with disabilities.

Find your local CIL and see if they offer a free transportation program in your area.

• Find your local CIL

Easterseals

Many Easterseals chapter provide free transportation to seniors as well as the eligible members of the community. 

For example, Easterseals Alabama, through a partnership with The Alabama Department of Transportation, The United Way, and the Department of Human Resources provides rides to and from work for eligible individuals in Tuscaloosa County ADRS. Check your local Easterseals to see if they provide such program. 

• Eligibility Criteria:  Contact your local Easterseals to find out the eligibility criteria. ​​
• Connect Locally

Love in the name of Christ

Love INC (In the Name of Christ) is an organization made up of local church volunteers to help people in need. Volunteers provide communication, companionship, financial counseling, after school 

child care, clothing, food,  transportation and visitation to the home bound. Volunteers offer home services such as house cleaning, snow shoveling, yard work, moving heavy items, appliance repair, general home maintenance, home weatherization, plumbing, carpentry, electrical work and auto repair for the elderly or disabled.

• Eligibility Criteria:  Contact your local Love INC to find out the eligibility criteria. ​​

211 is committed to helping citizens connect with the services they need. Whether by phone or internet, their goal is to present accurate, well-organized and easy-to-find information from the community including state and  local health and human services programs.

Contact your local 211 to find free transportation options in your area. 

• Eligibility Criteria:  Contact your local 211 to find out the eligibility criteria. ​​
• Find a Local 211

Veyo is a proven, end-to-end solution to the logistics challenge of NEMT (non emergency medical transportation).

Veyo is a company that partners with insurance companies and health facilities to provide non-emergency medical transportation that’s covered as an insurance benefit.

• Service Area:Arizona, California, Connecticut, Florida, Michigan, Virginia
• Transportation Services Provided: non-emergency medical transportation
• have an insurance (Medicaid and Medicare);
• be beneficiaries who need to get to and from medical services, but have no means of transportation.
• Applicants must ask their insurance company if Veyo is one of their transportation benefits – if yes, they’ll help them schedule rides.
• Seniors and caregivers can’t sign up for the service or arrange rides – only a health organization partner can arrange rides.
• 1Best for: Seniors who need transportation to medical appointments and those who need a special vehicle to accommodate a wheelchair or stretcher.Price: Free, if their insurance company offers Veyo as a transportation benefit. Because we contract with health plans, our transportation costs are covered by insurance or Medicaid/Medicare Advantage benefits. There is no cost to the passenger to use Veyo® services.
• Frequently Asked Questions – Veyo

Free Transportation for Seniors in Maryland

Free Transportation for Seniors in Tennessee

Free Transportation for Seniors in Illinois

Free Transportation for Senior Citizens (2022): Complete Guide to US Programs

Free Transportation for Seniors in Washington

Free Transportation for Seniors in California

About The Author

1 thought on “Free Transportation for Senior Citizens (2023): Complete Guide to US Programs”

I am looking for free senior/disabled transportation in the south Jersey area. We have Atlantic county van but their hours of transport are extremely limited in time of transport during the day. I am hoping you can help me find the transport services for seniors and disabled I am 70 and have medical problems and need your help with this Thank you Maureen Patrice Went-Sceurman 609 385-5129

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Best Senior Travel Deals

The best senior travel deals and discounts include free vacations for senior citizens and discounts on off-season travel, senior friendly tours, last minute travel, AARP travel, ocean and river cruise lines, airlines, train travel, National and State parks, Disney World, volunteer trips and many more.

These deals are available to those who take advantage of the senior age requirements of many companies who offer them. 

There are numerous age-related discounts available for seniors.

How to Find the Best Senior Travel Deals

• Check with the hotels, resorts or other accommodations for their off-season rates which can be a substantial savings.
• Contact the owner of a Airbnb or Vrbo accommodation directly and ask for the best available rate or ask if they would except an offer for a lower rental fee. 
• The best time to book a flight is 4 months to 3 weeks before your departure date. Also, you should check different departure days of the week if you can be flexible as a retiree. Most airline companies have discounted senior fares.
• Always check for senior citizen discounts or AARP discounts (if you are a member) with cruises, train travel, airlines, bus travel, hotels and motels, restaurants, parks and campgrounds. 

Win A Vacation Sweepstakes Our Newly Discovered FREE Vacations for Seniors Here is the Current Deal/Giveaway We Found Check Back Often To See The Latest!

We search  "high & low" for deals and giveaways for seniors. This one is a very attractive offer from Travel + Leisure.

Come back often to see the latest deals, contests or sweepstakes and "Who Knows" , it maybe you who wins!

Here is the latest we found; a Sweepstakes from Travel + Leisure .

Win a Luxury Danube River Cruise!

• 7-night "Romantic Danube" river cruise on award-winning luxury cruise line, AmaWaterways
• Spacious riverview accommodations for two guests
• All onboard dining in a variety of venues
• Select fine beverages with meals and "sip & sail" hour
• A variety of immersive guided excursions in every destination and more!

Hurry! .... the Offer Expires on June 2, 2024!

Enter The Danube River Cruise Sweepstakes .

Off Season Travel Deals

Off season travel discounts are among the best senior discounts.

Taking advantage of your time flexibility can give older travelers great savings on rental accommodations.

Many tourist locations have off-season rates. You will have a better chance of avoiding the crowds of the main season and often get better service at hotels and restaurants.

Your trip will include a less crowded visit to a beach, a museum, a golf course and basically your entire itinerary.

If you visit Costa Rica, you will benefit from low season rates during May or November. We found that the sunny skies will be complemented by 10% to 40% lower rates.

Here is an example of a beautiful sunny 82° day on North Beach in Ogunquit, Maine in September. When the "Summer Crowds" have gone!

Visit Ogunquit, Maine for Seniors here .

Group and club travel.

Another alternative for some of the best senior discount is to take advantage of the group rates available to members of travel groups for seniors   and travel clubs for seniors . 

Solo travelers, traveling in a group receive socialization as well as discounts. Group travel hosts have senior vacation packages and vacations for seniors on a budget.

The groups can be free but the clubs charge a small fee for membership. 

Receiving the club's discounts can more than make up for the cost of membership.

Home and Abroad Tours

Many companies offer Tours customized for seniors.

Since these companies can generally get the best flight deals as well as a number of other discounts, these tours can be a bargain. There is a huge variety of senior tours.

Walking International Adventures has walking tours suitable for seniors.

Adventures Abroad even has custom a custom walking tour for grandparents and grandchildren.

Last-minute Travel Deals

Some of the best senior travel deals can be obtained by traveling last minute.

Check Expedia, Travelocity, Priceline and Hotwire for super discounted last minute deals.

The best way to find a deeply discounted rate on major cruise lines is to book last minute unsold cabins.

Note that you will usually need to travel within 2 weeks. As seniors with flexibility for scheduling, this can really save us some money.

Airline Discounts

Many airlines offer discounts to seniors on some select flights. 

Delta Airlines

American Airlines

Southwest Airlines

United Airlines

US Air  

British Airways doesn't offer a direct senior citizen discount but AARP members can save when booking through AARP.

Low cost airlines such as JetBlue, Spirit, Frontier and Virgin airlines do not age related discounts but offer various discounted specials on their websites.

It is worth checking airlines around the world for senior discounts if your travel includes those destinations.

Please understand that these airline deals are not always available on-line. They do not always apply to every flight destination. Always call the airline directly if interested in receiving this type of discount.

Booking flights on Monday through Wednesday will save on airfare.

6 Airline Travel Tips to Save Money

• Book Winter flights in the Summer. (Just as Winter coats go on sale in the Summer, so do Airline flights.
• Book One-way flights rather than Roud-trip flights. (You can save $100 - $200)
• Use your Points or Miles. (Make sure you're getting the best; you should get at least 2 cents per point)
• Check fares for nearby airports from your destination.
• Travel on the actual holiday themselves (Could be 30% - 40$ cheaper)
• Travel Internationally on Thanksgiving (It's  the best week of the year for overseas travel; everyone usually travels locally for the holiday)

Cruise Line Discounts for Seniors

Celebrity Cruise Line -over age 55 on select itineraries

Carnival Cruises  - over age 55 on select itineraries

AARP on select cruises-members over 50 years of age 

Cruise Direct is an online search engine for cruises that allows customers to compare prices and see the trip options.

Disney Cruises has special offers on specific sailings listed on their website.

Please note that some cruise lines offer a free upgrade on select cruises for senior travelers.

Holland America does not offer senior discounts but it is worth checking the website for special deals

River Cruise Promotions

Many have special promotions on their websites but do not have specific discounts for senior citizens.

American Cruise Lines has special promotions listed on their website.

Viking River Cruises has special promotions on their website 

Train Travel Discounts

Amtrak offers a 10% discount on rail fares to travelers over age 65 in the United States.

For those traveling across the border to or from Canada, Amtrak offers a 10% discount to those over age 60.

Using rail travel to get to your destination of choice is a relaxing way to travel and something to consider are Amtrak's vacation packages including weekend trips.

Bus Travel Discounts

Trailways   offers a 10% discount to seniors age 65 and over. There is also a half-fare promotion on select routes for seniors and those with a disabilities. 

House exchanges

Why not list your house with a house exchange?

A house or home exchange is a mutual exchange of homes for a set period of time between two home owners.

Both parties can enjoy totally free vacation accommodations rather than staying in expensive hotels.

Choose a reputable company for the safety of your property. You shouldn’t have any problems because they have regulations. The benefit of free rent is huge.

Home Base Holidays

Home Exchange 50 Plus

Home Exchange

Stay at a Hostel

You can save a lot of money by staying at a Hostel.

An older friend recently returned from Italy. She stayed at a Hostel located in a beautiful location and it was quiet in regard to the guests.

However, young people who enjoy a party often frequent Hostels. So, if you like quiet, be aware when inquiring about a Hostel.

Website: https://www.kayak.com/hostels

National Parks and Campgrounds

One of the best deals is the Lifetime Senior Pass for United States citizens.

It will provide you with free entry into all National Parks in North America for the rest of your life.

If you are on a fixed budget you can obtain a Yearly Senior Pass for entry into all of the National Parks for $20 for one year.

Besides giving entrance to the National Parks, your camping fee is reduced by 50%.

AARP members receive a 10% discount at some campgrounds.

Disneyland & Disney World

Disneyland and Disney World do not have discount tickets for seniors. However, you can buy them from a ticket broker because these brokers often have the lowest prices on legitimate Disneyland & Disney World tickets.

Some senior citizen organizations can occasionally offer special discounts.

AARP Discounts

The AARP membership gives a variety of discounts on just about everything travel related.  Membership provides savings on rentals, air fair, cruises, tours, and vacation packages You need to join for an annual membership.

For convenience, AARP provides senior members with an AARP card to present to hotels, airlines, cruises, car rentals, bus lines, campgrounds and many more to receive discounts.

Volunteer Trips

Many older adults have time on our hands and wish to put those hands to good use. If so, think about a volunteer trip that might offer free housing and food in exchange for your help.

Volunteer opportunities make for some of the best senior travel deals. They may take you to far away locations. You might put the skills of your lifetime to use by tutoring, working on computers, environmental work and much more.

You can find volunteer opportunities that involve travel with a Volunteer Opportunity Service.

Global Vision International has volunteer opportunities for seniors over 50. This is an Award Winning Company that focuses on conservation and community development programs.

Working Vacations

Jobs abound for older adults in just about every state and country.

There are plenty of positions on cruise ships for older adults to work part-time and enjoy the cruise on their spare time.

If you are no longer bound by a career, family or other responsibilities, you can work in the chosen location for your travels.

This is a chance to use the skills and knowledge you have already achieved or explore new jobs to expand your knowledge and skills.

Often, this lets you work near other seniors or people of a variety of ages. 

Hotel Deals/Discounts

Large chain hotels give a range of 10% to 15% price reduction at select dates for seniors. The age requirement ranges from 50 to 65.

Hotel Rewards Programs

A great way to save on hotels, motels and suites is to join the Choice Privileges Reward Program .

We joined a few years ago and have saved quite a bit on our many stays.

The Choice Hotels chain has various well-known brands to choose from when booking a stay. Their hotels vary from economy grade to luxury. They are found in thousands of locations throughout the world.

So you won’t be hard pressed to find one no matter where you’re headed on your next venture!

The program awards you points for each Choice hotel or suite booked.

After you’ve earned enough points, they can be redeemed when booking a hotel or suite as a discount on the cost.

Sign-up here .

Choice Hotels Brands

Upscale 

Extended Stay

Restaurants

Large chain restaurants offer a variety of discounts ranging from 5% to 25%.

Again the age requirement varies. Sometimes they give a drink or a coffee. 

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But somewhere along the way, the quality of the experience replaces the quantity.

One-way Streets and the Autobahn

Years ago, my husband and I traveled by car through Europe with good friends. The men took turns driving. The only true mishaps were driving the wrong way down a one-way street in Florence (the polizia were all too happy to turn us around) and stalling our tiny Alfa Romeo in the roundabout on the Via Veneto in Rome. Good times, for sure!

Traveling by car in Europe gives you maximum freedom. And you haven’t lived ’til you’ve driven on the autobahn in Germany. Those flashing lights behind you mean “Get out of the way!” in any language.

Wake View May Be the Best View

As fun and exciting as pinching grapes from roadside vineyards and unplanned stops at castles can be, my husband and I now enjoy a more relaxed form of traveling. We recently went on a Greek cruise with another couple. Late September/early October was the perfect time to visit some of the oldest sites on earth.

With stops in Messina, Mikanos, Delos, Santorini, Rhodes, Athens and Naples, it was a perfect way to see the southern Mediterranean. We ate in several wonderful Greek restaurants. Who knew there were so many versions of calamari? The standout was Da Costa perched on the cliff in Fira, Santorini, with sensational views of a nearby caldera.

Cruising may not be for everyone, but nothing beats going to bed in one port and waking up the next morning to an entirely different view. Another bonus is you get to try the local food at each stop, with lunch prices generally lower than dinner prices. And at the end of a long day of exploring, it’s nice to return to the ship where your biggest decision is what to order for dinner. 

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Lifestyle for Older Adults

Safe travel tips for older adults.

Dec 12, 2022

Print this page

Donya Currie

Senior Editor at NCOA

Key Takeaways

Traveling is vital for our mental health.

Whether you’re traveling thousands of miles a year, or taking the occasional short trip, you can avoid extra risks by following these tips.

Planning ahead and having a back-up plan can help you dodge common travel hazards and pitfalls.

Many of us put our travel plans on hold at the beginning of the coronavirus pandemic. And the thought of travel can still cause worry, whether that's related to the fear of catching COVID-19 or the unease stemming from a lack of practice. But being prepared and taking precautions can help ensure you enjoy a much-needed trip.

In general, traveling, going to new places and meeting up with family and old and new friends is really vital for our mental health,” said Kathleen Cameron, senior director of NCOA's Center for Healthy Aging.

When planning a trip, and while you're on the road to adventure, follow these tips to help everything go as smoothly as possible.

1. Follow public health guidance

On a recent business trip to Austin, Texas, Cameron noticed only about 10% of people were wearing face masks in the airport and on the plane. The Centers for Disease Control and Prevention recommends everyone wear face coverings on public transportation to protect themselves and others from COVID-19. Following that advice is particularly important for older adults, Cameron said.

“Anyone over the age of 50 should wear masks, while in the airport, at their gat,e and on the plane their entire trip.”

CDC has a wealth of travel guidance, including frequently asked questions and tools for gauging COVID-19 risk by desination, at  cdc.gov/travel .

2. Choose a hotel that meets your needs

While most hotels can accommodate a guest’s mobility, some places that are off the beaten path or historical haven’t been updated. This can mean falls hazards on stairs or uneven floors, or accessibility issues at the entrance to the hotel and to the rooms.

Before booking a hotel, call ahead to make sure the hotel has elevators, and ask if the elevator is wheelchair accessible if you need it. If not, ask if they can accommodate a first-floor request.

Even if you’re traveling with a tour company, don’t hesitate to call a hotel directly if you have concerns about accessibility.

3. Don’t publicize your trip on social media

It’s natural to want to share your excitement about an upcoming trip, but think twice before posting it on social media. There are many reported cases of thieves using social media to target homes when the owner announces they’re going on a long trip.

Facebook’s default privacy setting isn’t particularly private. You may think only your closest friends can see your post, but unless you have strict privacy settings enabled, anyone who is friends with your friends, and even some people who aren’t acquainted with you at all, can see your post.

You also might want to consider asking a trusted friend or family member to house sit while you’re away.

4. Know the TSA rules

While you’re trying to figure out where to pack your sunhat and flip flops, don’t forget about your prescriptions. If you are one of the nearly 9 in 10 older adults who takes at least one medication, 1 always pack it in your carry-on where you can access it easily, and it can’t be lost by an airline.

“Carry your medications with you on your person and not in your luggage,” Cameron advises.

If your medication is a liquid and requires that you also have syringes, pumps, freezer packs, or IV bags, the TSA will allow you to carry it all on the plane. Before you pack, check the TSA’s rules, so you know how to pack them.

It’s also a good idea to have a backup plan in case something goes wrong.

Make sure to take a list of your medications , doctors, and the location of a pharmacy covered by your insurance (or Medicare) at your destination.

Bonus: If you’re 75 or older, TSA usually allows you to go through the security pre-check line, which means you don’t have to remove your shoes or separate laptops or liquids from your carry-on. For those younger than 75 who can’t—or don’t want to—stand in long security lines, the TSA Precheck or Global Entry program are options. TSA Precheck is for flights between U.S. airports, and Global Entry is for international flights. Each program has a non-refundable application fee, and you have to apply for the program well in advance of your travel. But if approved, your status lasts for five years.

5. Stay healthy on route to, and on, the plane

Busy airports and tight spaces while getting on an airplane can be a fall risk. The airline will help if you call ahead and ask about priority boarding.

You’ll also want to talk with the airline if you have a chronic condition that has dietary restrictions, such as diabetes, high cholesterol, or hypertension, and you’re taking a long flight that overlaps when you know you should eat. A representative can tell you if they can accommodate your dietary needs. If they can’t, pack food for yourself.

Airplane air can pose challenges. A plane cabin at high altitudes typically has much less humidity than a normal environment, 2 which can put you at higher risk of dehydration and respiratory diseases. Be sure to drink lots of water on the plane.

"On really long airplane trips, be sure you walk in the aisle to prevent blood clots, particularly for those at high risk," Cameron said. That includes people who've had surgeries or recent hospitalizations, cancer, or have a family history of blood clots.

It’s also good to take steps to protect your immune system, which naturally weakens with age. Pack anti-bacterial wipes in your carry-on so you can disinfect your seat, seatbelt, tray, and armrest. Before your trip, talk to your doctor to make sure you’re up-to-date on all of your immunizations , including the flu shot and COVID-19 boosters.

"Many older adults, they’re still unaware of the booster or, frankly, its importance—that it’s an extra layer of protection different than those initial dosages," said NCOA President and CEO Ramsey Alwin .

6. Don’t be a target for theft

Older adults are targets for theft and fraud. Whether you’re traveling alone or with a group, take precautions to protect yourself both inside and outside of your hotel room.

Check with your hotel to see if it has a safe in your room for your passport, jewelry, or excess cash. And always double-check to make sure the code works before placing your belongings inside. Keep anything you consider valuable inside the safe.

Consider also investing in pick-pocket proof travel clothes. Many companies design fashionable pants and jackets that come with deep inside zipper and magnetically sealed pockets that help keep your valuables safe from pick pocketers.

If you’re traveling internationally, consider using cash for most purchases.

Credit card fraud is prevalent in tourist destinations. Unless you plan to monitor your transaction history via a mobile app, cash will reduce your risk.

Getting foreign currency is easier than ever. Check with your home bank to see if you can use your debit card to withdraw cash from ATMs at your destination. Some banks will even let you withdraw without additional fees. Plus, you may get a better conversion rate doing it this way.

If you opt for the credit card route, call the credit card issuer before your trip to let them know where and when you’re traveling. They can tell you if there is a foreign transaction fee for using your card abroad and how the conversion rate is applied to charges. Alerting the company allows it to more easily track potential fraudulent activity and issue a refund quickly if you get hit. However, most credit card companies will deactivate your card in the case of fraud and will only mail a replacement to your account address. So take a back-up card just in case.

7. Keep important documents on hand

Before leaving home, make copies of your important documents, like your passport, driver’s license, Medicare card, and itinerary. Pack an extra set with you, and make sure to leave copies with people you trust at home (or have access to scanned versions). If you lose your ID or it’s stolen, this will make it easier to get replacements.

Also, always make sure to carry emergency contact information and identification on you while out and about. If a medical emergency happens, the people providing assistance will need to know your emergency contact and a health care provider at home.

Now that you’re equipped with these smart travel tips, enjoy your trip and make wonderful new memories! Happy travels!

1. Kaiser Family Foundation. Data Note: Prescription Drugs and Older Adults. 2019. Found on the internet at https://www.kff.org/health-reform/issue-brief/data-note-prescription-drugs-and-older-adults/

2. National Research Council U.S. Committee on Air Quality in Passenger Cabins of Commercial Aircraft. The Airliner Cabin and the Health of Passengers and Crew. Environmental Control. 2002. Found on the internet at https://www.ncbi.nlm.nih.gov/books/NBK207472/

Other Contributors

Healthy Aging Team

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9 Best Vacation Destinations for Seniors

Whether you're looking for a relaxing retreat or an active getaway, these resorts offer something for everyone.

After retirement, it's time to treat yourself to a well-deserved vacation. Without time constraints, you can enjoy longer stays or slower travel as you visit multiple regions, a variety of landscapes, or national parks you've been meaning to visit. You might also appreciate the convenience of a destination resort where you can enjoy dining and most activities on site.

There are plenty of resorts designed with mature adults in mind, but if you're planning to meet up with family, choose one with facilities geared toward multigenerational groups. For many retirees, a good vacation provides a balance of outdoor pursuits, health and wellness, and pampering, so we've selected places based on these criteria. Here are nine of the best vacations for seniors in the U.S., whether you prefer a verdant mountain retreat, a nostalgic coastal escape, or a glamorous desert oasis.

Suncadia Resort, Cle Elum, Washington

Suncadia Resort

Nestled among the Cascade Mountains on the edge of Washington's Okanogan-Wenatchee National Forest , this picturesque resort offers tranquil scenery, crisp mountain air, and a variety of outdoor activities. Choose The Lodge for panoramic river and mountain views or The Inn, a plush hotel with golf course views.

At Suncadia Resort , guests can choose from a plethora of activities. Play golf, go for a hike, or try archery or axe throwing. Bikes, canoes, and kayaks are available to rent as well. If you'd prefer something less strenuous, find your inner artist with an acrylic pouring class. Begin the day with guided meditation or a fitness class followed by a spa treatment. Should the grandkids arrive for a visit, there's a pool with two slides to keep them entertained. Even the family dog can tag along to this pet-friendly property.

Big Cedar Lodge, Ridgedale, Missouri

Big Cedar Lodge

This wilderness resort in Missouri's Ozark Mountains is set in 4,600 acres of natural beauty. Big Cedar Lodge consists of three styles of accommodation: rooms within the private log cabins, luxurious cottages, or glamping and cabins at Camp Long Creek.

Five golf courses and practice facilities include 19-hole Payne's Valley, nine-hole Top of the Rock, 13-hole Mountain Top, and two 18-hole courses, Buffalo Ridge and Ozarks National. Go bowling, visit the arcade, or try a high-ropes course at Fun Mountain. Fitness classes, exercise equipment, four pools, and a personal trainer are available. With a lazy river and discovery center on-site, the grandkids will love visiting too.

Lone Mountain Ranch, Big Sky, Montana

Lone Mountain Ranch

Located near Yellowstone National Park and about an hour from Bozeman Yellowstone International Airport, Lone Mountain Ranch is set in the Montana Rockies. Stay in one of 25 historic log cabins, ranging from one to six bedrooms. The named cottages have stunning forest views and are outfitted with wood stoves, rustic furnishings, and full baths.

In true ranch style, there's horseback riding, with backcountry trails and experienced wranglers to ensure a memorable experience for riders of all ages. Hike with naturalist guides, go mountain biking, or enjoy fly fishing, no matter your skill level. Canoes, kayaks, and paddleboards are provided if you want to explore nearby lakes. You can have an experienced guide curate an excursion to Yellowstone National Park or save on admission with a national park pass for seniors . Outdoor yoga, archery, and axe throwing are also options.

Mission Point, Mackinac Island, Michigan

Mission Point

At waterfront Mission Point , guests can stay in the Main Lodge or the Straits Lodge, which has dog-friendly options. Accommodations range from cozy rooms suitable for singles to the 1,500-square-foot Bois Blanc Suite, with ample living space, a full kitchen, and laundry facilities — ideal for longer stays.

A National Historic Landmark, Mackinac Island has a slow pace and an old-fashioned feel, partly thanks to its ban on motor vehicles. The small island can be covered on foot or in an electric wheelchair within a few hours. Relax on the resort's expansive lawn in an Adirondack chair, go on a bike ride, play tennis, or just soak in a hot tub. Guests can also book experiences like craft and culinary workshops or spa treatments at the Lakeside Spa and Salon. When you're ready to explore, stroll downtown to sample the famous local fudge, or book a horse-drawn carriage tour to be transported to another era.

Montage Palmetto Bluff, Bluffton, South Carolina

Montage Palmetto Bluff

Montage Palmetto Bluff is a two-village, 20,000-acre community by the May River that encompasses a marina, a nature preserve, and much more. Accommodation options include rooms, suites, cottages, and residences with views of moss-draped oaks and picturesque marshlands. Some guests might even choose to buy a home here.

Explore the surrounding waterways by kayak or canoe, or take a boat tour and spot dolphins cruising along with you. Visit the 120-acre shooting range for practice both indoors and outdoors. Tennis, bocce, and pickleball courts are open for play, and you can book lessons to improve your skills. Take a leisurely stroll or bike ride along tree-lined paths. Planning a trip with family? There's special programming for young guests with games, crafts, movies, scavenger hunts, and nature walks.

Cavallo Point, Sausalito, California

Cavallo Point

A converted military post, Cavallo Point is across the Golden Gate from San Francisco in Marin County. The resort is set in the Golden Gate National Recreation Area , and offers stunning scenery, world-class dining, and a variety of activities. Guests can choose from rooms and suites in the early-20th-century officers' quarters or contemporary buildings overlooking the former fort — some with breathtaking views of the Golden Gate Bridge. You can even rent an entire historic home with a private glassed-in porch.

During the day, take a guided hike, yoga class, or sunset cruise, and spend the evening around an outdoor fire pit. Splurge on a seaplane or helicopter tour to view the bay and San Francisco skyline from the sky. The resort's Healing Arts Center & Spa provides a variety of wellness treatments, while offerings at the on-site cooking school range from globe-spanning culinary classes to oyster and wine pairings.

Arizona Biltmore, Phoenix, Arizona

Arizona Biltmore, A Waldorf Astoria Resort

If classic luxury is the vacation style you're after, the Arizona Biltmore should be high on your list. Opened in 1929, the 39-acre estate at the base of the Phoenix Mountain Preserve evokes old Hollywood glamour with 705 rooms (including 100 suites, 41 cottages, 56 villas) and Frank Lloyd Wright-influenced design.

The resort features restaurants, a day spa, and seven pools including one with a 65-foot waterslide. Play golf, tennis, or pickleball, or take advantage of concierge arrangements for hot-air balloon rides, stargazing, biking, hiking, and more. At Tierra Luna Spa, select from a range of curated therapies or join a yoga or aqua aerobics class. Be sure to order a Tequila Sunrise at the Wright Bar, where the cocktail was invented.

Bungalows Key Largo, Key Largo, Florida

Bungalows Key Largo

While Florida is one of the best states to retire in , that doesn't mean you can't take a vacation close to home. The Bungalows Key Largo is an all-inclusive, adults-only resort where you can take part in a variety of activities or just relax in a poolside cabana. Stay in a waterfront room or one set among the lush gardens with a soaking tub and outdoor shower. Regardless of which view you choose, enjoy this tropical oasis.

Kayak, paddleboard, and swim in the protected bay, where you might see manatees and dolphins glide by. Don your snorkel gear to float among colorful native fish. Join a beachfront yoga class or work out at the full-service Fitness Tiki Hut. If you simply want to unwind, head to the Zen Garden Spa's steam room, sauna, or outdoor treatment cabana for a soothing massage. For the perfect end to an active or relaxing day, watch the sun go down on a catamaran cruise with a frozen cocktail in hand.

Rancho Bernardo Inn, San Diego, California

Rancho Bernardo Inn

At Rancho Bernardo Inn , guest rooms, suites, and specially designed accessible rooms are set among lush gardens for a secluded feel. Private patios and balconies offer garden, spa, or golf course views. The resort's 265 acres and San Diego's perfect weather provide opportunities for alfresco dining and outdoor activities.

Play golf at the pristine 18-hole course, relax by the pool, or have fun with lawn games like cornhole, croquet, or oversized chess. Tour the Chef's Garden to see the source of the restaurants' fresh ingredients or get some ideas for your home garden. Spend some time at the spa, take a sunset yoga class, or arrange a private session. You can interact with a trained bird of prey with a private falconry encounter. If young ones visit, they'll love the “dive-in movies” at the family pool, the well-equipped game room, and San Diego's nearby attractions.

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Volunteering Opportunities for Older Adults

Use your life experience to take a volunteering vacation and support international communities in need

With Projects Abroad, you can use your skills, knowledge, and life experience to make a real difference in developing countries. Do something different during your next vacation and and seize the opportunity to travel with purpose. 

This is what you can expect from our volunteer abroad opportunities for over 50s: 

• A project that plays to your strengths or lets you do something entirely different from your normal day-to-day
• A way of travel that lets you become part of a community, not just a visitor
• A well-structured, ethical experience , guided by professionals
• 24/7 availability from our trained local staff to support you when you need it
• Work with diverse groups of people from around the world
• A hassle-free travel experience with airport transfers, meals, and accommodation included

You’ll work with us towards long-term, sustainable goals, no matter which project you join. All of our projects are monitored to ensure we’re having the best possible impact on the people we work with. We do this through our management plans and our Global Impact Database . 

By taking part in our volunteer travel opportunities for seniors, you’ll also be able to explore in your free time. Wander local markets, taste the cuisine, or chat with global volunteers at a cafe. You’ll also be fully immersed in the local community, living with a host family or in pre-arranged accommodation. It’s the perfect setting to share your skills and life-experiences. 

"My two weeks volunteering in Nepal with Projects Abroad exposed me to so many experiences that I may never have had, had if I had simply traveled there as a tourist. I returned home with gratitude for the friends that I made and for the good times we shared as a group. My kids are now a little jealous of me!" -  Beth, Childcare & Community in Nepal

Read our popular article featuring our best volunteer abroad programs for older adults and watch the video below to discover the highlights from our trip to Ecuador working in the Galapagos Islands .

What types of volunteering opportunities are available for older adults?

Interested in short-term volunteer work overseas for over 50s with a group? Then our Grown-up Specials  are for you. You’ll work with a group your own age to accomplish a goal in a short period of time, and you’ll arrive and leave at the same time.

If you are seeking a more flexible volunteer vacation for seniors, check out our Flexi-Trips . Here you'll work more independently, but still have the support of our staff. These trips run year-round, and you can join when you want.

Interested in hearing more about the kinds of international volunteering opportunities for older adults? Read our popular article featuring our best volunteer abroad programs for older adults . 

Am I too old to volunteer abroad?

Of course not! Every year, we welcome numerous individuals to volunteer abroad over 50 years old. There's no age or limit to what you can discover, and your contributions and life experience will be greatly appreciated. In many cultures, advice from older individuals is received even greater.

Our volunteer abroad programs for over 50s offers a variety of projects that are a great fit for retirees looking for a new interest , and older professionals interested in a career break. Remember, it's never too late to take a gap year !

We also tailor your project to maximize the impact of your expertise and experience on the ground. Over 50s volunteering overseas can make a huge impact, even on short term volunteer placements .

Our Project Experts are here to help you find a project that matches your skill set or passions. Read more about our approach to professional volunteering abroad .

How can I make a difference on a volunteer opportunity abroad for seniors?

As an older volunteer abroad, your skills and professional experience will be invaluable to the communities we serve. All of our projects are tailored to your personal interests and capabilities. Some of the activities you can do on a project with us include:

• Work with children and help them learn critical early childhood development skills on a  Childcare Project .
• Help build schools, toilets, or playgrounds on a  Building Project . This is a great way to get your hands dirty and see tangible results in a short time.
• Help with conservation efforts at a  Conservation Project , like animal rehabilitation in the Amazon Rainforest or reforestation in the Galapagos Islands. 

If you’re a qualified volunteer interested in using your skills and qualifications to help, we have opportunities available for:

• Physical Therapists
• Lawyers, attorneys, advocates, and human rights professionals
• Business professionals and consultants

What's included in my project?

We can take care of planning the details before and during your trip thanks to our hassle-free approach. All you need to do is focus on what’s important: using your time, energy, and skills to actively make a difference.

On our over 50 volunteer travel placements, you don’t need to worry about:

• Arranging meals and accommodation
• Organizing your placement
• Getting picked up and dropped off at the airport in-country
• The cost of traveling to your placement in-country

We also provide visa advice and we can take all the stress out of booking flights. If you book flights through us , we’ll always book changeable tickets to your destination, with the shortest and most convenient layovers. We'll also offset the carbon from your flight by planting mangroves.

What other travel packages do you offer?

If you're seeking an immersive, culturally rich travel experience, without any responsibilities, we've got you covered. Check out our Authentic Adventures abroad which offer you more than just a holiday. Our expert guides will teach you about a country's history, culture and traditions from a local's perspective. We offer Discovery Tours  and Food Tours.

Imagine spending a week of vacation abroad like this:

• Living with a traditional nomad community in Mongolia
• Hiking the majestic mountains of Machu Picchu in Peru

There's no better way to learn a foreign language than our Language Immersion Courses . Study Spanish in Central and South America, or French in Madagascar.

Whatever adventure you choose, there's no better way to travel than our volunteer vacations for seniors.

Choose a Volunteer Program

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Giant Tortoise & Sea Lion Conservation in the Galapagos Islands

• Price: $3,000 USD for 1 week
• Extra Weeks: $500 USD
• Start Date: Anytime
• Minimum Duration: 1 week
• Ages: 16 or over

Medical Internships in Ghana

• Price: $2,500 USD for 1 week
• Extra Weeks: $400 USD

Animal Rehab in the Amazon Rainforest – Peru

• Price: $2,550 USD for 1 week
• Extra Weeks: $450 USD

Can't find what you're looking for?

We’d be happy to talk about creating a custom project for you. Most of our staff have been volunteers themselves, so they’re ready to answer your questions, big or small.

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10 Immersive Virtual Reality Experiences for Seniors

Virtual Reality for Seniors offers immersive simulated travel experiences, allowing seniors to explore new destinations and enhance cognitive abilities from the comfort of home.

Virtual Reality Travel for Seniors

In recent years, virtual reality (VR) has emerged as a powerful tool, transforming various industries and offering new experiences. One such area that has been revolutionized by VR technology is senior travel. By harnessing the power of virtual reality, seniors can embark on virtual journeys to destinations around the world without leaving the comfort of their homes.

The Power of Virtual Reality

Virtual reality technology immerses users in a simulated environment, stimulating their senses and creating realistic experiences. By wearing a VR headset, seniors can be transported to breathtaking destinations, historical landmarks, and cultural sites with stunning visual and audio effects. The sense of presence and immersion in these virtual worlds can be incredibly engaging and captivating.

The power of virtual reality lies in its ability to transport seniors to destinations they may have always dreamed of visiting but may not have had the opportunity to do so. Whether it's exploring the ancient ruins of Machu Picchu, strolling through the streets of Paris, or diving into the vibrant coral reefs of the Great Barrier Reef, virtual reality can bring these experiences to life.

Revolutionizing Senior Travel

Virtual reality has revolutionized senior travel by addressing many of the challenges and limitations that seniors may face when it comes to physical travel. It provides an accessible and inclusive way for seniors to explore new destinations, engage in cultural experiences, and create lasting memories.

For seniors with mobility issues or health concerns, virtual reality travel eliminates the physical barriers that may prevent them from visiting certain locations. It allows them to explore destinations that may have been out of reach due to physical limitations. Additionally, virtual reality experiences can be tailored to accommodate different comfort levels and preferences, ensuring a positive and enjoyable travel experience for seniors.

Virtual reality travel also offers cognitive benefits for seniors. Engaging with virtual environments can enhance cognitive abilities, including memory, attention, and problem-solving skills. It provides mental stimulation and can help seniors maintain cognitive function as they age.

By embracing virtual reality travel, seniors have the opportunity to embark on exciting adventures, learn about different cultures, and expand their horizons from the comfort of their own homes. Virtual reality can truly transform senior travel, providing a gateway to new experiences and a sense of exploration.

Discover the world through virtual reality and embark on virtual vacations that will leave you amazed and inspired.

Benefits of Virtual Reality Travel for Seniors

Virtual reality (VR) travel opens up a world of possibilities for seniors, offering unique benefits that enhance their overall well-being. Let's explore some of the key advantages of virtual reality travel for seniors, including access to new destinations, enhancing cognitive abilities, and overcoming physical limitations.

Access to New Destinations

One of the most exciting aspects of virtual reality travel for seniors is the ability to explore new destinations without leaving the comfort of their homes. Through immersive VR experiences, seniors can virtually visit iconic landmarks, famous cities, and breathtaking natural wonders. This access to new destinations provides an opportunity for seniors to satisfy their wanderlust and fulfill their travel dreams.

With virtual reality, seniors can "visit" destinations they may not have been able to physically travel to due to various constraints. Whether it's walking through the streets of Paris, strolling along the Great Wall of China, or admiring the beauty of the Grand Canyon, VR travel offers a sense of adventure and discovery.

Enhancing Cognitive Abilities

Engaging in virtual reality travel can have a positive impact on cognitive abilities for seniors. The immersive nature of VR experiences stimulates the brain, promoting mental engagement and cognitive function. Through interactive virtual tours and cultural experiences, seniors can exercise their memory, attention, and problem-solving skills.

Research has shown that virtual reality can enhance cognitive abilities, such as memory recall and spatial awareness. These benefits can be particularly valuable for seniors looking to maintain mental sharpness and cognitive well-being. By consistently experiencing new environments and engaging in challenging virtual activities, seniors can keep their minds active and engaged.

Overcoming Physical Limitations

Physical limitations can often hinder seniors from embarking on traditional travel adventures. However, virtual reality travel offers a solution by removing the physical barriers and allowing seniors to explore the world from the comfort of their homes or senior living communities.

Seniors with mobility issues or health concerns can still experience the joy of travel through virtual reality. VR travel enables them to "visit" destinations that may be difficult to access physically. By virtually exploring new places, seniors can satisfy their desire for travel, experience different cultures, and create meaningful memories.

Moreover, virtual reality travel can provide a sense of independence and freedom for seniors who may have limited mobility. It offers an opportunity to engage in new experiences and break away from the routine, promoting a sense of adventure and exploration.

Virtual reality travel for seniors offers a multitude of benefits, including access to new destinations, cognitive enhancement, and the ability to overcome physical limitations. By embracing this innovative technology, seniors can embark on virtual journeys that expand their horizons, stimulate their minds, and bring the world to their doorstep.

Exploring Virtual Reality Travel Experiences

Virtual reality travel opens up a whole new world of possibilities for seniors, allowing them to explore destinations they may have never thought possible. Through immersive virtual reality experiences, seniors can embark on virtual tours of famous landmarks, indulge in immersive cultural experiences, and find relaxation and meditation in virtual environments.

Virtual Tours of Famous Landmarks

With virtual reality technology, seniors can now visit iconic landmarks from the comfort of their own homes. Virtual tours provide a realistic and immersive experience, allowing seniors to feel as if they are physically present at these famous sites. Whether it's exploring the Great Wall of China, walking through the Louvre in Paris, or marveling at the ancient wonders of Machu Picchu, virtual tours provide an opportunity to experience these destinations without the physical limitations or travel constraints. Check out their article on senior-friendly virtual reality travel for more information.

Immersive Cultural Experiences

Virtual reality also offers seniors the chance to immerse themselves in different cultures and traditions. Through virtual reality experiences, seniors can participate in virtual cultural festivals, witness traditional ceremonies, and learn about diverse customs and practices. These immersive experiences provide a deeper understanding and appreciation of different cultures, fostering a sense of connection and global awareness. Exploring virtual reality destinations for seniors is an excellent way to expand horizons and embrace new experiences. 

Relaxation and Meditation

Virtual reality travel is not limited to exploration and adventure; it also offers seniors the opportunity to find relaxation and inner peace. Virtual reality meditation experiences provide a serene and calming environment, allowing seniors to escape the stresses of daily life and find solace in tranquil virtual settings. These experiences can help reduce anxiety, improve mental well-being, and promote mindfulness. By creating a comfortable environment and utilizing virtual reality relaxation programs, seniors can enjoy moments of serenity and rejuvenation. Learn more about virtual reality vacations for seniors in their article on virtual reality vacations for seniors .

Virtual reality travel experiences cater to the diverse interests and preferences of seniors, offering a wide range of options to suit individual needs. Whether it's exploring famous landmarks, immersing in cultural experiences, or finding relaxation and meditation, virtual reality provides an exciting and accessible avenue for seniors to escape the ordinary and embark on extraordinary virtual journeys.

Considerations for Senior VR Travel

When it comes to virtual reality (VR) travel for seniors, there are several important considerations to ensure a comfortable and enjoyable experience. From comfort and safety to user-friendly interfaces and choosing the right VR equipment, addressing these factors can enhance the overall VR travel experience for seniors.

Comfort and Safety

Comfort is paramount when engaging in VR travel, especially for seniors. It's essential to create a comfortable environment by selecting a quiet and well-lit space. This helps minimize distractions and ensures a more immersive experience. Additionally, using a comfortable and properly fitting VR headset is crucial to prevent discomfort or strain during extended use.

Safety is equally important, and seniors should be cautious while engaging in VR travel. It's advisable to have a clear and open area to move around, reducing the risk of bumping into objects. Seniors should also be mindful of their physical limitations and avoid any strenuous movements that could cause injury. If necessary, using a chair or other supportive seating can provide stability and prevent falls.

User-Friendly Interfaces

For seniors, user-friendly interfaces are key to making the VR travel experience more accessible and enjoyable. VR applications and platforms that have intuitive navigation systems and easy-to-understand controls are ideal. Clear instructions and prompts should be provided to guide seniors through the virtual environment, ensuring a smooth and frustration-free experience.

Furthermore, seniors may benefit from voice-controlled or gesture-based interfaces that eliminate the need for complex button presses or controller movements. These intuitive interfaces can enhance the accessibility of VR travel for seniors, allowing them to fully immerse themselves in the virtual world without feeling overwhelmed.

Choosing the Right VR Equipment

Selecting the appropriate VR equipment is critical to ensure a seamless VR travel experience for seniors. When choosing a VR headset, factors such as comfort, weight, and adjustability should be considered. Lightweight headsets with adjustable straps and cushioning can provide a comfortable fit that accommodates different head sizes and shapes.

Moreover, seniors should opt for VR equipment with high-resolution displays to ensure sharp and clear visuals. A high field of view (FOV) is also desirable, as it enhances the sense of immersion and realism. Seniors with vision impairments may benefit from VR headsets that allow for customizable settings to optimize visual clarity.

It's important to note that not all VR equipment is created equal, and some may be more suitable for seniors than others. Consulting with VR experts or seeking advice from VR travel enthusiasts can help seniors make informed decisions when selecting the right VR equipment.

By considering comfort and safety, utilizing user-friendly interfaces, and choosing the appropriate VR equipment, seniors can fully embrace the wonders of virtual reality travel. These considerations ensure that the VR experience is enjoyable, accessible, and tailored to the unique needs of seniors, opening up a world of virtual exploration and adventure.

Tips for Enjoying Virtual Reality Travel

Virtual reality travel provides an exciting and immersive experience for seniors, allowing them to explore new destinations and enjoy unique adventures from the comfort of their own homes. To enhance your virtual reality travel experience, consider the following tips:

Creating a Comfortable Environment

To fully immerse yourself in the virtual reality travel experience, it's important to create a comfortable environment. Find a quiet and well-lit space where you can enjoy the virtual reality content without distractions. Ensure that the room is free from obstacles to prevent any accidents while you are immersed in the virtual world.

It's also beneficial to have a comfortable chair or seating arrangement to enhance your overall comfort. Adjust the height and position of your virtual reality headset to ensure that it fits properly and doesn't cause any discomfort during extended use.

Taking Breaks and Avoiding Overexertion

While virtual reality travel can be captivating, it's essential to take regular breaks to avoid overexertion. Extended use of virtual reality headsets can sometimes lead to eye strain or dizziness. To prevent this, follow the recommended guidelines provided by the manufacturer regarding usage time and take breaks every 15 to 30 minutes.

During these breaks, remove the virtual reality headset and focus on real-world surroundings. Engage in light stretching exercises or take a short walk to give your eyes and body a rest. It's important to listen to your body and pace yourself to ensure a pleasant and comfortable virtual reality travel experience.

Sharing Experiences with Loved Ones

Virtual reality travel can be a fantastic opportunity to connect with loved ones and share experiences. Consider inviting family members or friends to join you in your virtual adventures. You can take turns exploring different destinations or engage in multiplayer virtual reality games.

Sharing your virtual reality travel experiences with loved ones not only allows you to bond and create lasting memories but also provides an opportunity to discuss and reminisce about the destinations you virtually visited. It can be a great way to bridge the physical distance and bring everyone closer together through the magic of virtual reality.

By following these tips, you can make the most of your virtual reality travel experience. Remember to create a comfortable environment, take regular breaks, and involve your loved ones in the journey. Virtual reality travel opens up a world of possibilities for seniors, offering a unique way to explore and enjoy new destinations without limitations. 

Do I need to be tech-savvy to use VR travel?

No, not at all! Most VR travel apps and websites are designed to be user-friendly, even for those who aren't tech-savvy. If you need help getting started, ask a friend or family member for assistance.

Can I use VR travel if I wear glasses?

Yes! Many VR headsets are designed to accommodate glasses. Just make sure to adjust the headset properly so that it fits comfortably over your glasses.

Is there a risk of motion sickness with VR travel?

Some people may experience motion sickness or dizziness when using VR headsets. To minimize this risk, take breaks as needed and start with shorter sessions until you feel comfortable.

Can I customize my virtual travel experience?

Yes! Many VR travel apps allow you to customize your experience by choosing different modes of transportation (such as walking or flying), adjusting the time of day or weather conditions, and more.

Are there any limitations to where I can go with VR travel?

While there are many destinations available through VR travel apps and websites, there may be some limitations based on the technology available. However, new destinations are constantly being added, so keep checking back for updates!

Virtual reality travel is a great way for seniors to experience the world from the comfort of their own homes. It's accessible, affordable, safe, and social. So why not give it a try? Put on your VR headset and start exploring the world today!

https://www.sonidaseniorliving.com/virtual-reality-seniors

https://oceanfortech.com/virtual-travel-for-seniors

https://www.graycare.net/post/virtual-reality-travel-for-seniors

https://unlimitedcarecottages.com/virtual-reality-for-seniors

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Wealth of Geeks

24 Smart Travel Tips for Seniors

Posted: February 24, 2024 | Last updated: February 24, 2024

Traveling doesn’t have an age limit, which makes exploring the world just as fantastic and fun for seniors as it is for the younger generations! However, just like most undertakings and adventures, it’s best to be well-prepared with tips and tricks for your next trip (especially if you’re a budget-minded person). 

1. Bring a Book

Technology is everywhere these days, but it can disappear in an instant. Data loss, power outages, and cellular service interruptions still occur in 2024, and the last thing you want is to be stuck without entertainment while you’re on the vacation of a lifetime! The advice here is simple: Bring a book or two to read whenever you can’t be connected to the modern world (or want a well-deserved respite from it all). 

2. Travel in Groups

Everything’s better with friends, and exploring the world is no exception. Countless like-minded travelers of all ages make ideal travel companions, so don’t be shy! Suppose sightseeing is something you’re looking to do. In that case, there is no better way to pass the hours you’ll spend waiting in lines all day than engaging in some good, old-fashioned conversation with friends. 

3. Shop Around

There are always deals to be found in the travel world; you just need to know where to find them! Utilize the internet to your advantage. Scour travel forums, hotel and airline websites, and credit card offers to score the best deals. If you’ve decided where to travel next, shop around and see if you can find better prices. In 2024, finding massive discounts is simple; never settle for paying full price!

4. Utilize Credit Card Rewards

In 2024, there isn’t a better way to parlay everyday spending into a memorable vacation than using credit card rewards. Many high-end offerings from companies like Chase, Capital One, and American Express offer rewards credit cards that reward you for shopping. Every purchase you make earns rewards that can be redeemed for cash, discounts, or free travel perks like amazing deals on everything travel-related! 

5. Familiarize Yourself With Local Customs

As every senior knows, respect is paramount for a civilized society. Before arriving at your destination (whether in the United States or abroad), it’s essential to familiarize yourself with local customs. Get to know the lay of the land ahead of time so you can enjoy your time there without sticking out like a sore thumb or, worse, making the locals angry due to your accidental lack of respect. 

6. Plan Ahead

While a significant aspect of traveling is the excitement that can be found around every corner, planning is essential. Don’t wait until the last minute to secure lodging. Purchase airport transfers before you arrive. You can waste a lot of time wandering aimlessly around a new city, so mitigate that by researching places to go and things to see ahead of time! 

7. Don’t Forget Your Medication

Securing your medication is arguably the most crucial aspect of traveling as a senior. I’ve heard horror stories of people arriving at the destination of their dreams only to get right back on the plane and return home because they forgot vital medication! Remind yourself over and over: Pack your meds. 

8. Give Family Members Pertinent Information

Some tips are as old as time: Let your loved ones know your itinerary and general travel plans! Give your family details about your stay, such as hotel location, flight information, and passport number. You can never be too prepared; your family will appreciate the abundance of information. A little information counts for a lot of peace of mind. 

9. Go Somewhere New

The world is your oyster. Don’t waste your golden years visiting places you’ve already been. Explore the world as intended and treat yourself to some truly once-in-a-lifetime experiences. As we all know, life goes by in the blink of an eye, so capitalize on much-deserved travel time by crossing out as many places from your bucket list as possible. Trust me, you’ll have zero regrets.

10. Skip Hostels

While hostels are among travelers’ most affordable lodging options, seniors should stay far away. Trust me, seniors deserve all the creature comforts in the world, and loud, dirty, and jam-packed hostels will not make their travels comfortable. Countless budget-friendly hotels and Airbnb rentals are available at affordable rates; not every hotel is the Four Seasons! 

11. Walk Everywhere

Public transportation is overrated! Walk everywhere you can. Many men and women confess exploring a new location on foot was immensely satisfying. As long as you take the extra time you’ll need into account, you can appreciate a city differently than taking Uber and public transportation everywhere. In addition, you’ll enjoy the money you save, too! 

12. Take Advantage of Sightseeing

Unless you’re visiting a place you’ve been countless times before, there’s a decent chance the things you see on your next trip will be the first (and last) time you experience them. Always remember to savor each moment and take advantage of all sightseeing opportunities! There’s a lot to see in the world, and you don’t want to visit iconic cities without seeing what makes them so special with your own eyes. 

13. Target Warmer Climates

Nobody likes being cold. Do yourself a favor and target warm-climate locations for your next trip. While the thought of traveling to Alaska or Iceland seems intriguing, you should prioritize your long-term health, and subjecting your body to frigid temperatures is an unwise plan of action. Countless seniors agree that tropical (or temperate) climates are preferred over places where you’ll freeze your butt off.  

14. One Lock Goes a Long Way

Although it sounds trivial, many travelers advise bringing a small padlock (and its associated key) with you on your next journey. Whether securing a day bag or backpack or clamping your luggage down for an overnight hotel stay, bringing a small lock gives much-needed peace of mind. Having items stolen can severely damper a trip, to say the least, so protect yourself from that!

15. Pack Light

The last thing you want is to experience back, shoulder, or neck pain by lugging around heavy backpacks and suitcases while traveling. Overpacking may seem sensible, but your body deserves much better than that! Pack light and don’t overthink it: Traveling later in life should be about enjoying every second of an adventure, and there’s nothing fun about aches and pains. 

16. Embrace the Local Nightlife

Living like a local is one of senior travelers’ most rewarding experiences. Local pubs and restaurants will never let you down in terms of meeting like-minded people. Trust me, you’ve never lived unless you’ve had an in-depth conversation with a stranger for an hour in a language you barely understand! If that’s not what life is all about, then what is? 

17. Keep Cash to a Minimum

Unfortunately, as a senior, you are a prime target for pickpockets and thieves, especially in foreign cities. Don’t worry, though. Keeping the cash you carry to a minimum and using credit cards for most purchases will make you less of a target for these petty thieves. After all, nothing screams, “I’m a tourist!” like pulling out a wad of cash every time you pay for something. 

18. Pause Recurring Subscriptions

If you’re planning to travel for more than a month, take the initiative and pause recurring subscriptions. Streaming platforms, music services, and meal-kit delivery platforms can all be paused relatively quickly. You won’t be around to use these subscriptions, so it makes zero sense why you should pay for them. In most cases, pausing these services is painless and can be accomplished with a few taps on your smartphone. 

19. Rent Out Your Home

There are no rules against making money while you’re on vacation, so why not rent out your home while you’re away? Plenty of options are available, from renting it out on Airbnb to letting friends and family use it (for a nominal price). Trips can be expensive, so you can help combat the overall cost by making a little money on the side. It’s an ingenious idea that makes traveling more affordable for everyone, regardless of age. 

20. Bring Extra Charging Cables

Most people can openly admit they are helplessly addicted to modern technology, and that’s okay! Society has changed dramatically over the last few decades, so being tethered to your smartphone won’t raise any eyebrows in 2024. Bringing spare USB charging cables with you on your next trip is so important. They are effortless to lose, and you don’t have to take time out of your adventure to track down compatible chargers in an unfamiliar location. 

21. Travel in the Off-Season

Savvy travelers know the secret of off-season travel: It’s fantastic. When traveling during off-peak times of the year, you’ll encounter fewer crowds, a more temperate climate, and lower hotel and airline pricing. Trust me, there’s nothing fun about being herded like cattle through major cities in the middle of summer! Traveling during the off-season gives you more flexibility and more opportunity to relax. 

22. Use the Right Credit Card

Sometimes, savvy traveling can be as straightforward as always paying with the correct credit card. Remember, not all credit cards are created equal, and when traveling overseas, always use a card that offers zero foreign transaction fees! Many cards don’t provide this service, resulting in sticker shock when you finally get home and look at the unexpected charges in your bank account. 

23. Bring Heating Pads

Even if you travel in relatively warm climates, countless people advise bringing heating pads. You never know when you’ll need it, and it has many uses. Sure, it can heat your body, but a heating pad offers much-needed muscle relief. So, if you’re a senior who intends to explore an unfamiliar city on foot all day, I think a heating pad is a must-have in your suitcase. 

24. Use Any Discount Available

As any senior knows, the low-key greatest asset you have is your senior citizen’s discount! Don’t hesitate to use it when traveling. You can find discounts nearly anywhere you are; hotels, airlines, restaurants, and excursion companies often offer generous senior citizen discounts that will ease the load on your wallet. Don’t be shy; take advantage of being you!

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Solo Senior Adventures: Tours for Seniors Traveling Alone

Are you a senior looking for exciting travel opportunities? Solo senior travel tours are the perfect solution for those who want to explore the world on their own terms. These tours cater specifically to seniors traveling alone, providing safety, companionship, and tailored experiences that meet the unique needs and interests of older adults.

Whether you prefer guided tours that offer structure and expertise or independent travel that allows for flexibility and freedom, there are options available to suit your preferences. From cultural immersion tours to adventure travel, solo senior vacation opportunities are diverse and cater to a wide range of interests.

In this article, we will explore the benefits of senior travel , the various options for solo senior travel tours , and how to choose the right tour for your needs. We will also provide valuable safety considerations and highlight senior-friendly travel options . So, if you’re a solo senior looking to embark on a new adventure, read on to discover the exciting world of solo senior travel tours !

Key Takeaways:

• Tours for seniors traveling alone provide safety, companionship, and tailored experiences
• Options include guided tours for a structured experience or independent travel for more flexibility
• Senior travel offers numerous benefits for emotional and physical well-being
• Senior-friendly travel options cater specifically to the needs of older adults
• Safety considerations and tips are important for solo senior travelers

The Benefits of Senior Travel

Traveling in retirement offers numerous benefits for seniors. It helps improve emotional and physical health, provides opportunities for self-care and self-reflection, and allows seniors to explore new places and cultures. Studies have shown that traveling can improve sleep, increase energy levels, and promote overall well-being. It also provides opportunities for seniors to create new memories, make new friends, and engage in unique experiences that contribute to personal growth and fulfillment.

When it comes to senior travel, the benefits extend beyond just relaxation and adventure. Here are some reasons why seniors should consider traveling:

• Emotional Health Benefits: Traveling can have a positive impact on mental and emotional well-being. It allows seniors to break away from daily routines, reduce stress levels, and provide a change of scenery that can boost mood and alleviate feelings of loneliness or isolation.
• Physical Health Benefits: Exploring new destinations often involves physical activity, whether it’s walking through historical sites or engaging in outdoor adventures. This physical exercise can improve cardiovascular health, increase mobility, and enhance overall fitness.
• Self-Care and Self-Reflection: Traveling offers an opportunity for seniors to focus on themselves, their desires, and their personal growth. It allows them to engage in activities they love, try new things, and discover hidden passions or interests.
• Cultural Enrichment: Experiencing different cultures and customs can broaden perspectives, enhance empathy, and foster a greater understanding of the world. Seniors can immerse themselves in local traditions, sample diverse cuisines, and appreciate the beauty of cultural diversity.

Senior travel provides an invaluable form of self-care. It allows seniors to prioritize their own well-being, indulge in new experiences, and create lasting memories. Whether it’s exploring iconic landmarks, embarking on a culinary journey, or simply sitting by the beach with a good book, traveling as a senior enables individuals to embrace the joys of life and rediscover their sense of adventure.

“Traveling – it leaves you speechless, then turns you into a storyteller.” – Ibn Battuta

Traveling can be a transformative experience, offering countless benefits for seniors. From improving emotional and physical health to expanding horizons and fostering personal growth, travel is a form of self-care that seniors should embrace. The world is waiting to be explored, and there’s no better time than now for seniors to embark on new adventures and create beautiful memories.

Options for Solo Senior Travel Tours

When it comes to solo senior travel tours , there are plenty of options available to suit every interest and preference. Whether you’re looking for adventure, cultural immersion, or simply exploring popular destinations, senior-friendly travel companies have got you covered. Here are some popular options to consider:

Adventure Travel for Seniors

If you’re an active senior who enjoys thrill and excitement, adventure travel tours are perfect for you. These tours offer a range of thrilling activities like hiking, kayaking, and wildlife safaris. Explore breathtaking landscapes and push your limits with like-minded individuals who share your passion for adventure.

Cultural Immersion Tours for Seniors

For seniors interested in learning about different cultures and traditions, cultural immersion tours provide an enriching experience. Immerse yourself in local customs, visit historical sites, and engage with the local community. These tours allow you to gain a deeper understanding of the destinations you visit and create lasting memories.

Popular Destinations for Senior Travel

Europe, Asia, and Africa are among the top destinations for senior travel. From exploring historical cities in Europe to discovering ancient ruins in Asia, these destinations offer a wealth of cultural and historical experiences. Whether you’re drawn to the vibrant streets of Paris, the majestic temples of Japan, or the vast plains of the Serengeti, there’s a destination that will capture your heart.

Senior-Friendly Travel Companies

There are several travel companies that specialize in providing senior-friendly tours. These companies understand the unique needs of older adults and ensure that their tours are designed with comfort, safety, and accessibility in mind. They offer well-planned itineraries, comfortable accommodations, and knowledgeable guides to make your solo travel experience unforgettable.

Table: Comparison of Options for Solo Senior Travel Tours

Guided Tours for Solo Seniors

Guided tours are an excellent option for solo seniors who value safety, convenience, and the guidance of experienced professionals. These tours provide a structured itinerary, knowledgeable tour guides, and a group of like-minded individuals to travel with.

One of the key benefits of guided tours for seniors is the peace of mind that comes from having all travel arrangements taken care of. From accommodations to transportation, everything is meticulously planned, allowing seniors to relax and enjoy their journey without the stresses of logistics.

Another advantage of guided tours is the opportunity to learn from local experts. Knowledgeable tour guides provide valuable insights into the destinations, sharing fascinating stories and historical facts that bring each location to life. Seniors can deepen their understanding of different cultures, traditions, and landmarks, enhancing their overall travel experience.

Furthermore, guided tours offer the chance to form new friendships with fellow travelers. As seniors explore together and share unforgettable moments, bonds are forged and meaningful connections are made. Traveling in a group creates a sense of camaraderie and companionship, making the journey even more enjoyable.

“The guided tour was an incredible experience. Not only did I feel safe and well taken care of, but I also had the opportunity to learn so much from our knowledgeable guide. Plus, I met wonderful people and made lasting friendships along the way!” – Jane Smith, solo senior traveler

Many travel companies specialize in offering escorted tours that are specifically designed for solo seniors. These companies understand the unique needs and preferences of older adults, ensuring that the tours are age-friendly and cater to a wide range of interests and activity levels.

So whether you’re exploring the historic ruins of Machu Picchu, strolling through the charming streets of Paris, or embarking on an African safari, guided tours offer a safe and enriching travel experience for solo seniors.

Independent Travel for Older Adults

Independent travel is an exciting and liberating option for older adults who desire the freedom to explore the world at their own pace. This type of travel allows seniors to personalize their itineraries, choose accommodations and dining options that suit their preferences, and engage in activities that align with their interests. Solo travel for seniors opens up a world of possibilities for adventure, self-discovery, and personal growth.

Benefits of Independent Travel for Seniors:

• Freedom and Flexibility: Independent travel provides older adults with the freedom to make spontaneous decisions, change plans as desired, and experience destinations in their own unique way.
• Personalized Experiences: Seniors who opt for independent travel can tailor their itineraries to focus on their specific interests, whether it be indulging in local cuisine, exploring historic sites, or immersing themselves in cultural activities.
• Self-Discovery: Traveling alone allows seniors to gain a deeper understanding of themselves, their strengths, and their abilities. It encourages personal growth, boosts self-confidence, and fosters a sense of independence.
• Connections with Locals: Independent travel enables seniors to interact with locals and immerse themselves in the local culture. This can lead to meaningful connections, unique insights, and a more authentic travel experience.

Tips for Independent Travel for Seniors:

• Plan Ahead: Research your destination, create a detailed itinerary, and make necessary reservations in advance to ensure a smooth and hassle-free trip.
• Stay Connected: Maintain regular communication with loved ones by sharing your travel plans, staying in touch through phone calls or video chats, and keeping them updated on your whereabouts.
• Prioritize Safety: Be aware of your surroundings, follow local safety guidelines, and take necessary precautions to protect yourself and your belongings.
• Embrace Technology: Utilize travel apps, navigation tools, and translation apps to enhance your travel experience and stay organized.

Embarking on an independent travel adventure allows older adults to embrace the joys of solo travel while enjoying the freedom to create their own unique experiences. It presents an opportunity for self-discovery, personal growth, and the chance to explore the world on their own terms.

“Traveling alone allows seniors to gain a deeper understanding of themselves, their strengths, and their abilities.”

Vacation Packages for Single Seniors

Vacation packages specifically designed for single seniors offer a fantastic opportunity for solo travelers to embark on memorable adventures, connect with like-minded individuals, and explore new destinations. These packages provide an inclusive and supportive environment for single seniors, ensuring a safe and enjoyable travel experience.

With vacation packages tailored to single seniors, you can join group tours and have the chance to meet new people who share your passion for travel. These tours offer a balanced blend of planned activities and free time, providing the perfect balance between structure and flexibility.

Accommodation, transportation, and activities are included in these specially crafted vacation packages. This means you can relax and focus on enjoying your trip, without the hassle of arranging every detail. Experienced tour guides are also there to offer guidance and assistance along the way, enriching your travel experience with their knowledge and expertise.

Safety is a top priority, with travel companies ensuring that all necessary precautions are taken to provide a secure environment for single seniors. From safe accommodations to reliable transportation, every aspect of the vacation package is designed with your well-being in mind.

“Traveling alone doesn’t mean you have to be alone. Vacation packages for single seniors provide the perfect balance of social interaction and personal freedom, allowing you to explore the world on your own terms while forming meaningful connections with fellow travelers.”

These vacation packages not only offer the opportunity to discover new destinations but also serve as a platform for personal growth and self-discovery. Whether you’re interested in cultural immersion, adventure travel, or simply enjoying leisurely activities, there’s a vacation package that caters to your interests and preferences.

Recommended Vacation Packages for Single Seniors

These recommended vacation packages offer a glimpse into the diverse array of options available for single seniors. Whether you’re seeking a serene natural landscape, a vibrant cultural experience, or an adrenaline-pumping adventure, there’s a package that aligns with your travel aspirations.

Join a Group, Create Lifelong Memories

• Make new friends and form lasting connections with fellow travelers
• Share unique experiences and create memories together
• Feel supported and included in a community of like-minded individuals
• Explore new destinations with the guidance of experienced tour guides
• Enjoy the convenience of pre-planned itineraries and organized activities

Vacation packages for single seniors offer a fantastic opportunity to embark on unforgettable journeys, meet new people, and explore new horizons. Whether you’re dreaming of a luxurious beach retreat, a cultural immersion experience, or an adventurous escapade, there’s a vacation package out there that caters to your desires.

Traveling alone doesn’t mean being alone. With vacation packages for single seniors , you can join group tours, connect with fellow travelers, and have the time of your life while experiencing the world’s wonders.

Solo Senior Vacation Opportunities

Solo senior vacation opportunities offer a world of unique travel experiences for older adults looking to embark on unforgettable adventures. Whether you’re seeking thrilling senior adventure travel options or cultural immersion tours, there are specialized tours designed specifically for solo seniors that cater to a wide range of interests and preferences.

These specialized tours provide the perfect opportunity for seniors to connect with like-minded individuals who share their passion for exploration and discovery. By joining a tour group, solo seniors can form meaningful connections, creating lasting friendships and memories along the way.

Adventure travel options for solo seniors open up a world of possibilities, allowing you to step out of your comfort zone and try new things. From hiking breathtaking trails to experiencing thrilling wildlife encounters, these adventures are tailored to provide both excitement and a sense of accomplishment.

“Traveling solo as a senior has been an incredibly fulfilling experience for me. I’ve had the chance to go on specialized tours that have allowed me to explore unique destinations and immerse myself in different cultures. It’s given me a renewed sense of adventure and the opportunity to make lifelong friends.” – Mary Thompson, Solo Senior Traveler

For those who prefer a more immersive experience, cultural immersion tours offer the chance to delve deep into the traditions, history, and beauty of a destination. These tours provide authentic encounters with local communities and offer a deeper understanding of the places you visit.

From exploring the ancient ruins of Machu Picchu in Peru to venturing into the heart of the African savannah on a safari, solo senior vacation opportunities allow you to create cherished memories and discover new passions. The carefully designed itineraries ensure that every moment is filled with excitement, learning, and adventure.

Benefits of Solo Senior Vacation Opportunities

• Opportunity to connect with like-minded individuals
• Flexible itineraries tailored to your interests
• Safe and secure travel arrangements
• Exposure to new cultures and traditions
• Possibility of making lifelong friends
• Embracing the spirit of adventure

Don’t let the fear of traveling alone hold you back from experiencing the world. Solo senior vacation opportunities offer a chance to embark on unique travel experiences, meet fascinating people, and create memories that will last a lifetime. Whether you choose an adventure-filled trip or a cultural immersion tour, these specialized tours ensure that your senior solo travel experience is unforgettable.

Senior-Friendly Travel Options

Traveling becomes even more enjoyable when it caters to the unique needs and preferences of seniors. That’s why many travel companies specialize in providing senior-friendly travel options , ensuring older adults have comfortable and memorable experiences.

Senior-friendly travel options encompass various aspects, including accommodation, transportation, and itineraries. Travel companies understand the physical limitations that seniors may have and make necessary arrangements to ensure their comfort and convenience throughout the journey.

Comfortable Accommodations

Seniors deserve comfortable accommodations that meet their specific needs. Travel companies prioritize senior-friendly accommodations that offer amenities such as easily accessible rooms, grab bars in bathrooms, and elevators for convenience. These accommodations often prioritize safety measures and provide a peaceful environment for a restful stay.

Accessible Transportation

Getting around during travel should be hassle-free for seniors. Travel companies provide accessible transportation options, such as vehicles equipped with ramps or lifts for wheelchair access. They prioritize convenient transportation methods that minimize physical exertion and ensure that seniors can travel comfortably from one destination to another.

Tailored Itineraries

Travel companies go the extra mile to create tailored itineraries that cater to the interests and preferences of older adults. These itineraries include gentle-paced activities and ample breaks to allow seniors to explore at their own pace. From scenic drives to cultural experiences, travel companies curate experiences that are enjoyable and manageable for seniors.

Senior-friendly travel options are available in various forms, allowing older adults to choose what best suits their travel style:

• Guided Tours: Senior-friendly travel companies offer guided tours that provide structure and support throughout the journey. These tours typically include knowledgeable guides, prearranged accommodations, and transportation, allowing seniors to relax and enjoy the experience without worrying about logistics.
• Independent Travel Packages: For seniors who prefer more flexibility and freedom, independent travel packages provide the option to explore at their own pace. These packages include carefully curated itineraries, accommodation bookings, and assistance with trip planning, ensuring a comfortable and stress-free travel experience.
• Specialized Senior Vacation Programs: Some travel companies specialize in creating vacation programs specifically designed for seniors. These programs offer a range of activities, from leisurely walks in nature to engaging cultural experiences. They often provide opportunities for socialization, allowing seniors to connect with like-minded individuals during their travels.

Senior-Friendly Accommodations Comparison

Senior-friendly travel options allow older adults to embark on their travel adventures with ease and confidence. Travel companies that specialize in providing tailored experiences for seniors ensure that every aspect of the journey is designed to cater to their needs, resulting in comfortable and memorable travel experiences for older adults.

Safety Considerations for Solo Senior Travelers

Safety is paramount for solo senior travelers. Whether you’re embarking on a solo adventure or joining a tour, taking certain precautions can ensure a safe and enjoyable travel experience. Here are some important safety considerations and tips for safe solo travel for seniors :

1. Travel Insurance

It is highly recommended for solo senior travelers to have comprehensive travel insurance that covers medical emergencies, trip cancellations, and lost or stolen belongings. Having travel insurance provides peace of mind and financial protection in case of any unforeseen circumstances.

2. Stay Connected

While traveling alone, it is crucial to stay connected with your loved ones. Keep them informed about your itinerary, including dates, destinations, and accommodations. Regularly check-in with family or friends so that they know you’re safe. In case of emergencies, having someone who knows your whereabouts is essential.

3. Research Destinations

Before traveling to a new destination, it’s important to research the area thoroughly. Familiarize yourself with local customs, laws, and potential safety concerns. Reading travel advisories, reviews, and recommendations can provide valuable insights and help you make informed decisions.

4. Choose Well-Reviewed Accommodations

When selecting accommodations, opt for well-reviewed hotels, resorts, or vacation rentals. Look for places that prioritize safety and have positive feedback from fellow travelers. Check for security features such as well-lit entrances, secure locks, and 24-hour front desk service.

5. Be Aware of Local Customs and Safety Precautions

Respect and adhere to local customs and traditions wherever you travel. By being aware of local norms, you can avoid potentially unsafe situations and show respect to the local culture. Additionally, familiarize yourself with the safety precautions recommended for the destination, such as avoiding certain areas or taking precautions against pickpocketing.

6. Consider Traveling in Groups or Joining Guided Tours

For added safety and peace of mind, consider traveling in groups or joining guided tours specifically designed for seniors. Traveling with a group provides an additional layer of security, companionship, and the expertise of knowledgeable guides. It also offers the opportunity to meet like-minded individuals and share memorable experiences.

7. Remain Vigilant and Trust Your Instincts

While exploring new destinations, always trust your instincts and remain vigilant. Be aware of your surroundings, especially in crowded or unfamiliar areas. If something feels unsafe or uncomfortable, remove yourself from the situation. Your intuition can often guide you towards making the right decisions for your safety.

Remember, solo senior travel can be an incredibly rewarding and empowering experience. By considering these safety tips and taking necessary precautions, you can confidently embark on your solo adventures and create lifelong memories.

Choosing the Right Tour for Solo Seniors

When it comes to selecting a tour for solo seniors, there are several important factors to consider. By taking the time to evaluate your travel preferences and match them with the right tour options, you can ensure a rewarding and enjoyable experience. Here are some tips to help you choose the perfect tour:

• Consider your travel preferences: Think about what type of travel experience you prefer. Do you enjoy a more structured itinerary or do you prefer more flexibility and freedom? Consider if you prefer group activities or if you enjoy time alone to explore at your own pace.
• Assess activity levels: Take into account your physical capabilities and choose a tour that matches your activity level. Some tours may involve extensive walking or hiking, while others may be more relaxed and leisurely.
• Check accommodations: Look into the quality and accessibility of accommodations provided by the tour. Ensure that they meet your comfort and safety needs.
• Evaluate group size: Consider if you prefer a smaller or larger group. Smaller groups can often provide a more intimate and personalized experience, while larger groups may offer more opportunities to connect with a diverse range of individuals.
• Research expert tour guides: Find out about the expertise and knowledge of the tour guides. Experienced guides can enhance your travel experience by providing valuable insights and information about the destinations.
• Read reviews and recommendations: Take the time to read reviews and recommendations from other travelers who have taken the tours you are considering. Their experiences can provide valuable insights into the quality and suitability of the tour.

By considering these factors and doing thorough research, you can select a tour that matches your preferences and ensures a memorable travel experience. Remember, choosing the right tour is essential for enjoying a solo senior adventure that caters to your unique needs and interests.

Solo senior travel tours offer a wide range of options for older adults who want to explore the world on their terms. Whether seniors prefer guided tours or independent travel packages, there are numerous choices available that cater to their unique interests and preferences.

These tours offer more than just the opportunity to see new places. They provide safety, companionship, and the chance to create unforgettable memories. From embarking on adventurous tours to immersing in new cultures or simply enjoying a solo senior vacation, there is a perfect travel experience for every senior.

With proper planning and research, seniors can confidently explore the world, make new connections, and embrace the joys of solo travel. Whether they choose an adventure tour, a cultural immersion experience, or a solo senior vacation, they can be certain that their needs will be met and their desires fulfilled. So, if you’re a senior traveler looking for an unforgettable journey, consider the wide range of senior-friendly travel options available and embark on the adventure of a lifetime!

Are there travel options specifically designed for solo seniors?

Yes, there are travel options specifically designed for solo seniors. These tours provide safety, companionship, and tailored experiences that cater to the unique needs and interests of older adults.

What are the benefits of senior travel?

Senior travel offers numerous benefits, including improved emotional and physical health, opportunities for self-care and self-reflection, and the chance to explore new places and cultures.

What options are available for solo senior travelers?

Solo senior travelers have a range of options, including guided tours, independent travel options, and vacation packages designed for single seniors.

What are the benefits of guided tours for solo seniors?

Guided tours provide safety, convenience, and the guidance of experienced professionals. They offer a structured itinerary, knowledgeable tour guides, and the opportunity to form new friendships with fellow travelers.

Is independent travel a good option for older adults?

Yes, independent travel can be a rewarding and empowering experience for older adults. It allows seniors to explore at their own pace, choose their own accommodation and dining options, and engage in activities that align with their interests.

Are there vacation packages specifically designed for single seniors?

Yes, there are vacation packages specifically designed for single seniors. These packages provide an opportunity for solo travelers to join group tours, meet new people, and explore new destinations.

What solo senior vacation opportunities are available?

Solo senior vacation opportunities abound, offering unique and specialized travel experiences for older adults. From adventure travel to cultural immersion tours, seniors can choose from a wide range of options that cater to their interests and preferences.

Are there senior-friendly travel options available?

Yes, many travel companies specialize in providing senior-friendly travel options that cater to the unique needs and preferences of older adults. These companies offer comfortable accommodations, accessible transportation, and tailored itineraries.

How can solo senior travelers ensure their safety?

Solo senior travelers can ensure their safety by traveling with proper travel insurance, having copies of important documents, staying connected with loved ones, researching destinations, staying in well-reviewed accommodations, and being aware of local customs and safety precautions.

What factors should solo seniors consider when choosing a tour?

Solo seniors should consider factors such as travel preferences, activity levels, accommodations, group size, the expertise of tour guides, and reading reviews and recommendations from other travelers.

What are some important points to know about solo senior travel?

Solo senior travel offers a range of options for older adults who want to explore the world on their own terms. With the right planning and considerations, seniors can confidently embark on solo adventures and create unforgettable memories.

Source Links

• https://www.goabroad.com/articles/adventure-travel-abroad/tours-for-seniors-traveling-alone
• https://www.goaheadtours.com/escorted-tours/senior-travel
• https://www.travelandleisure.com/trip-ideas/senior-travel/best-travel-groups-for-seniors

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Benefits and Entitlements

If you're 60 or over or you have a disability, you might be eligible for public transport concessions – from discounts on your rail journeys to a free bus pass.

What transport concessions are available?

Can i get a free bus pass, can i get a discount on train travel, can i get a london freedom pass, what if i have difficulty using public transport, what if i'm unable to use public transport, more travel concessions questions.

There are several national public transport concessions available to older and disabled people. Some entitle you to discounts on your fares, while others allow you to travel for free.

Eligibility for these concessions depends on whether you have a disability or your age. 

Depending on your age and your circumstances, you might be able to get one of the following free bus passes, which allow you to travel free on local buses:

• an older person's bus pass
• a disabled person's bus pass

What age do I have to be to get an older person's bus pass?

You can get an older person's bus pass when you reach State Pension age, which is currently 66 for both women and men.

Apply for your older person's bus pass on GOV.UK

If you're 60 or over and live in London, then you can get free travel on buses, trains and other modes of transport in and around London with a 60+ London Oyster photocard.

Apply for your 60+ London Oyster photocard on the TFL website

How can I get a disabled person's bus pass?

There's no central provider of the disabled person's bus pass – to find out if you're eligible and how to apply, you need to get in touch with your local council.

Find your local council and apply for a disabled person's bus pass on GOV.UK

Are there any other discounts if I'm an older person or I'm disabled?

It's a good idea to contact individual transport operators to see if they offer discounts.

For instance, National Express offers Coachcards. These are discount cards for older or disabled customers. You buy them for a set fee of £15.00 and they get you a third off the cost of your travel across the year.

Find out more and order a Coachcard on the National Express website

Depending on your age and circumstances, you might be entitled to one of the below railcards:

• a Senior Railcard
• a Disabled Person's Railcard

Both railcards are discount cards. You buy them for a set fee to last either 1 or 3 years and they get you a third off the cost of your train travel.

Can I get a Senior Railcard?

The Senior Railcard is available for anyone aged 60 or over to buy.

You can apply on the Senior Railcard website using a valid passport or UK driving licence as ID. Or, you can apply in person at most staffed railway stations.

Find out more about the Senior Railcard and apply online

Can I get a Disabled Person's Railcard?

The Disabled Person's Railcard is available to you if you meet one of the following criteria:

• you're registered as deaf or use a hearing aid
• you're registered as having a visual impairment
• you have epilepsy
• you receive a disability-related benefit, such as  Personal Independence Payment
• you receive War or Service Disablement pension
• you receive Attendance Allowance
• you receive Severe Disablement Allowance
• you receive War Pensioner's mobility supplement

Find out more about the Disabled Person's Railcard and apply online

Freedom Passes give London residents free travel in the city – including National Rail services, the Underground, buses, river services and trams – and free local bus journeys nationally.

If you live in London, you can apply for a Freedom Pass if one of the following applies to you:

• you've reached State Pension age
• you have a disability.

Find out more about Freedom Passes and apply on the London Councils website

National Rail has an interactive tool called Stations Made Easy, designed to help people find their way around stations and find more accessible routes, avoiding potential difficulties like stairs. This may be helpful if you have difficulty using public transport because of your health. 

Find out more and use the tool on the National Rail website

If you're disabled, you can't use public transport, or you don't have access to a car, you might also be able to use a community transport scheme – such as a social car, dial-a-ride, or taxicard scheme.

Shopmobility schemes help people shop in town centres by lending out wheelchairs and scooters. Some local councils also offer concessions on local public transport.

To find out what's available in your area, you can contact your local council or your local Age UK.

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No, you can't use a free bus pass on National Express buses. To get senior concessions on National Express you need to buy a senior coachcard, which costs £15 a year.

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Yes, your bus pass will give you free travel on buses across England, including London. However, there may be specific rules about when you can travel for free, so check your local council's free bus pass guidance before travelling.

Find your local council's older person's bus pass guidance on GOV.UK

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Last updated: Apr 09 2024

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Free travel in Ireland

What is the free travel scheme, how to use free travel, where can i use free travel, how to qualify for free travel, how to apply for free travel, where to apply for free travel, senior smartpass for travelling in northern ireland.

The Free Travel Scheme allows you to travel, free of charge, on public transport and some private bus and ferry services.

Everyone aged 66 and over, living permanently in Ireland, can get the Free Travel Scheme.

People with disabilities and carers aged under 66 may also qualify for Free Travel.

If you qualify for Free Travel and you are married, in a civil partnership or cohabiting, your partner may travel with you for free if you meet certain criteria (see ‘Spouses, civil partners and cohabitants’ below).

If you can’t travel alone for medical reasons, you may get Free Travel for a companion. This allows a person aged over 16 to travel with you for free.

Changes to the Free Travel Scheme in 2024

From 29 July 2024, you will qualify for the Free Travel Scheme if you are aged over 17 and under 66, and:

• Have never been able to drive due to a disability
• Have a driving licence and are medically certified as ‘not fit to drive’ for at least 12 months.

While the change won’t take effect until July, you can download and fill in an application form for Free Travel for people medically certified unfit to drive (FTM) (pdf) now.

In this case, your spouse, civil partner, or cohabitant cannot accompany you free of charge when travelling.

If you qualify for Free Travel, your Public Services Card (PSC) will have FT (for Free Travel) in the top left-hand corner. The letter following it shows who can travel for free with you:

• FT-P - you can travel for free
• FT+S - your spouse, partner or cohabitant can travel with you for free
• FT+C - you can have a person (over 16) travel with you for free

You must show or scan your Public Services Card to the travel operator when you are travelling on public transport. Find out more about 'How to use your public services card for free travel' .

Paper travel passes are no longer being issued but you can still use your paper pass, if it is valid.

You can use your Free Travel on most Iarnród Éireann , Bus Éireann , Dublin Bus , DART and Luas Services and on certain private bus and ferry services (pdf) .

Free travel is also available on Dublin Bus Nitelink , Go-Ahead Ireland and TFI (Transport for Ireland) Local Link services .

Free travel does not include some special services such as Dublin Bus AIRLINK services .

You can find a full list of services where you can use Free Travel (pdf) on gov.ie.

There are no restrictions on the times you can use your Free Travel.

Living on the Aran Islands or Tory Island

If you are permanently living on any of the Aran Islands, you may get up to 12 single (or 6 return) air trips each year between the islands and Galway City.

People who live permanently on Tory Island (Co. Donegal) are entitled to 8 (or 4 return) free journeys on the seasonal helicopter service operating between the island and Falcarragh on the mainland.

If your public services card includes free travel for a companion, spouse, partner or cohabitant, they can also travel with you for free on the above services.

Going to Northern Ireland

You may also travel free of charge on certain cross-border services between Ireland and Northern Ireland. But to travel free in Northern Ireland, you must have a Senior Smart Pass – see ‘Senior SmartPass for travelling in Northern Ireland’ below.

To get Free Travel you must be living in Ireland and meet one of the following conditions:

• You are aged 66 or over
• You are getting Disability Allowance , Blind Pension , Carer's Allowance or an Invalidity Pension
• You are blind or visually impaired and meet the medical conditions for Blind Pension
• You have been getting Incapacity Supplement or Workmen's Compensation with Disablement Pension for at least 12 months
• You are a specified carer for a person getting Constant Attendance Allowance or Prescribed Relative's Allowance
• You are getting a social security invalidity payment (or similar payment) from a country covered by EU regulations or from a country with which Ireland has a bilateral social security agreement for at least 12 months

Widow or widower or a surviving civil partner

If you are a widow or widower or a surviving civil partner aged 60 or over, living in Ireland and your late spouse or civil partner had Free Travel, you can get Free Travel, if you are getting one of the following payments:

• Widow's, Widower's or Surviving Partner's (Contributory) Pension
• Widow's, Widower's or Surviving Partner's (Non-Contributory) Pension
• One-Parent Family Payment
• Widow's, Widower's or Surviving Partner's Pension under the Occupational Injuries Benefit Scheme
• A similar social security pension or benefit from a country covered by EU regulations or a country with which Ireland has a bilateral social security agreement
• You are getting an ordinary Garda widow's pension

Spouses, civil partners and cohabitants

If you are entitled to Free Travel and you are married, in a civil partnership or cohabiting, your partner may be able to travel with you for free.

Your spouse, civil partner or cohabitant cannot travel with you for free, if you are under age 66 and getting Free Travel because you are:

• Getting Carer's Allowance
• The nominated carer for a person getting Constant Attendance Allowance or Prescribed Relatives Allowance

Your PSC card must have FT-S on it to allow your partner travel with you. To add your spouse, civil partner or cohabitant to your Free Travel - see ‘How to apply for Free Travel’ below.

If you can’t travel alone

If you are unable to travel alone , you can have a person, over 16 years of age, travel with you for free. Your PSC card must have FT-C on it. To add a companion to your Free Travel, see ‘How to apply for Free Travel’ below.

Free travel companion card for children

A child with a visual impairment can get Free Travel for a companion if they are under 18 and they either:

• Satisfy the blindness condition for a Blind Pension, or
• Are registered with Vision Ireland or the National League of the Blind of Ireland

The person they travel with (companion) must be age 16 or over.

Work and Free Travel

You can keep your Free Travel for 5 years, if you moved from one of the following disability payments to work:

• Disability Allowance
• Invalidity Pension
• Partial Capacity Benefit (from Invalidity Pension)
• Disablement Benefit paid along with Incapacity Supplement

You can also keep your Free Travel for 5 years if you transferred from Disability Allowance or Invalidity Pension to a Community Employment , SOLAS or a Back to Work scheme.

If you are aged 66 or over and are getting a State pension, your Public Services Card (PSC) will be issued showing that you have Free Travel automatically.

If you are under 66, you will get Free Travel automatically issued on your PSC if you get one of the following payments:

• Blind Pension
• Carer’s Allowance

If you are married or in a civil partnership, your PSC will be issued with FT-S on it. If you are cohabiting, you must fill in Part 1 and 2 of the Free Travel application form FT1 (pdf) .

If you are not getting one of the payments above but you are eligible for Free Travel, you must fill in the Free Travel application form FT1(pdf) and send to the Free Travel Section in the Department of Social Protection.

If you can’t travel alone and need a companion

If you are unable to travel alone, you can apply for Free Travel for a Companion, using either of the following forms:

• Over 70 Companion pass form (pdf)
• Under 70 Companion pass form (pdf)

You can get an application form for Free Travel from the Department of Social Protection. The form is also available at your local post office and Citizens Information Centre .

Lost or damaged Free Travel pass or PSC

There are currently 2 types of Free Travel Pass:

• A paper Free Travel Pass
• A Public Services Card with Free Travel (with F-T written in the top left-hand corner)

Paper passes are no longer being issued so if you need a replacement for a lost or damaged paper pass, you must undergo SAFE registration and get a Public Services Card .

If your Public Services Card Free Travel is lost, stolen or damaged, you should telephone 0818 837 000 to request a replacement card.

Free Travel

Social Welfare Services College Road Sligo Ireland

If you are 66 or over and have Free Travel, you can travel free of charge on all bus and rail services within Northern Ireland using a Senior SmartPass card.

If you are 66 or over and have Free Travel, you do not need to meet the residency condition in Northern Ireland to apply for a Senior SmartPass card.

How to apply for a Senior SmartPass

To get a Senior SmartPass, you must fill in an application form (FTNI1). You can get this form from your local Intreo Centre or Social Welfare Branch Office. It is not possible to get this form online .

You should not use a photocopy of the form as each form is barcoded. The application form must be filled in with black ink only and returned in person (not posted) to your Intreo Centre or Social Welfare Branch Office.

You must bring each of the following items with your application form to your Intreo Centre or Social Welfare Branch Office:

• Your Irish Free Travel pass/Public Services Card
• Proof of your address, (for example, a gas, electricity, phone bill or bank statement)
• Proof of your identity, (for example, your driving licence, passport or another form of photo identification)
• A recent passport standard colour photograph

It may take up to 6 weeks to process your application. There is further information on the extension of the Free Travel Scheme .

Travelling with a partner or companion

A spouse, civil partner, cohabitant or companion cannot travel with you for free on public transport within Northern Ireland.

However, your Irish Free Travel allows your spouse, civil partner, cohabitant or companion to travel for free on certain cross-border services between Ireland and Northern Ireland. For example, a cross-border train journey that starts in Ireland and ends in Northern Ireland or vice versa.

Renewing and replacing a Senior SmartPass

Your Senior SmartPass will expire after 5 years.

• If you have electronically used your card within the last 2 years, you will get a new card automatically in the post from Translink when your card expires.
• If you have not used your card in the last 2 years, you will be sent a renewal application form to fill in. The renewal form is not the same as a first-time application and you do not need to supply a photograph.
• If you have never used your card, you will not hear from Translink at all. If you wish to get it renewed, you must contact Translink by email at [email protected] , or telephone 00 44 289 075 9129 or 028 90 66 66 30 and they will send you a renewal application.

If you lose or need to replace your Senior SmartPass for travel in Northern Ireland, you can fill in form (FTNI 2) (pdf) .

Brexit and the Senior SmartPass

On 31 January 2020 the UK exited the EU . Senior SmartPass holders can continue to travel in Northern Ireland on the bus and train.

Related documents

• Tax-free purchases for non-EU travellers The Retail Export Scheme, allows visitors to Ireland (from outside the European Union) to buy goods in Ireland to take home with them and benefit from tax relief. 2875.21
• Customs regulations for travellers to Ireland Find out about the important rules in place regarding customs regulations for people travelling to Ireland. 2632.6506
• Travelling from Ireland for healthcare in Europe Introduction to the options for Irish residents who wish to access healthcare in other countries in Europe. 2555.6353

If you have a question about this topic you can contact the Citizens Information Phone Service on 0818 07 4000 (Monday to Friday, 9am to 8pm).

You can also contact your local Citizens Information Centre .

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14 best travel credit cards of June 2024

The best travel credit cards offer an array of premium perks and benefits . For both occasional travelers and frequent flyers, adding a travel credit card to your wallet is a great way to earn rewards and save money on every trip you take. At The Points Guy, our team has done the legwork and curated a selection of the best travel credit cards for any globe-trotter, whether you prefer to backpack through mountains or settle into a luxury villa for some relaxation. From generous travel credits to premium lounge access, we’ve chosen the cards packed with the best benefits to elevate your next travel experience.

Check out our list below and discover which travel credit card from our partners makes the best addition to your wallet for all of your adventures.

• Chase Sapphire Preferred® Card : Best for beginner travelers
• Capital One Venture Rewards Credit Card : Best for earning miles
• Capital One Venture X Rewards Credit Card : Best for premium travel
• Ink Business Preferred® Credit Card : Best for maximizing business purchases
• The Platinum Card® from American Express : Best for lounge access
• American Express® Gold Card : Best for dining at restaurants
• Capital One VentureOne Rewards Credit Card : Best for no annual fee
• The Business Platinum Card® from American Express : Best for business travel
• Wells Fargo Autograph Journey℠ Card : Best for unlimited point earning
• Chase Sapphire Reserve® : Best for travel credits
• Wells Fargo Autograph℠ Card : Best for variety of bonus categories
• American Express® Business Gold Card : Best for flexible rewards earning
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners
• Alaska Airlines Visa Signature® credit card : Best for Alaska Airlines miles

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Comparing the best credit cards, more details on the best credit cards, credit pointers with brian kelly, what is a travel credit card, helpful tools, how we rate cards, how to maximize travel credit cards, how to choose the best travel credit card, ask our experts, pros + cons of travel credit cards, frequently asked questions.

• Airport Lounge Access

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full  review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
• Annual $50 Chase Travel Hotel Credit
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
• The card comes with a $95 annual fee.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Capital One Venture Rewards Credit Card

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card .

• This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, worth $1,388 based on TPG valuations and not provided by the issuer.
• You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.
• Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
• Highest bonus-earning categories only on travel booked via Capital One Travel
• Capital One airline partners do not include any large U.S. airlines.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Capital One Venture X Rewards Credit Card

If you can maximize the  $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees ). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations ) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full  review of the Capital One Venture X Rewards Credit Card .

• 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
• 10,000 bonus miles every account anniversary
• $395 annual fee
• $300 credit annually, only applicable for bookings made through Capital One Travel portal
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full  review of the Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
• The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• See Rates & Fees

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com ,  Milk Bar, and select Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment is required for select benefits. Read our full review of the Amex Gold .

• 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
• 3 points per dollar on flights booked directly with the airline or with Amex Travel.
• Welcome bonus of 60,000 points after spending $6,000 in the first six months of account opening.
• Weak on travel and everyday spending bonus categories.
• Not as effective for those living outside the U.S.
• Some may have trouble using Uber/food credits.
• Few travel perks and protections.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase! Coupled with the 20,000-mile sign-up bonus, you can use your rewards to book travel, transfer to Capital One’s loyalty partners and more. Read our full review of the  Capital One VentureOne Rewards Credit Card .

• No annual fee.
• Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
• Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
• Earn 1.25 miles per dollar on all purchases.
• No foreign transaction fees.
• Other credit cards can offer you higher rewards for your common purchase categories.
• Capital One airline transfer partners do not include any large U.S. airlines.
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full  review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• High spend needed for welcome offer.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.

Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.

• No foreign transaction fees
• Uncapped earning potential
• $50 annual statement credit
• Solid point earning rates in popular categories
• This card features an annual fee
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve card .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access to Chase Ultimate Rewards hotel and airline travel partners.
• 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee.
• May not make sense for people that don't travel frequently.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Read our  full review of the Wells Fargo Autograph here .

• This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and an introductory APR offer on purchases. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.
• Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full  review of the American Express Business Gold Card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs. Read our  full review of the Bank of America Travel Rewards  card.

• 1.5 points per dollar on all purchases
• No annual fee
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.
• No travel and purchase protections.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Alaska Airlines Visa Signature® credit card

There’s a lot to love about the Alaska Airlines credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our  full review of the Alaska Airline credit card.

• Free checked bag for you and up to six guests on your reservation.
• Alaska discounts, including 20% back on in-flight purchases.
• Limited Time Online Offer—60,000 Bonus Miles!
• Get 60,000 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.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

You’ll earn a solid return on dining and travel (6% back and 4% back, respectively, based on TPG valuations ) on top of your generous sign-up bonus, and you also have access to some of the best travel protections offered by any travel rewards credit card.

We’ve long suggested the Chase Sapphire Preferred Card   as an excellent option for those who are new to earning travel rewards because it lets you earn valuable, transferable points  with strong bonus categories and a reasonable annual fee.

“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” — Madison Blancaflor , senior content operations editor

To add more luxury to your travel experience, consider the Chase Sapphire Reserve® . Though it comes with a higher annual fee, you’ll enjoy Priority Pass lounge access plus a $300 annual travel credit.

With the Capital One Venture, you’re earning 2 miles per dollar on every purchase, which makes it easy to rack up rewards without having to juggle different bonus categories or spending caps. And with flexible redemption options and a manageable annual fee, this card is an excellent choice if you’re looking to keep just one credit card in your wallet for all spending.

Those looking to earn flexible rewards should use the Capital One Venture card as it allows you to redeem miles for a fixed value or transfer the miles you earn to 15+ airline and hotel transfer partners , including Avianca, Etihad Airways, Turkish Airlines and Singapore Airlines.

“The Capital One Venture is a great card that can add value to pretty much anyone’s wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards’ bonus categories. The annual fee is low, Capital One miles are easy to redeem and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursement.” — Madison Blancaflor , senior content operations editor

Even if you’re a casual traveler, consider jumping to the Capital One Venture X Rewards Credit Card  (see  rates and fees ). The card’s up to $300 annual credit for purchases made with Capital One Travel immediately covers the higher annual fee — and that’s not even considering the added perks you’ll enjoy.

At $395 per year (see rates and fees ), this premium card is cheaper than all of its competitors without sacrificing the breadth of valuable perks it includes. Cardholders will get unlimited visits to Capital One’s premium network of lounges and 1,300-plus Priority Pass lounges worldwide  and able to bring up to two guests for no additional charge.

For frequent travelers, the Capital One Venture X is a must-have and is well worth the $395 annual fee. If you travel frequently with your significant other, family or friends, you can even add some authorized users for no additional cost. This will grant them their own lounge access (and the ability to bring up to two guests for no fee), among many other benefits, making this a huge cost-saver for those who travel in groups.

“With an annual fee that is $300 less than The Platinum Card® from American Express (see Amex Platinum rates and fees ), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel credit, which I use to book flights. That effectively brings the annual fee down to $95 per year (see rates and fees ). Cardholders enjoy a Priority Pass Select membership. Authorized users — you geta number of them at no cost — also enjoy their own Priority Pass Select membership. I use my Venture X card to earn 2 miles per dollar (a 3.7% return at TPG’s valuations ) in spending categories where most cards would only accrue 1 mile — like auto maintenance, pharmacies and medical bills.” — Kyle Olsen , former points and miles reporter

Those turned off by the Venture X’s annual fee could opt for the Capital One Venture Rewards Credit Card , which has a $95 annual fee (see rates and fees ), identical sign-up bonus and similar earning and redemption options.

The Ink Business Preferred earns 3 points per dollar on the first $150,000 in combined travel, shipping, internet, cable, phone services and advertising purchases made on social media sites and search engines each account anniversary year. TPG’s most recent valuations  peg the value of Chase Ultimate Rewards points at 2 cents apiece, so you’ll get a fantastic return of 6% on purchases in these categories.

If you spend a lot on business travel or social media advertising, you’ll be able to earn significant points using the Ink Business Preferred card .

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

If you don’t want to worry about maximizing specific purchases and are looking for a lower spending requirement to earn a sign-up bonus, consider the Ink Business Unlimited® Credit Card , which offers 1.5% cash back on all purchases and carries no annual fee.

The Amex Platinum is a stellar premium travel card that can provide amazing redemptions . Besides the welcome offer, it comes with more than $1,400 in credits each year and various lounge access options. Enrollment is required for select benefits.

Anyone looking for luxury travel benefits will find that the ton of annual statement credits make the annual fee worth it. Plus, you’ll get unparalleled lounge access , automatic Gold status with Hilton and Marriott, and extra perks with Avis Preferred , Hertz Gold Plus Rewards and National Car Rental Emerald Club . Enrollment is required for select benefits.

“While this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits (enrollment is required). And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior credit cards editor

The Capital One Venture X Rewards Credit Card  can be a great alternative to the Amex Platinum, with a notably lower annual fee, similar perks and a more rewarding earning rate on everyday purchases.

The Amex Gold earns 4 points per dollar on dining at restaurants, with no foreign transaction fees (see rates and fees ), meaning you’ll get an 8% return on purchases (based on TPG’s valuations ). While a few other cards temporarily offer higher return rates on dining, this is the best option for long-term spending, making it one of the best dining cards and best rewards cards .

Those looking for a great return on dining and purchases at U.S. supermarkets will get a lot of value from this card.

“Groceries and dining at restaurants are two of my top spending categories, and I love that the Amex Gold rewards those purchases with 4 points per dollar. When you factor in the $10 dining credit and $10 in Uber Cash each month, the $250 annual fee is a net cost of $10.” — Senitra Horbrook , former credit cards editor

For those who dine out a lot and also want additional bonus categories and other valuable perks for a lower annual fee, consider the Chase Sapphire Preferred® Card .

The no-annual-fee Capital One VentureOne Rewards Credit Card (see  rates and fees ) has the same redemption options as its sibling card (the Venture Rewards card) but with a lower rewards rate and fewer perks. The miles earned on the card can also be transferred to airline and hotel partners, a benefit not usually seen with a no-annual-fee card.

The VentureOne is a strong card to have in your arsenal and great if you are budgeting. After all, there aren’t many no-annual-fee cards with the ability to transfer points and miles directly to travel partners, so it’s a big bonus that this card offers that (see rates and fees ).

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner (see rates and fees ). It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith , former credit cards writer

For a small annual fee, many travelers could benefit from the Capital One Venture Rewards Credit Card . You’ll earn at least 2 miles per dollar on all purchases and receive a statement credit for TSA PreCheck or Global Entry membership.

There are certain ways to earn bonus points for spending on the Amex Business Platinum Card, but it’s the array of perks on the card that make it a great option. Beyond airport lounge access and automatic hotel elite status, there are a number of statement credits that are specifically targeted to common business expenses.

If you travel for business frequently, this card could help you upgrade your experience in the air and on the ground while saving you money on select business-related services. And the current welcome bonus is just the icing on the cake.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that’s even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell (enrollment required), I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

For less-frequent travelers, consider the American Express®  Business Gold Card , which offers 4 points per dollar spent on your top two spending categories each month on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter).

The Autograph Journey offers cardholders the chance to earn elevated rates across travel categories including 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and 'other travel' which includes timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds. On top of this, cardholders also get the added benefit of earning a flat rate of 1 point per dollar on other purchases for a $95 annual fee.

If you travel frequently and are looking for a card to help you rack up points you can redeem for future travel, this card is a decent option. Additionally, those looking for a way to fill gaps in their points earning strategy will benefit from the flat 1 point per dollar spent on other purchases outside of the main travel categories.

Another great perk the Autograph Journey features is an annual $50 statement credit triggered by an airline purchase of at least $50. This is on top of elevated earning rates in the certain travel categories and a solid welcome offer for new applicants. There's also no foreign transaction fees on the Autograph Journey card making it a good first travel card as well as a decent supplemental card to add to your travel credit card roster.

If you're looking for a more general use credit card with no annual fee, consider the Wells Fargo Active Cash® Card (see  rates and fees ). It earns a flat rate of 2% cash rewards on purchases making an excellent choice to help fill gaps in your reward earning strategy. The best part? Like the Autograph Journey card, the Active Cash Card doesn't put a cap on the amount of cash back you can earn.

The Chase Sapphire Reserve comes with an annual $300 travel credit to offset a variety of expenses — such as airfare, hotels, rental cars, transit and more. You’re also getting an up-to-$100 Global Entry or TSA PreCheck application fee credit  once every four years along with Priority Pass Select membership. And Chase’s slate of transfer partners allows plenty of opportunity to get the maximum value from your points.

Those looking for elevated earning rates and extensive travel protections should have this card in their wallet. The 50% redemption bonus when you use your points to pay for travel through the Chase portal  is also a nice perk.

“I’ve had the Sapphire Reserve for years, and it’s going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and various trip protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I’m able to maximize the earnings across all of my purchases.” — Nick Ewen , director of content

If you just can’t stomach the Sapphire Reserve’s $550 annual fee, go for the Chase Sapphire Preferred® Card  instead. It has similar perks, redemption options and travel protections — for a much lower $95 per year.

The Wells Fargo Autograph is a great no-annual-fee card that offers quality earning categories and travel and shopping protection.

Travel card beginners who are looking to get into points earning should consider the Wells Fargo Autograph, which offers a welcome bonus, 3 points per dollar on a variety of everyday spending categories and cellphone protection.

If you’re just getting into the travel credit card world and are not sure travel cards are for you, consider the Wells Fargo Autograph, which will allow you to earn bonus points on travel spending without the commitment of an annual fee.

If you’re looking to earn transferable reward points but still maintain a similar earning structure, consider the Bilt Mastercard® (see rates and fees ). The card earns 3 points per dollar on dining and 2 points per dollar on travel purchases for no annual fee. Plus, Bilt points can be transferred to any of its multiple travel partners. 

The American Express Business Gold card comes packed with perks and benefits, but its most unique feature is the ability to shift your monthly bonus categories. Cardholders will automatically earn 4 points per dollar in their top two spending categories on the first $150,000 in combined purchases from these categories each calendar year (then 1 point per dollar thereafter), so if your business spending varies month to month, you won’t have to commit to a bonus category.

The American Express Business Gold card is an excellent choice for business owners who are looking for a premium business card with premium business perks like monthly office supply statement credits, travel and shopping protection and access to The Hotel Collection.

The American Express Business Gold is an excellent choice for small businesses that have changing bonus categories but still want more premium business perks and benefits.

If you still want to earn Membership Rewards points without paying an annual fee, consider The Blue Business® Plus Credit Card from American Express (see rates and fees ), which earns 2 Membership Rewards points on all business purchases (up to $50,000 per calendar year, then 1 point per dollar).

The Bank of America Travel Rewards card operates similarly to the Capital One Venture Rewards Credit Card . You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to cover eligible travel purchases.

It’s perfect for low-budget beginner travelers  who want a card with no annual fee and a simple way to earn and redeem points.

“I’m happy earning 1.5 points per dollar on all purchases on a card without an annual fee. I can’t pay for everything in life with transferable points, and it’s nice to have a card with fixed-value points for those situations. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points.” — Ryan Smith , former credit cards writer

If you’re interested in a card with transferable miles that still has no annual fee (see  rates and fees ), consider the Capital One VentureOne Rewards Credit Card .

The Alaska Airlines Visa earns 3 miles per dollar on eligible Alaska Airlines purchases; 2 miles per dollar on eligible gas, EV charging stations, cable, streaming services and transit (including local ride share purchases); and 1 mile per dollar on everything else. You get a free checked bag on Alaska flights for you and up to six guests on your reservation, an annual Companion Fare on your account anniversary and 20% back on all inflight purchases.

Whether you live on the West Coast or not, the Alaska Airlines Visa is a good cobranded airline card to consider adding to your wallet. The Seattle-based airline is mostly limited to North American routes, but international destinations through Oneworld partners make this card valuable for all travelers.

“With new benefits, this card is even more valuable to me — even with its higher annual fee. It provides a free first checked bag, discounts on inflight purchases and priority boarding. My favorite feature, however, is the annual Companion Fare. I get hundreds of dollars in annual value from this perk.” — Ryan Smith , former credit cards writer

If you’re not looking to collect airline-specific miles, a general travel card like the Chase Sapphire Preferred® Card might be a better option.

Travel rewards credit cards earn points, miles or cash back that are redeemable for travel expenses or are geared toward travel spending. The cards on this list are some of the best credit cards to book flights , hotels and more with their many perks and rewards . 

Travel credit cards offer rewards on different purchases that can help you book flights, hotels and more for little to no out-of-pocket expenses. Some cards also provide valuable perks and benefits that upgrade the overall travel experience — from Global Entry application fee credits to lounge access to complimentary elite status . If you have the right card (or cards) in your wallet, the sky is the limit on where your travels can take you — literally.

Additionally, it’s often advantageous to travel with more than one credit card for a variety of reasons. Carrying a backup credit card when you travel can provide peace of mind in the case of bank or issuer problems or if you have a card flagged for fraud while you travel. (In this case, knowing if your card requires you to set up travel alerts for lengthy travel could be worthwhile).

Are you new to travel rewards? Check out our beginner’s guide to all things points and miles . You’ll learn about top loyalty programs, how to maximize your credit card strategy to reach your travel goals and so much more.

Related: The complete history of credit cards, from antiquity to today

We have researched various types of travel credit cards to help you figure out which one is best for you.

Travel vs cash back credit cards

A travel credit card is a card that is geared toward travel spending and a cash-back credit card is a card that earns cash back on purchases made with the card.

Generally, when we are talking about travel credit cards we refer to cards that earn points and miles like the Platinum Card from American Express or the Hilton Honors Aspire card. The Platinum Amex earns transferable points which can be used with any of Amex's travel partners while the Hilton Honors Aspire card only earns Hilton points which can be redeemed at Hilton properties. These cards do not earn cash back on any purchases.

Cash back cards generally offer cash back as a flat rate or feature bonus categories that earn an elevated cash back rate. Select cash-back cards can also be a great travel card such as the Blue Cash Preferred Card from American Express which offers 3% cash back on transit including rideshare, trains, buses, and more. Even though it is a cash-back card, the Blue Cash Preferred offers an elevated return on select transportation which potentially makes it a solid travel card option.

How do travel credit cards work?

Travel credit cards work like other reward credit cards: They help you earn rewards, primarily points and miles, on your purchases. This section will primarily focus on transferable rewards credit cards, like the Chase Sapphire Reserve and The Platinum Card® from American Express, as they are what are typically considered travel credit cards.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn transferable points

Transferable points credit cards earn points or miles when you make a purchase on the cards. These points and miles can then be transferred to travel partners for rewards like flights, hotel stays and more. Different cards will have different currencies, but they are generally called either “points” or “miles” (depending on the issuer). All transferable reward credit cards, airline credit cards and hotel credit cards will have their own currency that is redeemable for travel rewards. 

Travel cards have varying rates for different purchase categories. For example, the American Express® Gold Card card earns 4 points per dollar spent on restaurants but only 3 points per dollar spent on flights booked directly with the airline or Amex Travel. While the Amex Platinum may be a better card for travel as it earns 5 points per dollar spent on flights (booked directly with airline or Amex Travel and up to $500,000 per calendar year), the Amex Gold can be a good addition for Platinum holders who spend a lot of money on dining out.

Related: How to redeem American Express Membership Rewards for maximum value

How to redeem points and miles  

Once you’ve decided on a travel credit card and earned a welcome bonus, it’s time to put those points or miles toward free travel. There are many ways to redeem your rewards with travel credit cards. Many cards feature an online booking portal through which you can use your rewards to book things like flights, hotels and car rentals. Before booking your flight, you should consider doing a  flight portal comparison to ensure you're getting the best redemption. Others allow you to transfer your points or miles to individual loyalty programs. Depending on the redemption, this could unlock even more value.

There are plenty of ways to ensure you don’t make mistakes with your travel rewards . For instance, be sure you do your research with your rewards to get a high-value redemption and make sure your accounts are in good standing so you don’t risk losing them.  

Related: Tips and tricks to get maximum value from your Capital One miles

It’s up to you to decide whether a specific trip is worth spending your rewards. You can use TPG’s monthly valuations to help you determine if the price of your flight or hotel room is worth your points and miles. Some travels are more affordable in cash, but you can always save your points to splurge on a business-class flight to Europe or an overwater bungalow at a luxury resort. 

How to use travel credit card portals  

In the world of travel credit cards, the four major players are American Express, Capital One, Chase and Citi. These issuers also have their own travel portals which can be used to earn and redeem points for travel. 

Some issuers, like Capital One and Chase , offer an incentive to book travel through the bank’s portal but it is not always worth booking through a portal. 

We do not recommend booking hotel travel through card portals as it typically does not honor elite-status benefits or elite-qualifying stay credits. 

Luckily, flights typically allow you to earn bonus points through a card issuer’s portal and with the airline. Keep in mind that this does not apply to all cards. When purchasing in cash, there generally is little variance in booking through a portal or on the airline’s website so if your travel credit card offers incentives to book through the portal , it can be a great way to earn extra points. 

Related: Ultimate guide to the Citi travel portal

Points and miles redemptions will have a fair variance, especially if there are incentives to book through the travel portals. Overall, travel portals can be a great addition to your points redemption journey if properly used. Always remember to compare the price or redemption value of booking through a portal or directly with an airline. 

Booking through a portal may make matters complicated if you ever need to change or cancel your flight. 

Related: Battle of the credit card travel portals: Which is the best for booking flights?

Types of travel credit cards

Travel credit cards are cards that are geared towards travel spending. Luckily, there are many types of travel credit cards which means there is a good option for any traveler. Typically, when talking about travel credit cards, we are referring to transfer rewards credit cards, airline credit cards and hotel credit cards. There are additional types of travel credit cards that are less popular but can still be a good option for the right traveler.

Transferable rewards credit cards earn points and miles that can be redeemed through a card’s rewards program directly or by transferring them to a travel partner . Many of our best travel credit cards fall under this category because they are the most valuable type of points you can earn. Transferable rewards give you the flexibility to redeem your rewards in a way that will be most beneficial to you. Examples of top transferable rewards cards are the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline. For example, an airline card may offer free checked bags , a certain number of elite-qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more.

Hotel cobranded cards work like airline cards. You’ll earn rewards that are redeemable for a particular hotel program, such as Hilton or Marriott. Hotel cards come with their own benefits, such as complimentary elite status or free award-night stays. In addition, hotel cards can help you stack your earnings on hotel stays with the hotel’s program.

For example, if you have a Marriott credit card , you’ll earn bonus points for every dollar spent at participating Marriott properties on top of the 10 base points you get as a member of the Bonvoy program. This can really amplify the rewards you can earn when you use your hotel card to pay for your booking.

The points and miles world can be confusing for new credit card users but it doesn’t have to be. While transferable rewards cards are arguably the best way to earn points and miles for travel, they can also be incredibly confusing. Fixed-value credit cards and cash-back credit cards are good alternatives for beginners who are looking to get into the travel credit card world.

Fixed-value cards earn points or miles that are always redeemed for the same value. For example, the Bank of America® Premium Rewards® credit card earns points worth 1 cent each. These cards are great for beginners who haven’t quite gotten the hang of maximizing transferable points or casual travelers who are looking for their first travel credit card . Fixed-value credit cards are often the best travel credit cards for beginners. 

As more hotels and airlines move to a dynamic pricing model where award pricing shifts dramatically, fixed-value rewards programs are becoming more popular.

Another great credit card option for casual travelers or credit card beginners is cash-back credit cards. You don’t have to worry about points, transfer partners or maximizing your rewards with these cards. Cash-back cards provide a percentage of cash back on your spending and provide a simple way to save on your upcoming travels. 

The Capital One Quicksilver Cash Rewards Credit Card (see rates and fees ) is a great option for beginners to travel rewards. It earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and has no annual fee.

Travel credit card benefits

Some travel cards offer automatic elite status with various programs when you sign up and can also accelerate the journey to elite airline status by converting points to air miles. If you are loyal to a particular hotel brand, status with that brand will be valuable. You’ll be entitled to room upgrades, resort credits, early check-in, late checkout and more. If you’re not loyal, it won’t. The same goes for elite status with an airline — you’ll get lounge access, upgrades, increased baggage allowance, etc. When comparing the perks of various cards like elite status, be realistic about which ones you will and won’t use.

One of the coveted perks of premium travel credit cards is complimentary airport lounge access. Many premium travel credit cards come with Priority Pass lounge access , a membership that allows access to airport lounges across the world. These lounges are a great place to relax before your flight or have a snack during a long layover. Amenities will vary between lounges but most lounges provide wifi, private seating and refreshments. Be sure to check the priority pass guest policy as many lounges allow you to bring a complimentary guest (or guests).

TSA PreCheck and Global Entry are both expedited screening programs for travelers. TSA PreCheck is reserved for expedited security screening for domestic flights and Global Entry provides expedited customs screening for international travelers when entering the United States. 

The application fee for TSA PreCheck is up to $85 and $100 for Global Entry. If you are approved for the program, the membership is valid for 5 years. Many travel credit cards will offer statement credit for the application . 

• Awards vs cash calculator Compare the cost in points or miles to cash.
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Earn the welcome bonus

One of the best ways to maximize your travel credit cards is to earn the welcome bonus . Most travel credit cards will offer a welcome or sign-up bonus that allows cardmembers to earn points or miles that would otherwise require a very high spend. Welcome bonuses are a crucial part of a card’s value, so before you apply for your next travel card, be sure to plan for how you will meet the spending requirement. Ideally, you would align large purchases with your card opening so that you don’t need to spend frivolously to earn that lucrative welcome bonus .

Use a travel card that matches your travel style

There is a travel credit card for everyone, but not every travel card is the best fit for your wallet . Consider what type of traveler you are, whether you have any brand loyalty and what perks you are looking for from your next credit card. If you travel often and in luxury, consider premium cards like The Platinum Card® from American Express or Chase Sapphire Reserve® . These cards are loaded with tons of luxury perks like lounge access and automatic elite status . 

Alternatively, if you’re a more thrifty traveler who likes to maximize your travel earnings, consider a mid-tier travel card like the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card . These cards allow you to earn points on your travel, and while they don’t come with a long list of luxury perks, they’re much more cost-effective for a traveler on a budget .

And even beginners don’t have to veer away from travel cards, since many products out there offer an introduction to the travel rewards world without incurring an annual fee.

It’s important to consider where you’re looking to go when you book trips, as certain cards are especially useful for international travel . Plus, if you’re someone who frequents the skies (such as a digital nomad), there are certain credit cards best for long-term travelers .

Knowing what your travel style is like will help you determine what type of travel card you need.

Use loyalty programs to stack your rewards

You don’t have to limit your earnings to just travel credit cards . Many airlines and hotel chains have loyalty programs that can be used in conjunction with your travel card to unlock added perks when doing business with a specific brand. In addition, many travel credit cards allow you to transfer points from your card to your eligible loyalty programs . This can open up nearly endless redemption options, including award chart sweet spots that can get you the most maximized redemptions for your points and miles.

• 1 Sign-up bonus Choosing a card with a healthy sign-up bonus will help jumpstart the possibility of unlocking elite status across different areas, including airline and hotel loyalty programs.
• 2 Annual fee Premium travel credit cards typically feature higher annual fees. Double-check that the card you choose suits your spending habits and travel needs before applying.
• 3 Bonus categories It also helps to check which bonus categories a card offers to ensure that they align with your spending, whether it’s at restaurants, at grocery stores or on streaming subscriptions.

What's your favorite travel credit card — and why?

• Using credit cards responsibly can help build your credit score
• Travel credit cards can earn cash back, points or miles on every dollar you spend.
• Travel credit cards can provide purchase, theft and fraud protection.
• Travel credit cards provide perks like travel insurance, complimentary hotel stays and more.
• Credit cards can encourage overspending.
• Carrying a balance and using your card irresponsibly can damage your credit score
• The cost of borrowing on credit cards is higher than traditional loans
• Having too many card applications can negatively affect your credit score
• Travel credit cards may be too complicated (or expensive) for those who aren’t frequent travelers.

Generally speaking, you need at least a very good credit score in order to get many popular travel credit cards. According to FICO, the scoring model used by most lenders, this is a score of at least 740. However, there’s no hard-and-fast rule, as each individual credit card issuer looks at a variety of factors in addition to your credit score when deciding whether to approve or decline your application.

Thankfully, there are a number of ways to check your credit score for free , so you can get an idea of where you stand before wasting an application (and a hard inquiry on your credit report) for a card for which you’re unlikely to qualify.

Points and miles are simply two different ways to describe the same thing: the rewards you earn on a credit card. As an example, many popular Capital One credit cards earn miles, whereas cards that participate in Chase Ultimate Rewards accrue points. There’s no appreciable difference between the two words.

This gets a little more complicated when you begin discussing cash-back credit cards. Some of these show earnings with a dollar amount, while others show cash-back rewards in points. However, here too there’s no significant difference. It’s simply how the card issuer chooses to describe the rewards you’re earning.

It depends entirely on your typical travel habits. Many popular travel credit cards feature rewards, benefits and redemption options that only come into play when you’re actually on the road. This includes perks like airport lounge access,  rental car insurance  or statement credits for certain travel purchases. Ultimately, you should look at how much value you expect to get out of a given travel card in one year. Then, compare that to the card’s annual fee to make sure you’re getting at least that much value.

It depends. Generally speaking, you should aim to use your rewards from travel credit cards for travel-related purchases – like flights or hotel rooms. However, everyone has a different version of what “value” looks like here. Some travelers are perfectly content redeeming 25,000 miles for a $250 economy flight. Others would rather save up and use 100,000 miles for a $5,000 business-class ticket. The important thing is to avoid redemptions like gift cards or merchandise, since those typically offer poor value for your points and miles.

Ultimately, it’s up to you to determine whether you want to keep cash in your pocket by using rewards for a particular purchase instead.

Many of the luxury travel cards on this list offer hundreds of dollars in annual travel statement credits. However, not all annual travel statements are created equal. While some cards feature easy redemptions, other cards feature redemptions that come with more restrictions. 

Out of the various cards that offer annual travel credits, the Chase Sapphire Reserve has the easiest redemption process for travel credits . The Chase Sapphire Reserve's travel credit covers a broad selection of charges, including flights, hotels, campgrounds and more. Additionally, the travel does not have to be booked through Chase’s travel portal, and the statement credit will automatically post when you make an eligible purchase. 

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Best travel credit cards of June 2024

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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

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Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best luxury hotel card:  Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for expedited security screening:  Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card
• What to know about travel credit cards
• Tips for choosing the best travel card

Travel credit card perks

How do credit card points and miles work.

• Expert advice on travel cards

How we assess the best travel credit cards

• Frequently asked questions
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Best starter travel card

Chase Sapphire Preferred® Card

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Regular APR

• 5x 5x on travel purchased through Chase Travel℠.
• 3x 3x on dining, select streaming services and online groceries.
• 2x 2x on all other travel purchases.
• 1x 1x on all other purchases.

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

• 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
• Zero foreign transaction fees make this an excellent choice for international travelers.
• You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
• The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

• 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
• 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

• 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

• 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Chase Sapphire Reserve®

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
• 5x Earn 5x total points on flights through Chase Travel℠.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Capital One Venture X Rewards Credit Card

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

• 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors 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. Offer Ends 7/31/2024.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best luxury hotel card

Marriott Bonvoy Brilliant® American Express® Card

• 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.

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases

• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
• Enjoy your first checked bag free on Delta flights.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

• 2X Earn 2X points on Southwest® purchases.
• 2X Earn 2X points on local transit and commuting, including rideshare.
• 2X Earn 2X points on internet, cable, and phone services; select streaming.
• 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
• 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

• You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
• Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
• Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
• It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site Earn 5x points on eligible travel, dining, and gas Earn 1x points on all other purchases

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion and Delta Sky lounge access but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here are some of the key factors that we considered:

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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• Best overall
• Most affordable
• Best no medical exam
• Best for customer service
• Best for whole life conversions
• Best for seniors
• Best for foreign nationals
• Best for military personnel
• Best for low-income parents
• How we review term life insurance

Best Term Life Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're looking for a starter life insurance policy, term life insurance may be your most affordable option. While term life insurance lacks the benefits of cash value insurance and whole life insurance , it's an affordable way to protect your family in the event of your untimely death in your prime earning years. 

Compare Term Life Insurance Policies

Because term life insurance is temporary, the standards by which a good term life insurance policy is measured is different than a whole life policy. While we look at eligibility requirements and premium rates, we also looked at policies on conversions as well as companies that cover spec ifc groups of people, such as military personnel and low-income parents.

Here are our picks for the best term life insurance policies in 2024.

Best overall: Banner

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable insurance rates for adults up to age 75, 85 for universal policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No maximum coverage on some policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High financial stability
• con icon Two crossed lines that form an 'X'. Low coverage amounts on universal policies
• con icon Two crossed lines that form an 'X'. Limited riders to customize coverage

Banner Life Insurance's OpTerm policy has affordable life insurance rates for all ages and approved health classifications. Unfortunately, shoppers with a history of severe health complications, including HIV, cancer, etc., do not qualify for Banner Life policies. Shoppers ages 20 to 75 years old may be eligible for coverage with no maximum and up to 40 years of coverage. You can also expect fast approval and may qualify for a medical exam waiver with the Banner Life OpTerm plan.

Read our Banner Life review here.

Most affordable: Protective

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Customizable term, whole, and universal life insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Life insurance options for older adults
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High customer satisfaction according to JD Power
• con icon Two crossed lines that form an 'X'. Basic terms expire at 65, and Protective Life may not offer whole or universal policies for older adults
• con icon Two crossed lines that form an 'X'. Does not offer policies for special groups

Protective Life Insurance's Class Choice Term plan has some of the most affordable rates for the best value in the life insurance market. The average life insurance cost for 35-year-old males and females (with a standard 20-year term length and a life insurance benefit of $1,000,000) is about $52 and $43 monthly, respectively.

At Protective, the same life insurance policy for a male applicant would cost $46.63 monthly. A policy for a female applicant quotes at $38.44 monthly. Both of these rates are below the industry average. So while you can find cheaper, you get the most out of your buck with Protective.

Protective's Classic Choice Term is excellent for its customizability and range of options. This plan offers $100,000 to $50 million in coverage, some of the highest life insurance benefits in the market. Additionally, you have several term options ranging from 10 to 40 years.

You may fancy Protective's a la carte of riders, including its child and disability riders. Protective also offers an income provider option endorsement, which allows you to decide how to allocate your death benefit among your beneficiaries.

Read our Protective Life review here.

Best no medical exam: Brighthouse

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable rates with term and whole life options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong company culture for knowledgeable and helpful insurance agents
• con icon Two crossed lines that form an 'X'. Limited plans that may not fit unique buyers' needs
• con icon Two crossed lines that form an 'X'. Does not offer unique plans for senior or other buyers

Brighthouse Financial's SimplySelect term offers best-in-class coverage even without undergoing a physical exam. The company also received an A rating from AM Best and a 739 rating with JD Power, according to its 2023 life insurance study.

This policy allows instant approval with some of the most affordable life insurance rates. You can get anywhere from $100,000 to $3 million in coverage with term lengths of 10, 20, or 30 years. However, higher policy limits may be subject to stricter underwriting. Also, its convertible and renewable rider options allow you to extend your coverage or convert your policy to a whole life insurance plan. See our guide to the best no medical exam insurance companies for more options to compare.

If your health isn't at its best, you might lean towards insurance requiring no medical exam , though your health status won't be ignored. No medical exam policies still ask health questions, and the company can look at past medical records. So these policies are more frequently issued with lower death benefits to young, healthy applicants. Of course, when you're working with a company like Brighthouse Financial, life insurance agents can run a preliminary application to see your chances of success. If you don't qualify for a no medical exam policy, Brighthouse Financial agents can quote other term or whole life options to fit your needs.

Best for customer service: State Farm

Bundling is standard, and agents often quote with multiple discounts.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
• con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
• con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
• con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

• Life insurance products include term and permanent life
• Ranks highly for customer satisfaction

Reliability and trustworthiness are imperative for a long-standing insurance company, and it doesn't get any better than State Farm. Included among our guides on the best life insurance and the best cheap life insurance , State Farm's life insurance earned an A++ for financial stability with AMs Best. It also received 843 out of 1,000 in 2023 for overall customer satisfaction with JD Power, landing it in the no. 1 spot for customer service among its industry competitors.

State Farm sells property and casualty products, including home, renters, and auto insurance. So, you can pair your life insurance with another insurance product to reduce your premium.

Read our State Farm Life Insurance review here.

Best for whole life conversions: Pacific Life

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers universal and term life insurance products
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online calculators to estimate your life insurance needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all states except New York
• con icon Two crossed lines that form an 'X'. No whole life policies currently available meaning fewer guarantees on permanent policies
• con icon Two crossed lines that form an 'X'. Limited riders to address unique family situations, focused mostly on locking in benefits as you age

A conversion from term to whole life insurance  allows you to extend your coverage and take advantage of those coveted cash-value benefits. Pacific Elite Term offers some of the best options if you're planning on purchasing a whole, universal, or variable life insurance plan eventually. With this term life plan, you can convert after the first ten years of term coverage. This policy also adds cash credit to your permanent policy after conversion, which may reduce the overall cost of your premium.

Keep in mind a term to whole life conversion is not guaranteed. Your insurance agent can advise when to submit an application to convert. Once you do, underwriting will assess your health and risk at the time of application (not when you originally applied for your term policy). Insurance companies will also set rates based on your current application.

With competitive rates and availability in all 50 states, Pacific Life may be your pick of the litter for policy convertibility. Additionally, Pacific Life has outstanding customer satisfaction and financial strength scores, ranking sixth place with JD Power (above the the industry average) and A+ with AM Best. Pacific Life may also allow qualifying buyers to forgo a medical exam.

Read our Pacific Life Insurance review here.

Best for seniors: Prudential

Offers aggressive financial plans.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
• con icon Two crossed lines that form an 'X'. Financial returns are limited
• con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

For seniors, getting life insurance at an affordable rate can be challenging. However, Prudential's Term Essential is an excellent option for shoppers over 60 needing short-term coverage at a competitive price.

Prudential's Term Essential allows for higher age limits than many of its competitors. As a result, underwriters may overlook minor age-related conditions. Exclusions for terminal or costly illnesses like cancer, multiple sclerosis, and HIV may still apply. The plan provides coverage as little as $100,000 up to $1 million and term lengths of 10, 15, 20, or 30 years. Additionally, this policy offers a Living Needs Benefit rider, free of charge, with all of Prudential's term life policies. This rider gives you access to a portion of your death policy if you become terminally ill, a beneficial option for senior retirees.

Not all senior applicants will qualify for a life insurance policy with Prudential Term Essential. But options may be more flexible than it would be with competitors. See our guide to the best life insurance for seniors for more information.

Read our Prudential Life Insurance review .

Best for foreign nationals: Transamerica

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of life insurance products including term, universal, foreign nationals, and more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available for foreign nationals
• con icon Two crossed lines that form an 'X'. Can only be quoted and sold by licensed Transamerica life insurance agents
• con icon Two crossed lines that form an 'X'. Life insurance not available for certain high-risk clients

Life insurance can be an invaluable tool, but it may be hard to qualify for those who don't have U.S. citizenship. As one of the oldest and largest life insurance carriers, Transamerica accommodates foreign nationals within the U.S. to offer the best coverage options.

Transamerica Trendsetter Super is a term life policy providing some of the most competitive rates. If you're 18 to 80-years-old, you can get coverage of as little as $25,000 up to $2 million. Qualifying applicants may also waive the medical exam requirement. We recommend talking to a licensed insurance agent if you are still determining if you qualify.

Read our Transamerica Life Insurance review here.

Best for military personnel: USAA

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won't cover
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers term and permanent life insurance options
• con icon Two crossed lines that form an 'X'. 2 year waiting period for full benefits on some policies
• con icon Two crossed lines that form an 'X'. May focus on death benefits only more than other companies
• con icon Two crossed lines that form an 'X'. All permanent policies are underwritten and serviced by other companies, not by USAA
• USAA offers life insurance for the military, veterans, and the public.

USAA is one of the nation's leading insurance providers, created with active military members and veterans in mind. With USAA, military members and veterans may appreciate the unique benefits of purchasing its Level Term V policy. This plan doesn't require a medical exam, but you may have to answer a health questionnaire online.

USAA's equivalent of a guaranteed insurability rider is its Life Event Option rider. For qualifying life events (like getting married or having a child), you can get up to $100,000 of coverage. While many insurance companies offer this add-on at an additional cost, USAA's Life Event Option rider is built into the policy without the extra fee. Also, if you're injured in the line of duty, USAA helps pay for your medical bills and even replaces your health coverage if you retire or leave the military.

The critical thing separating USAA from other life insurance companies is its options for active duty military members outside of SGLI (a group life policy tied to your service in the military), i.e., you lose it once you separate from the military). As a result, its death benefits may be lower compared to some competitors. But active duty military members, particularly if deployed, will not qualify for coverage at all with other life insurance providers.

Read our USAA Life Insurance review here.

Best for low-income parents: MassMutual 

A++ (Superior)

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide array of term and permanent life coverage options 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Established life insurance carrier with a strong reputation
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive insurance premiums for both permanent and term policies
• con icon Two crossed lines that form an 'X'. May not be available for seniors above age 65
• con icon Two crossed lines that form an 'X'. Policies must be purchased through an agent
• Life insurance provider offering term and permanent policies
• LifeBridge program for low-income parents and guardians
• High marks in customer satisfaction

For many families, getting life insurance isn't in the budget or may not be a financial priority. Fortunately, MassMutual created the LifeBridge program to assist low-income families with affordable coverage.

With MassMutual's LifeBridge program, qualifying parents and guardians get a free 10-year life insurance policy. In addition, this policy pays your designated beneficiary a $50,000 death benefit.

While MassMutual's term coverage through the LifeBridge program isn't as elaborate as some of the options on this list, this free plan will cover your dependent's educational expenses and sustain a good living if you pass away.

Read our MassMutual Life Insurance review here.

Why You Should Trust Us: How We Reviewed the Best Term Life Insurance

We choose our picks for the best term life products best on a company's customer satisfaction points, company offerings, financial stability ratings, and affordability.

• Customer satisfaction: We use JD Power's life insurance customer satisfaction survey to assess a company's customer service practices. Life insurance companies with ratings of more than 774 out of 1000 are considered above the industry standard.
• Company offerings: We compare each company's offerings. These include but are not limited to riders, policy flexibility, no medical exam options, and instant approvals.
• Financial stability ratings: We use AM Best, an industry-leading credit rating agency, to assess an insurance company's financial health. A company with an A++ to B+ is stable and likely to be around for years. On the other hand, anything lower than a B means a company is unstable or unable to meet its financial obligations.
• Affordability : According to our article on average life insurance rates , a reasonable monthly premium is on par with or below the average cost of life insurance, which is between $40 to $55 a month.

Check out the details of our insurance rating methodology to learn more.

What is Term Life Insurance?

Term life insurance offers temporary protection over a set amount of time, usually between 10-30 years, though you can find shorter and longer terms. Because a payout isn't guaranteed under these policies (in fact most term life insurance policies never pay out), premiums are cheaper than permanent life insurance policies. 

Term life insurance policies are great if you need coverage for a specific period in your life or you have a temporary financial obligation. For example, if you're paying off a mortgage or your child's college tuition, a term life policy will ease your loved ones financial burdens if you're no longer around to pay them off. 

Best Term Life Insurance FAQs

The best company for term life insurance will be the one that offers you the best coverage and claims experience at the best price. That said, we found that Banner Life Insurance's OpTerm policy had affordable yet comprehensive coverage for a wide range of age groups.

When selecting your death benefit amount, the rule of thumb is to select 10 times your annual income. But in general, you probably should get as much coverage as you can comfortably afford.

Yes, term life insurance will protect your family. In the unfortunate event you pass away during its active period, it will help your beneficiaries cover costs like funeral expenses and outstanding debts and can replace lost income. However, if you pass away after its expiration, your beneficiaries will not be paid.

Whole life insurance offers more comprehensive coverage and comes with cash-value benefits. By the time the policy is paid, permanent policies are frequently cheaper for the benefit you get. That said, affordable term life insurance is more immediately available.

If you outlive your term life insurance, your coverage will expire, and you or your beneficiaries won't receive a payout. The funds will simply go into the company's profits. However, if you purchased a return of premium rider, you may get your money back at the end of your policy.

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