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Guide on How To Use United’s TravelBank

by The Frugal Tourist | Jan 6, 2024 | American Express , Travel , United | 22 comments

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In this blog post, I will walk you through the steps on how to fund and use United’s TravelBank.

Since some credit cards provide travel credits that expire within a year, depositing money in United’s TravelBank is a viable option to utilize those credits so they won’t go to waste.

Funds diverted into United’s TravelBank have a 5-year lifespan, offering some level of longevity and a lot of flexibility, especially since travel is not expected to pick up again anytime soon.

Whether you have plans this year or in the near future, funding your United TravelBank with free cash from your credit cards is a wallet-friendly strategy that can potentially save you a few hundred dollars when the time comes that you need to book your next flight.

United TravelBank 

According to United, your TravelBank funds can either be used alone or in combination with select forms of payment only when booking United or United Express flights .

Therefore, we are unable to use United TravelBank to purchase flight itineraries that include segments on partner airlines such as Air Canada, Lufthansa, etc.

I was also unsuccessful in tapping my TravelBank reserves to pay for taxes when booking an award ticket or paying additional fees to cover the airfare difference when redeeming a voucher or rebooking a travel credit.

However, I did not encounter any roadblocks when I booked paid United tickets, even if the airfare was Basic Economy .

Terms and Conditions   

The information below was taken from United.com

• Passengers can select from six purchase amount options, and once purchased, the value remains valid for five years from the date it is deposited in your TravelBank account. 
• Purchases are not refundable and are limited to $5,000 per day per MileagePlus account.
• This purchase is also subject to all of the TravelBank terms and conditions . 
• United has the right to terminate this promotion or to change the promotion’s terms and conditions, rules, regulations, policies and procedures, benefits, and/or conditions of participation, in whole or in part, at any time, with or without notice.

Guide on How to Fund United’s TravelBank

Access United TravelBank by clicking the button below. You will need to log in to your United Mileage Plus Account to purchase. 

Do not have a United membership yet? 

It is free and easy to register. Click the button below to enroll in United’s Mileage Plus Program.

After logging in, you will see your United Mileage Account, any United miles you have available for redemption, and your TravelBank Cash Balance. 

Plus Points – a points system that passengers can utilize to upgrade their flights – will also show up, but we will not go over that in this post. You can read more about this program here.  

Select the amount of travel cash you want to purchase.

As previously stated, there are six possible amounts that you can elect to deposit to your TravelBank.

The next page will ask for you to type in your Payment Information.

In this case, you would want to use a credit card that provides an Airline Credit.

I will list these credit cards in one of the sections below.

You will then get confirmation that your purchase was successful. A receipt will be emailed immediately after as well.

In this example, I used my The Business Platinum Card® from American Express to buy $100 worth of travel cash in United’s TravelBank.

Guide on How to Use Your United Travel Bank Cash

Thankfully, we are generously given five years to spend our travel cash. 

Once you are ready to book your flight, log back on to your United.com profile and enter your travel details.

United TravelBank purchased using certain IHG Credit Cards has a shorter lifespan. Please check the terms of your IHG Credit Cards for the most current UnitedTravel Bank policy.

Select your particular flight, verify your personal information, and pick your seat.

Afterward, you will be directed to the Payment Page. 

Next, United will offer you travel insurance (select yes/no), priority boarding, and miles for purchase.

Regardless of whether you decide or decline to purchase these additional bells and whistles, the payment section comes right after.

You have the following payment options:

• Pay In Full
• Pay Monthly 
• Travel Certificates and United TravelBank Cash (if this option does not appear, then the ticket you’re buying is not a permitted purchase using travel cash.)
• Other Forms of Payments (PayPal, etc)
• Debit / Credit Card 

Select “Travel Certificates and United TravelBank Cash.” 

As you can see, my $100 travel bank deposit is already reflected in my account.

Next, enter the amount you want to use for the flight you wish to book.

It is not necessary to spend your entire stash of United travel cash if you have other plans to spend it later.

Once you have a final amount in mind, click apply.

In this example, I decided to spend $75 of the $100 currently in my United TravelBank.

After your travel cash is deducted, the total amount you still owe will automatically be calculated.

Continue with your purchase by selecting the mode of payment you want to use for the remaining balance.  

I highly recommend paying a portion of the flight with a credit card that offers travel protections, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®.  

Alternatively, you can purchase travel insurance to cover your entire trip. 

Where Do I Find My TravelBank Account?

United has recently updated its website. You can find your United TravelBank account information and balance by navigating to your United Wallet on the app and the computer.

Troubleshooting Potential Issues

Issue 1: united travelbank does not show up.

A few readers have expressed that they are having difficulty locating the TravelBank option on United’s website.

It appears that United’s site is currently updating its payment page. When you see the notice below under “Payment Method, ” click the “find those payment options…” link.

This link will direct you to the “United Travel Options” section, where you can add travel insurance to your purchase. Make your selection.

Afterward, you will be directed to “Payment Information,” where the TravelBank option appears.

Click “Travel Certificates and United TravelBank Cash” and select Travel Cash as your mode of payment.

Type the amount you would like to spend.

As suggested, charge a small portion of your airfare on a credit card that provides travel insurance, like the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®.

You may also elect to purchase travel insurance for additional coverage.

Issue 2: United TravelBank Keeps On Freezing

While booking a plane ticket to Cabo costing $167.78 recently, I found the United website struggling to process my TravelBank payment, ultimately freezing the payment page.

After attempting various troubleshooting strategies, I eventually made it work by typing a whole number into the TravelBank box.

In this case, I redeemed $165 of my TravelBank credits towards the purchase of this ticket and used a credit card that gives travel protections ( Chase Sapphire Reserve® ) to cover the remaining amount ($2.78).

Issue 3: TravelBank is Unable to Add a New Credit Card (Payment Error)

United.com can only save a certain number of credit cards on your profile.

If the website is not allowing you to add another credit card to your United TravelBank account, you will need to log in to your main United.com account, go to “Wallet,” remove the credit cards that you no longer use, and then add the ones you would like saved.

Once your new credit card is linked, note the last four digits of your card and its expiration date so you can easily find it on your list of saved cards when you try to purchase United TravelBank funds again.

Issue 4: Unable to Purchase

As mentioned above, your United TravelBank funds can either be used alone or in combination with select forms of payment when booking United or United Express flights only.

When Do United TravelBank Funds Expire?

As of this update, TravelBank funds appear to expire after five years.

The screenshot below, captured from my TravelBank account, supports this assertion.

While the money deposited in our United TravelBank accounts has a 5-year validity, it can be forfeited if no activity is recorded in our TravelBank accounts for 18 consecutive months.

Therefore, ensure that you either add money to your TravelBank or use your TravelBank funds to purchase tickets at least once every 18 months.

Heads Up: United also stipulated that any re-deposited funds originating from canceled tickets purchased with TravelBank money do not qualify as an eligible activity. In short, any re-deposited funds will NOT reset the expiration date.

United may also change the expiration date of subsequent deposits or discontinue the program altogether. Only time will tell.

For now, this option to convert our credit card airline credits to some form of flexible currency is available, so certainly consider this method if you are running out of ways to redeem your expiring credits.

Which Credit Cards to Use?

You should only purchase TravelBank funds when you anticipate no other eligible travel-related purchases for the remainder of the year.

Chase Credit Cards

Chase sapphire reserve® (csr).

The Chase Sapphire Reserve (CSR) comes with a $300 travel credit that resets every year on the card member’s anniversary date and does not roll over onto the following year; therefore, you either use it or lose it.

I do not recommend using your CSR travel credits to purchase funds on United’s TravelBank, given that Chase provides an extensive array of valuable avenues to redeem this credit. 

In addition to the traditional airfare purchase, you can also trigger the travel credit when paying for public transit, ride-sharing services, parking, hotels, campgrounds, cruises, etc. 

Citi Credit Cards

Citi prestige® credit card.

This card is no longer available to new applicants.

This credit card comes with a $250 travel credit, which can now be conveniently spent on groceries, restaurants, and take-out.

Like the Chase Sapphire Reserve, this credit resets every calendar year and likewise does not roll over.

I do not suggest using your Citi Prestige travel credits to purchase United TravelBank funds because of other beneficial spending options you have at your disposal.

American Express   Credit Cards

American express® credit cards with airline fee credits.

• The Platinum Card® from American Express ($200 Annual Airline Credit)

• The Business Platinum Card® from American Express ($200 Annual Airline Credit)

• Hilton Honors American Express Aspire Card ($50 Quarterly Airline Credit)

American Express’s airline fee credit is challenging to redeem compared to Chase’s and Citi’s more flexible identical offerings.

In the past several years, consumers consistently find themselves jumping through hoops in search of effective methods to capitalize on these generous offers. 

First and foremost, Chase and Citi do not require activation – their credits apply to all airlines and other forms of travel.

Whereas Amex’s airline fee credit will not work unless you activate it.

Plus, it can only be used on one airline you pre-select, ideally at the beginning of the year.

Even though there are data points (DP) that Amex has been lenient in allowing the preferred airline to be changed via chat as of late, there is no way to predict until when they will allow this.

AMEX Airline Fee Credit Restrictions

AMEX has strict restrictions on what fees qualify under this credit. 

Technically, only incidental purchases, such as seat assignments, baggage fees, change fees, lounge access fees, and food/beverage inflight purchases, are eligible. 

As such, traditional expenses such as award fees, plane tickets, upgrades, and gift cards do not qualify.

But occasionally, we see additional methods that temporarily open up that trigger this airline fee credit – and for now, United TravelBank is one of them. 

While no language explicitly states this particular purchase will not qualify, I have to underscore that Amex can undoubtedly claw back this credit at any moment if they deem that TravelBank is not eligible. So, just be aware of that possibility. 

Hence, please utilize this tactic only if you do not anticipate using your airline fee credit throughout the rest of the year.  

Steps in Selecting Your Airline With Amex  

Before you go ahead with your purchase, follow the steps below on selecting your preferred airline, as AMEX does not make it simple to locate where to activate this benefit.

To optimize this TravelBank strategy, make sure that the airline you selected is United. 

Go to AmericanExpress.com, then log in to your account.

Select the particular AMEX credit card that currently offers an airline fee credit.

• The Platinum Card® from American Express
• The Business Platinum Card® from American Express
• Hilton Honors American Express Aspire Card

On the main page, click “More, ” then select “ Benefits .”

On the Benefits page, scroll down to locate “ Airline Fee Credit. ” 

This is where you can also change your selected airline for the year. 

It bears repeating that you’re technically not allowed to change your preferred airline mid-year, so choose wisely.

With that said, there are data points from people reporting that they have successfully modified their airline choice by contacting AMEX through chat, but this is YMMV (your mileage might vary).

As of this writing, you can use your airline fee credit with the following U.S. carriers:

While on the Benefits page, enroll in all the offers available to you even if you are not sure you will use them. 

It is practically money you had already paid for when you paid your annual fee, so you might as well take advantage of it.

At any rate, maximizing this airline fee credit is a fantastic way to offset the steep annual fees Amex charges on their ultra-premium cards.

Add funds to your travel credit using your AMEX card.

If you are unsure how much airline credit you have left, AMEX generates a tracker under this benefit to display your remaining funds.

Periodically check your Amex credit card to see if the airline fee credit was successfully triggered.

If not, Amex has likely terminated this redemption method. 

Final Thoughts

Indeed, United’s TravelBank is a wonderful addition to the dwindling menu of possible purchases that can activate Amex’s elusive airline credit.

Being fully aware that this method is temporary, I try to take advantage of it while it’s still possible, especially when I am on the verge of running out of redemption alternatives for my Amex airline fee credit.

I hope that Amex follows Chase’s and Citi’s lead and relaxes this benefit, making it much easier to redeem in the future.

Until then, we will have to adjust to American Express’ policies.

Ultimately, I am glad that United’s TravelBank provides us with another fantastic alternative for using our travel credits.

Not only does it prolong the shelf-life of our funds, but it also affords us the flexibility we genuinely need. 

EDITORIAL DISCLOSURE – Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. The content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post.

Related posts:

22 comments.

Bank of America Premium card also include benefits of $100 incidental travel credits, can I use it to purchase United Travel Bank fund too?

Hi Angie, I am not familiar with Bank of America rules but upon checking what qualifies under “incidental”, I got the following info: Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees – automatically applied to your card statement.

It seems to me that this is similar to Amex. I would suggest purchasing the lowest allowed denomination of $50 to see if it would trigger it but if you have anticipated travel in the near future, I suggest redeeming the credits there instead.

Hi, I booked the ticket and when I entered the payment page, there is no Travel Bank part, I got 200+ dollars in travel bank and cannot seem to use it. Why is this? I can only see “Travel certificates” instead of “Travel certificates and United Travel Bank Cash”. What should i do?

Hi Tristan, thanks for asking. Sorry about that. Not all purchases in United.com are eligible. I wonder if the ticket you are purchasing includes a partner airline. From the Terms and Conditions: “TravelBank Cash is valid for air travel purchases on United and United Express® flights and as otherwise permitted by United. After a TravelBank Award is issued, a service charge may be imposed for each change or cancellation requested by the Member.”

I have encountered this exact problem and I am definitely booking a United airline airfare (from LAX – EWR): any more update on this?

HI Cindy, I had updated the post with hopefully a potential solution to your problem. Jump to the section “What to do? United Travel Bank Does Not Show Up”. I tried your route (LAX-EWR) and the steps I outlined worked in making Travel bank re-appear! Good luck and please let me know if it worked for you too!

Thank you for this post and the very detailed instructions!!! Really helpful as I’ll be using this as long as we can get that $200 credit from Amex Plat!

Thank you Tony for the kind feedback. I am glad you found it useful. Please feel free to ask questions anytime.

Great information, thank you!

Thank you so much!

Its unfortunate you can’t use your Travel Bank just to upgrade your seat. Or pay for the bundles upon checkout

I am sorry! Sadly, it is just not as flexible 🙁 But United might make some changes in the future that will allow us to use it for incidentals.

Newbie to United Travel Funds.

Is it possible to use it for booking a ticket for anyone else, any restrictions?

You can book it for anyone else. When they cancel though, the travel credits will be under their account.

This article saved me 30mins! I was typing a non-whole number to use my United Travel Bank and it would NOT take it. Apparently, it needs to be a WHOLE NUMBER. Thanks for the tip!

Glad you found it useful!

Can you combine miles and a travel bank balance? I have 33k miles I need to use and $600 in travel bank credits.

Unfortunately, you can not mix miles and travel bank balance. I’d use the travel bank first if you find cheap tickets as those expire. United miles do not expire.

Hi, how long does the Amex Airline Credit usually take? It’s been a week now and my credits have not shown up yet.

HI Kunal. It’s been about 10 days, on average, for me.

I wanted to add that you Travel Bank does not come up as an option to pay if your flight involves a leg operated by a partner airline (eg. Swiss Air).

I called United to see if they could book the ticket but it errored out for the representative and he gave me that as the reason.

This might be helpful to incorporate in your article.

HI Stephanie, thank you for sharing. That’s correct. Apologies that it was not clear in the article. Yes, it is sadly for United and United Express flights only. I highlighted that part of the article and added additional language under Troubleshooting so it’s much clearer. Thanks so much again for the feedback and Safe travels!

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[Update] United TravelBank Is Back

Update 1/14/22: From reader Kyle: For those experiencing issues with payment not going through, add the card to your united account as a payment method and then use the saved payment card to pay for the travel bank purchase. That work around is working at the moment.

Update 1/8/22: Travel credits now posting as well.

The United Airlines TravelBank feature was down for a few days, but has now returned.

United TravelBank link

Lots of people like using their AmEx incidental airline credit to load their United TravelBank account with funds which can be used for the next 5 years. Anecdotally, these purchases have worked to trigger the airline credit; hopefully that lasts.

Just be sure to select United as your Amex airline option first. Also be sure not to leave the TravelBank account dormant for more than 18 months . (Update: some speculate that the 18-month dormancy does not apply to the newer TravelBank loads. Regardless, if you load your TravelBank once every 18 months, or you use up some of your TravelBank balance within the 18 months, that resets your 18-month clock.)

Hat tip to FM and to reader Mike

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Amex Platinum 5/23 – Two $100 TravelBank purchases 5/26- Two $100 credits to Amex account

Anymore data points on this? Want to make sure United Travel Cash is still working in 2024.

This is working fine. Added $100 to United travel-bank on 01-01-2024 using my Amex Plat. Reimbursed today.

DP: it’s still working. Credit took a few days to post.

It also was not working for me yesterday (stuck at “Verifying your offer” page) but working today. Successfully loaded 2x $100.

Purchased on May 2nd 5/2 – One $100 TravelBank Purchase no credit as of 5-10 🙁

If that doesn’t happen, will you really MBytes it? 😂

Update Still works as of May 12 5/2 – One $100 TravelBank purchases 5/12- One $100 credits to Amex account

Still works as of April 24 4/24 – Two $100 TravelBank purchases 4/30- Two $100 credits to Amex account

Still working on 4/19/23. Yay!

Still works as of April 3.

4/3 – Two $100 TravelBank purchases 4/9 – Two $100 credits to Amex account

Sadly it no longer works as of 03/27…

The most recent post in the thread at Flyer Talk indicates that it’s still working: https://www.flyertalk.com/forum/american-express-membership-rewards/2106210-airline-fee-250-200-reimbursement-reports-ua-only-2023-a-24.html?ispreloading=1

How to pick the right travel credit card for you

Editor's Note

So you've decided to get a travel credit card — congratulations. Now comes the hard part: finding the card that makes the most sense for your wallet.

With so many options on the market, it can be difficult to pick out what kind of credit card will offer you the most value based on your lifestyle and spending habits. To help you make the decision that's best for you, follow these four simple steps.

Decide between a cobranded or general travel rewards card

First and foremost, you'll want to consider the type of travel card you want and the type of rewards you wish to earn. There are two main categories to consider here: cobranded travel credit cards and general travel rewards credit cards.

Cobranded travel credit cards are affiliated with a particular airline or hotel and often come with brand-specific travel benefits. For airline cards , that means perks like free checked bags, priority boarding and inflight discounts. Hotel cards may include annual hotel credits or automatic hotel elite status.

Since cobranded cards help you earn rewards within a specific travel program, they're best suited for frequent travelers loyal to a particular brand, like United Airlines or Marriott.

General travel rewards credit cards allow you to earn rewards within a credit card rewards program with various redemption options. With a general travel card, you might be able to transfer your rewards to multiple airline and hotel loyalty programs or use them to book travel through your card issuer's travel portal. You may also be able to redeem your rewards for statement credits, gift cards and select merchandise.

General travel credit cards are typically better for those who want flexibility in their rewards without being tied to a specific airline or hotel brand.

Related: Why all travelers should earn transferable rewards

Find a valuable welcome offer

Next, you'll want to identify a card with a hefty — yet achievable — welcome offer, which can sometimes single-handedly justify your ownership of the card for years on end.

Take stock of your ability to meet the minimum spending requirements on a given offer. For example, the popular Chase Sapphire Preferred® Card 's typical welcome offer is 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Spending $4,000 in three months isn't a terribly high bar to clear, but make sure you can meet that spending level if you're considering getting the card.

Rewards cards with higher welcome offers typically come with higher minimum spending requirements. You'll also want to keep an eye on card offer histories and potentially take advantage of any elevated welcome offers on cards you're interested in.

Related: The best welcome offers this month

Maximize bonus categories

If you've found a card with a nice sign-up bonus, be sure that it has bonus categories conducive to your spending habits so that you can take advantage of them as much as possible.

If you spend a lot in a given category, like restaurants, groceries or travel , find a card that earns multiple points or miles per dollar when you spend at those places. Predictably, most travel cards also offer bonus rewards when you spend on travel, with Marriott Bonvoy cards offering bonus rewards at Marriott properties, for example, or more general Chase cards offering bonuses when you book travel through Chase Travel℠ .

Welcome offers and bonus categories will make up a major chunk of how you earn rewards, so choose wisely.

Justify the annual fee

Lastly, we recommend only considering the cards with perks that will make a difference to you, with benefits that will help you justify an annual fee (if the card has one) and that you can derive value from the next time you book a trip.

For example, premium offerings like The Platinum Card® from American Express offer lavish perks that are seemingly never-ending. The Amex Platinum has well over $1,400 worth of benefits and statement credits, mostly to offset its $695 annual fee (see rates and fees ), but if you can't take advantage of those perks and find yourself paying almost $700 for benefits you aren't taking advantage of, the card won't be worth it.

There are plenty of cards with no annual fee , which is a good place to start. That said, most annual fees on cards are justifiable and can be more than offset if you use the card and its perks wisely.

Related: The complete guide to credit card annual fees

Bottom line

With so many cards on the market, we know it can be difficult to find the one that's right for you, especially if you're new to the world of points and miles . Our advice is to go for a general travel rewards card if you are a free agent or a specific airline or hotel card if you are loyal to a particular brand. Follow the simple steps in this guide to help narrow your options, and keep it locked on TPG for more advice on finding the right card to help fund your next big trip.

Related: Best travel cards of 2024

For rates and fees of the Amex Platinum, click here .

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United℠ TravelBank Card

*The information about the United℠ TravelBank Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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.

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Intro offer

$150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.*

Offer valuation

Offer valuation is not available for this credit card.

Rewards rate

Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.*. Earn 1.5% in TravelBank cash per $1 spent on all other purchases.*.

15.99% to 22.99% Variable

Regular APR

On This Page

• Current offer details

Who should get this card

Fees and apr, extras, perks and using rewards.

The information about the United SM Explorer Card has been collected independently by Bankrate.com and has not been reviewed or provided by the card issuer.

Editor’s Note: This offer may no longer be available.

United TravelBank Card overview

The newest Chase and United credit card partnership, launched in September 2017, is its most bare-bones offering yet. The United TravelBank Card has no annual fee but none of the perks that typically come with an airline rewards card .

This is fine for infrequent travelers looking to earn a few rewards, but probably not worth it to others.

A deeper look into the current card offer

Quick highlights.

• Rewards rate : Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.* Earn 1.5% in TravelBank cash per $1 spent on all other purchases.*
• Annual fee : $0
• Intro offer : $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.*
• Regular APR : 15.99% to 22.99% (variable)

The fifth in a line of Chase and United co-branded cards, the United TravelBank Card pays rewards in the form of TravelBank cash, which can be redeemed toward flight purchases or airline incidentals. It’s also the first no-fee United credit card.

The card pays a respectable 2% in TravelBank cash when you purchase United tickets and 1.5% TravelBank cash for all other purchases. It also offers a 25% rebate as a statement credit on your card when you use it to buy food or beverages on board a United-operated flight.

Chase and United also are offering a new cardholder bonus of $150 in TravelBack cash after you make $1,000 in purchases during your first three months.

For someone who flies a few times a year and prefers to do so on United, this card could be an OK way to save money on travel expenses.

To earn enough TravelBank cash for a free round-trip flight (the average cost of a domestic round-trip flight is $351.85, according to the U.S. Department of Transportation), you’d have to spend about $18,000 on United flights or $24,000 on non-United purchases. You may ultimately find more value using a different credit card.

In exchange for not paying an annual fee, you’re also giving up the perks that come with other United co-branded airline cards, like a free checked bag on each trip, United Club passes, priority boarding and bigger sign-up bonuses. Ultimately, the lack of perks is what cost this card points in our eyes.

The card does come with Visa Signature benefits, which include discounts and upgrades at hotels in the Luxury Hotel & Resort Collection.

If you fly regularly on United, you’ll likely be better off with the United Explorer Card, which has a $95 annual fee (waived the first year). This includes a free first checked bag for you and a companion on your reservation, which could save up to $160 per round trip, plus priority boarding. You’ll also receive two United Club passes on your card anniversary. The earnings rate is similar to the TravelBank Card, so if you fly at least once a year with a companion and checked luggage on a round-trip United flight, the United Explorer is the better choice.

This card could be a good choice for someone who likes flying United, wants to earn rewards toward free flights but doesn’t want to pay an annual fee.

• There’s no annual or foreign transaction fees with this card.
• You’ll pay a variable APR of 16.99% to 23.99% based on creditworthiness.
• Late payments won’t affect your APR, but there is a late fee of up to $37 if you miss a payments or make a late one.

Cardholders get a 25% rebate of their food and beverage purchases made onboard a United flight.

This card is a Visa Signature card so it comes with discounts and upgrades at hotels that are part of The Luxury Hotel & Resort Collection. It provides some auto and travel insurance, including roadside dispatch and lost luggage reimbursement.

TravelBank cash can be redeemed on the United website by logging into your Mileage Plus account. There’s no minimum amount required to redeem and you can use your TravelBank cash for full or partial payment of airline tickets.

* 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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United TravelBank Card: Closed to Applications, Replaced by United Gateway

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

The card was suited to those who didn't travel much, but who flew United when they did travel. But it did not offer flexibility or traditional airline-card perks.

Rewards rate

Bonus offer

$150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.

Ongoing APR

APR: 15.99%-22.99% Variable APR

Cash Advance APR: 24.99%, Variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

• Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.
• Earn 1.5% in TravelBank cash per $1 spent on all other purchases
• No foreign transaction fees
• Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United®-operated flights when you pay with your United TravelBank Card.
• TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
• Your TravelBank cash accumulates in your United TravelBank account on United.com.
• $0 Annual fee

High rewards rate

No annual fee

No foreign transaction fee

» This card is no longer available.

The United℠ TravelBank Card is no longer accepting applications. United Airlines and Chase have introduced a new credit card with no annual fee, the United Gateway℠ Card , which effectively takes the place of the TravelBank Card. Read our review of the United Gateway℠ Card , or explore other United Airlines credit card options . Below is our review of the United℠ TravelBank Card from when the card was still on the market.

If you fly United Airlines, the United℠ TravelBank Card might be tempting because of its annual fee of $0 . But it ultimately might not be worthwhile for most United flyers because of all that it lacks as an airline card.

The card has its own rewards currency that you can use to book free United flights. And its rewards rate is decent for both United spending and all other spending. It’s kind of like a cash-back card, where you can spend the cash only at United.

But you won't get free checked bags or early boarding like you do with many airline cards. And you won’t earn United MileagePlus miles, the airline’s frequent-flyer miles that have a chance at returning huge value.

If you want a card like this one, just get a true cash-back card . Then, you can spend your cash rewards on anything, not just United flights. Otherwise, ante up for a United card with an annual fee that comes with useful airline perks. There’s a good option in the United℠ Explorer Card .

» MORE: How to choose an airline credit card

United℠ TravelBank Card : Basics

Card type: Airline .

Annual fee: $0 .

2% in TravelBank cash per $1 spent on tickets purchased from United.

1.5% in TravelBank cash per $1 spent on all other purchases.

Sign-up bonus: $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.

Foreign transaction fee: None.

Interest rate: The ongoing APR is 15.99%-22.99% Variable APR .

Noteworthy perks:

25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights when you pay with your card.

No foreign transaction fees.

Trip cancellation/interruption insurance.

Rental car insurance.

Purchase protection.

» MORE: Benefits of United Airlines credit cards

Simple rewards earning

With a typical airline card, you earn frequent flyer miles or points with every purchase. You then redeem those rewards for free flights or seat upgrades. But frequent flyer programs can be exceedingly complicated. The number of miles you’ll need for a particular flight depends on an array of factors. On top of that, the flight you want might not have award seats available. And your preferred travel dates might be “blacked out” — that is, reserved for paying customers.

The United℠ TravelBank Card eliminates the whole idea of miles. Instead, you earn “TravelBank cash,” which is redeemable for travel with United on a simple dollar-for-dollar basis.

The card earns 2% back on United purchases and 1.5% back on everything else. A $500 United flight, for example, would earn $10 in TravelBank cash. A $500 purchase elsewhere would earn $7.50.

Simple rewards redemption

When booking a flight with United, you can pay some or all of the fare with your accumulated TravelBank cash rewards. Consider a ticket that costs $400. If you had at least $400 in TravelBank cash, you could use it to pay the entire fare. If you had only $50 in rewards accumulated, you could apply it to the fare and reduce the cost to $350.

Some travel credit cards have annual fees measured in hundreds of dollars, while the typical airline card often charges a fee of close to $100 per year. This card has an annual fee of $0 .

Sign-up bonus

For a simple credit card with an annual fee of $0 , it’s a pleasant surprise to have a sign-up bonus: $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.

» MORE: NerdWallet's best airline cards

The United℠ TravelBank Card is light on flash compared with most travel cards, but it comes with minor perks:

In-flight discount: 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights when you pay with the card.

No foreign transaction fees: Travel cards generally don’t charge a fee — 3% is common — for making purchases abroad. This United card doesn’t, either. And it uses the Visa network, which is widely accepted abroad.

Travel-related insurances: Trip cancellation/interruption insurance and secondary rental car insurance are nice-to-haves on an airline card.

Purchase protection: Covers new purchases made with the card for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

How it compares with other United cards

The United℠ TravelBank Card is one of three co-branded consumer United Airlines credit cards. Its siblings pack more perks.

Here’s how they compare on key features:

Business owners, even those with side gigs, might consider the United℠ Business Card .

» MORE: Full review of the United℠ Business Card

No checked bags or early boarding

At $35 per bag each way when you don't prepay, fees for first checked bags add up in a hurry, especially when you’re traveling with others on your itinerary. That’s why typical airline cards are so valuable. But this card has no checked-bag-fee waivers, so you’ll have to pay. And you won’t get boosted toward the front of the boarding line, because the card lacks a priority boarding perk. That could hurt you when looking for overhead bin space.

» MORE: Airline credit cards that offer free checked bags

The logical solution is the United℠ Explorer Card . It offers:

2 MileagePlus miles per dollar spent on purchases from United.

2 miles per dollar spent on restaurant purchases and hotel stays.

1 mile per dollar spent on all other purchases.

First checked bag free for you and a companion on your reservation, if you use the card to purchase your ticket.

Two United Club one-time use passes per year.

Global Entry/TSA Precheck statement credit every four years.

25% off in-flight purchases.

Sign-up bonus: Limited-time offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

It has an annual fee of $0 intro for the first year, then $95 .

» MORE: Full review of the United℠ Explorer Card

You won’t earn United MileagePlus miles with this card. That keeps things simple, but you also lose the potential to reap outsize value by scoring a great awards seat — like a business-class international fare worth thousands of dollars — for relatively little spending.

Fewer benefits

Some airline cards give you perks at the airport. They might reimburse you the application cost of Global Entry or TSA Precheck to get through security lines quicker, or get you free or discounted passes to an airport lounge.

This card offers none of those.

» MORE: Cards that offer airport lounge access

Limited reward redemptions

Redeeming rewards is relatively simple, but you’re still locked into United Airlines. That's limiting compared with general travel credit cards , which allow you to apply rewards to a wide range of travel-related expenses.

An option for those looking to avoid an annual fee is the Bank of America® Travel Rewards credit card .

1.5 points per dollar spent.

3 points per dollar spent on eligible travel booked through the Bank of America® Travel Center.

A value of 1 cent per point when redeemed for travel credit and a little over half a cent per point for cash.

A sign-up bonus.

The Bank of America® Travel Rewards credit card isn't tied to an airline or hotel chain. Book travel any way you want, with no restrictions and no blackout dates, and then use points to wipe out the cost on your statement. Bank of America® also has one of the broadest definitions of "travel" of any major issuers. You can use points to get credit for airfare, hotel stays, cruises, car rentals, campgrounds, art galleries, amusement parks, carnivals, circuses, aquariums and zoos.

» MORE: Full review of the Bank of America® Travel Rewards credit card

The United℠ TravelBank Card offers a simpler way to earn free flights on United Airlines for casual flyers committed to that airline. But honestly, you’re better off with a cash-back credit card .

If you spread your flying among a number of carriers or want more flexibility, consider a general travel credit card . United loyalists are likely to get more value from the United℠ Explorer Card .

Information related to the United℠ TravelBank Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

This card earns bonus rewards in multiple categories, including dining and travel. You can transfer points on a 1:1 basis to about a dozen hotel and airline programs, including United, or you can use them to book travel through Chase at 1.25 cents per point. However, you won't get any airline-specific perks. Annual fee: $95 .

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

About the author

Gregory Karp

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Allianz TRAVEL INSURANCE

Allianz-Slovenská poisťovňa Short-Term Travel Insurance

From 16 July 2021, COVID-19 is covered under insurance for medical costs in connection with Travel Insurance with the card from Allianz – Slovenská pojišťovna! More information is available   HERE .

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• Best Travel Credit Cards With No Annual Fee

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• Key takeaways

Our top picks for the best no-annual-fee travel credit cards

Comparing the best travel credit cards with no annual fee, more info on our top picks for no-annual-fee travel credit cards: editorial reviews, what is a travel credit card with no annual fee, who should get a no-annual-fee travel credit card, pros and cons of travel credit cards with no annual fee, how to choose the best travel credit card with no annual fee, how to apply for a travel credit card with no annual fee  , are no-annual-fee travel credit cards worth it, faqs: best travel credit cards with no annual fee.

Best Travel Credit Cards With No Annual Fee for 2024

• Travel credit cards make it easy to earn points, miles or cash back on your most common travel expenses.
• Several travel credit cards have no annual fees, making them even more valuable.
• Our top picks for the best no-annual-fee travel credit cards include the Capital One VentureOne Rewards Credit Card , Delta SkyMiles® Blue American Express Card , Hilton Honors American Express Card , and Chase Freedom Unlimited® among others.
• A travel credit card with no annual fee may not be a great fit for your needs if you only travel once or twice a year.
• Cards with no annual fees may have foreign transaction fees, so check the terms of each card carefully if you plan to travel internationally.

Travel credit cards help you earn free hotel stays, airline discounts and other valuable benefits. Add in no annual fee on top of this and you can maximize the value of your travel credit card and enjoy even more benefits on your next vacation. 

Before you apply for a travel card with no annual fee, it’s important to compare your options. To make the process easier, we reviewed seven no-annual-fee travel credit cards to determine which ones pack the biggest punch in terms of interest rates, fees and other considerations.

Join us as we look at the best travel credit card with no annual fee based on the following criteria:

• Earning rates on popular travel categories
• Status matching with hotel and airline loyalty programs
• Reward redemption methods

Our top picks for the best travel credit cards with no annual fee

• Capital One VentureOne Rewards Credit Card: Best for simple rewards
• Delta SkyMiles® Blue American Express Card: Best for Delta SkyMiles® loyalists
• Hilton Honors American Express Card: Best for loyal Hilton customers
• IHG One Rewards Traveler Credit Card: Best for loyal IHG customers
• Chase Freedom Unlimited®: Best for extra benefits
• Blue Cash Everyday® Card from American Express: Best for road trips in the U.S.
• United Gateway℠ Card: Best for United Airlines loyalists

Best for simple rewards

Capital one ventureone rewards credit card.

Earn unlimited 1.25X miles on all purchases and 5X miles on hotels and rental cars booked through Capital One Travel.

Card Details

More card info

• 0% intro APR on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable APR.
• Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• No annual fee
• Intro APR offer
• Low spending requirement for welcome offer
• Good or excellent credit recommended
• Few travel perks

Best for Delta SkyMiles® loyalists

Delta skymiles® blue american express card.

Earn 2X miles on Delta purchases, 2X miles at restaurants (including takeout and delivery in the U.S.), and 1X miles on all other eligible purchases.

• Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
• No Foreign Transaction Fees.
• Terms Apply.
• 20% in-flight savings
• Easy-to-earn welcome bonus
• Low earning rate
• No free checked bags
• No priority boarding

Best for loyal Hilton customers

Hilton honors american express card.

Earn 7X Hilton Honors Points on eligible Hilton purchases, 5X points on eligible U.S. restaurant, U.S. supermarket, and U.S. gas station purchases, and 3X on all other eligible purchases.

• 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.
• Automatic Hilton Silver status
• 20% bonus points on eligible stays
• Low point redemption value
• Need good or excellent credit to qualify
• Fewer perks than some travel cards

Best for loyal IHG customers

Ihg one rewards traveler credit card.

Earn up to 17x total points per $1 spent when you stay at IHG Hotels & Resorts, 3x points on purchases on monthly bills, at gas stations, and restaurants, and 2x points on all other purchases.

Best for extra benefits

Chase freedom unlimited®.

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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 1.5% cash back on all other purchases.

Best for road trips in the U.S.

Blue cash everyday® card from american express.

Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% cash back on up to $6,000/year at U.S. gas stations (then 1%), 3% cash back on up to $6,000/year on online retail purchases (then 1%), and 1% cash back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

• 0% intro APR on purchases and balance transfers for 15 months after account opening, then 19.24% to 29.99% variable APR.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• 0% APR on eligible purchases for 15 months
• Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping
• Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
• 2.7% foreign transaction fee
• Low rewards rate outside of bonus categories

Best for United Airlines loyalists

United gateway℠ card.

Earn 2X miles on United purchases, at gas stations and on local transit and commuting. Earn 1X miles on all other purchases.

The Capital One VentureOne Rewards Credit Card has everything you need to start any journey off on the right foot. New cardholders can get 20,000 bonus miles simply for spending $500 within three months of opening an account, a great deal for a no-annual-fee card. VentureOne Rewards also gives you 1.25x miles for every dollar spent and 5x miles on hotels and rental cars through Capital One Travel.

Although VentureOne Rewards has a generous welcome offer, it has a low reward rate on non-travel purchases, so there’s no opportunity to earn extra based on your other spending habits. It’s also reserved for consumers with excellent credit, so it can be difficult to get approved.

▶︎ Read more: Capital One VentureOne review

The Delta SkyMiles® Blue American Express Card is the best no-annual-fee travel credit card for loyal Delta Air Lines customers, as you get to rack up SkyMiles every time you make a purchase. You can use those miles to get free or discounted airfare, cover your checked bag fees, book with Delta Vacations or make in-flight purchases. We also love that the SkyMiles® Blue card has no foreign transaction fees, making it a great fit for international travelers.

If you don’t fly frequently, or you prefer to book the cheapest tickets instead of staying loyal to one airline, the Delta SkyMiles® Blue American Express Card probably isn’t the best fit. Most of the redemption options are Delta-focused, so you won’t be able to use many of your perks if you don’t take at least a few Delta flights per year.

▶︎ Read more: Delta SkyMiles Blue review

The Hilton Honors American Express Card is one of the best no-annual-fee travel credit cards because it helps you earn free nights and other perks at participating Hilton properties. This makes it a great fit for anyone loyal to Hilton over other hotel chains. You earn 7 points per dollar spent on all purchases made with participating Hilton hotels and resorts, 5 miles per dollar spent on dining and 5 miles per dollar spent at U.S. supermarkets.

One of the biggest drawbacks of the Hilton Honors American Express Card is that many of the benefits relate to Hilton stays. If you take a lot of day trips rather than overnight ones, you may not be able to use your Hilton Honors Points often enough to justify having the card.

▶︎ Read more: Hilton Honors Amex review

IHG owns more than a dozen hotel brands, so the IHG One Rewards Traveler Credit Card from Chase may be a good fit if you love to stay at IHG properties when you travel. This card gives you 80,000 bonus points if you spend at least $2,000 on purchases within three months of opening an account. You also earn up to 17 points for every dollar spent at IHG hotels and resorts.

Although this card has plenty of perks, it may not be the best fit for your needs if you don’t travel often, or if you prefer to book with non-IHG hotel brands. You also have to spend at least $20,000 on the card each year to qualify for Gold Status with IHG’s loyalty program.

Chase Freedom Unlimited® is one of the best travel cards with no annual fee because it gives you 5% back on all travel booked through the Chase Travel portal and 3% on purchases made at restaurants and drugstores. We love that this card comes with tons of extra benefits, such as a three-month DashPass subscription, 5% cash back on Lyft rides and a three-month Instacart+ membership.

The Chase Freedom Unlimited® card may not be the best fit if you prefer to book directly with travel vendors rather than using a dedicated travel portal. You also need good or excellent credit to qualify to get approved for this card.

▶︎ Read more: Chase Freedom Unlimited review

The Blue Cash Everyday® Card from American Express comes with access to the Global Assist® Hotline and complimentary car rental loss and damage insurance. Global Assist® connects you with trained professionals who can help you make travel plans. You also earn 3% back on your first $6,000 in purchases at U.S. gas stations each year (then 1%), making this card ideal for users who prefer to drive to their destinations instead of flying or taking public transportation.

Blue Cash Everyday makes it easy to earn cash back, but it has a limited number of travel benefits, so it may not be the right fit if you want to maximize your earnings on flights, hotel stays and other travel expenses. It also has a foreign transaction fee, so it’s not ideal for overseas travel.

▶︎ Read more: Amex Blue Cash Everyday review

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 United Gateway℠ Card from Chase gives you 2 miles per dollar spent on all United Airlines purchases, making it ideal for users who always fly with United rather than using multiple airlines. Cardholders also get 2X miles on gas station purchases and local transit/commuting expenses.

Many card benefits, such as 25% cash back on in-flight food and drinks, only apply to United purchases. If you don’t book with United very often, you may benefit more from getting a different travel credit card with no annual fee.

No annual fee means you don’t pay a fee each year just to keep your account open. You may have to meet other account requirements, but there’s no cost to maintain your card. 

Travel credit cards give you points, miles and other rewards on common travel expenses, including airfare, hotel stays and train tickets. A no-annual-fee travel credit card gives you the best of both worlds. You can earn rewards based on your travel habits without paying money to keep your account active.

How do travel credit cards with no annual fee work?

When you have a credit card with an annual fee, you have to pay the same amount of money every year no matter how much you use the card. If you have a no-annual-fee credit card , you don’t have to pay a fee to keep your account open.

This is a major benefit for budget-conscious travelers who want to earn rewards without forking over cold, hard cash. If there’s no annual fee, there’s also no need to worry about using the card often enough to break even.

The best travel credit cards with no annual fee are ideal for casual travelers, as there’s no charge to keep your account active. If you don’t travel for a year or two, you don’t have to worry about getting charged for a dormant account.

These cards may also be a good fit for students studying abroad or users who don’t have a ton of experience managing credit. If you plan to study abroad, look for a student credit card with no annual fee that also doesn’t charge any foreign transaction fees.

• Opportunities to earn points, miles or cash back on your travel expenses
• Access to partner benefits, such as status upgrades within hotel and rental car loyalty programs
• Ability to transfer rewards to partner companies
• May have limited benefits due to the lack of an annual fee
• General-purpose credit cards usually offer more redemption options
• Some companies require you to book through a branded portal to take advantage of your travel benefits

Keep these factors in mind as you search for the best credit card for travel with no annual fee.

Rewards credit cards for travel typically offer points, miles or cash back on each eligible purchase. You can use these rewards to pay for hotel stays, airfare, transit expenses and other travel costs.

Flexible travel options

Some cards have no blackout dates or other restrictions when using your rewards to make travel plans. Others require you to book through a third-party website or a dedicated portal, so you may not be able to cancel your plans without forfeiting your rewards.

The higher the APR on your credit card, the more interest you’ll pay if you don’t pay your balance by the end of your billing cycle. You can get cards with 0% APR , which allows you to make purchases and/or balance transfers at a rate that’s lower than the regular APR.

When comparing travel credit cards, watch out for steep fees such as balance transfer fees, cash advance fees or fees for late payments. Opt for cards with no foreign transaction fees when traveling abroad.

It’s common for travel credit cards to come with additional benefits, such as travel insurance, rental car coverage, shopping protections and extended warranty coverage. You may even qualify for complimentary memberships or statement credits.

Compare no-annual-fee cards with annual-fee cards

If you travel frequently, you may benefit more from having a credit card with an annual fee instead of a card with no annual fee. Annual fees typically offer higher earning rates and more benefits, like a fee credit for global entry or a card with airport lounge access .

Many travel credit cards require good or excellent credit scores . When you’re ready to apply, be prepared to provide your name, address, telephone number, annual income and monthly mortgage or rent payment. You’ll also need to enter your Social Security number on the application.

To apply for a card, visit the issuer’s website and follow the instructions on the form.

How to improve your chances of getting approved for a travel credit card with no annual fee

To improve your chances of approval, apply for a card that matches your credit profile. If your score is in the good range, you’re likely to be denied if you apply for a card that requires excellent scores. 

You can also try prequalifying or applying with a cosigner. If you prequalify for a card, the issuer has already reviewed some of the information on your credit reports and determined that you may fit their approval criteria. Note that prequalification doesn’t guarantee approval; it just makes it more likely.

A cosigner promises to pay back what you borrow if you can’t afford to make your payments. If you decide to apply with a cosigner, make sure the person you choose has a strong credit profile and a steady source of income. Applying with a cosigner with poor credit won’t help you and may even hurt your credit.

No-annual-fee travel credit cards are worth it if you want to earn rewards without worrying about how much you’re earning compared to how much you’re spending to keep the card active. 

You may benefit more from a travel credit card with an annual fee if you travel frequently and want access to even more benefits. If you only travel once or twice per year, consider getting a traditional credit card. You may benefit from earning cash back or points at restaurants, grocery stores and other everyday purchases.

▶︎  Read more: Best credit cards for grocery shopping & best credit cards for restaurants

Are there travel cards with no annual fee?

Yes. Our list of the best travel credit cards with no annual fee has seven entries, so you have plenty of options when it comes to earning travel rewards without having to pay a fee every year.

Which airline credit card does not have an annual fee?

The airline credit cards with no annual fee include the Delta SkyMiles® Blue American Express Card, American Airlines Aadvantage® MileUp® and JetBlue Card.

Is a travel card with annual fee worth it?

A travel card with no annual fee may be worth it if you want to earn travel rewards but don’t want to worry about how much you are spending to match the rewards to the price of an annual fee.

What is the best credit card to use while traveling?

If you always stay at the same hotel chain, the best card for your needs may be a co-branded card such as a Delta credit card , that helps you earn free nights and other hotel-related perks. 

If you’re loyal to one airline, look for a travel credit card that gives you miles or points to use on airfare and in-flight purchases.

What is the most accepted credit card for international travel?

Many overseas merchants accept Visa and Mastercard. It’s less common for merchants to accept Discover or American Express cards when you’re traveling in a foreign country. When choosing a credit card for international travel, remember to look for a card with no foreign transaction fees.

Which is the best no annual fee travel credit card?

The best travel credit card with no annual fee depends on your travel preferences and overall shopping habits. If you like to buy from the same brands, look for a card that maximizes your earnings on purchases from those brands. Otherwise, look for a card with low fees and plenty of perks.

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

About the Reviewer

Blake Esken has over 15 years of experience in product management and has been a member of the Los Angeles Times staff for over five years.

As part of his role at the Los Angeles Times Commerce Team, Blake acts as the in-house reviewer and fact checker for LA Times Compare. He supervises all content for compliance and accuracy and puts to use skills he has honed through years of experience managing high-stakes projects for a range of industry-leading companies.

He has a strong background in data analysis, compliance, and communication, which allows him to support LA Times Compare through fact-checking in an effort to provide up-to-date and factual information across our content.

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$2,500 Vacation Giveaway! How to Enter: You earn 1 entry for EVERY hotel night booked from now through June 30th, and you earn 2 entries for every hotel night booked with your Credit Union credit or debit card. Click Here for Terms & Conditions

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Your Membership Includes

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Enjoy member-only rates on 1.2 million brand-name hotels worldwide..

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Members receive $60 hotel dollars per year., hotel dollars are distributed monthly at $5/month.

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Earn 5% hotel dollars back when you book travel using your credit union credit or debit card..

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How Do Hotel Dollars Work?

Hotel dollars provide additional savings on hotel bookings, but there is a limit to how many can be applied on a booking depending on the hotel & dates. hotel dollars cannot be used to bring a hotel price to $0. the maximum amount of hotel dollars will automatically be applied on every hotel booking, so you don't have to apply them yourself. if you have questions about hotel dollars or other membership benefits, please contact [email protected], how do i earn hotel dollars back on bookings, you can earn hotel dollars when you make hotel bookings on our platform using your credit union’s credit/debit card. standard members earn 5% back and premium members earn 10% back., do you offer discounts on hotels, car rentals, and flights, we consistently offer big discounts on hotels, but discounts on car rentals and flights are rare due to how these industries work., are hotel bookings flexible/refundable, most hotel bookings are refundable, but make sure to read the cancellation policy at checkout for each booking., can you book international travel, yes our inventory includes hotels, car rentals and flights worldwide., can you book bundle deals, no, at this time, your hotel, car rental and flights are booked separately on our platform., will i ever be charged for my standard membership, you will never be charged for a standard membership if your credit union is partnered with credit union travel., where is my reservation confirmation email, for hotel bookings, you will receive a confirmation email from [email protected] for flight/car rental reservations, you will receive an email from [email protected] *if you are not seeing your confirmation email in your inbox, check your spam folder. if you still do not see your confirmation email, call 1-866-684-9824 to request a new confirmation email., how do i contact support, if you need help with an existing hotel reservation, you can call 1-800-497-2175 for 24/7 support. if you help with an existing flight/car rental reservation, you can call 1-877-477-7441 for 24/7 support. for all other questions or inquiries, please email us at [email protected] and we will get back to you within 1 business day., how do i manage my reservation online, to manage your flight reservation online, visit: https://secure.rezserver.com/flights/help/review to manage your car rental reservation online, visit: https://secure.rezserver.com/car_rentals/help/review, we want to cu travel.

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Find the best credit card for you

The 6 best chase travel credit cards of 2024, chase issues some of the top travel credit cards that earn airline miles, hotel points and flexible travel rewards..

If you're looking for a travel credit card , one of the top card issuers to consider is Chase. The best Chase credit cards offer valuable travel perks and earn flexible Chase Ultimate Rewards® points. For brand loyalists, Chase also issues co-branded credit cards for airlines and hotels such as Marriott and United.

To help you choose the best Chase travel credit card for your situation, CNBC Select analyzed travel cards issued by Chase, weighing each card's perks and costs (see our methodology for more information on how we choose the best Chase travel credit cards).

Best Chase travel credit cards

• Best for beginners:   Chase Sapphire Preferred® Card
• Best for no annual fee: Chase Freedom Unlimited®
• Best for business owners: Ink Business Preferred® Credit Card
• Best for premium benefits: Chase Sapphire Reserve®
• Best for IHG stays: IHG One Rewards Premier Credit Card
• Best for Southwest flyers: Southwest Rapid Rewards® Priority Credit Card

Best for beginners

Chase sapphire preferred® card.

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, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

• Points are worth 25% more when redeemed for travel via Chase Travel℠
• Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
• Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
• No fee charged on purchases made outside the U.S.
• $95 annual fee
• No introductory 0% APR

Who's this for? The Chase Sapphire Preferred has a reasonable annual fee, a versatile rewards program and a generous welcome bonus . This makes it a beginner-friendly option if you're looking for your first travel card.

Standout benefits:  The Chase Sapphire Preferred card earns Ultimate Rewards points. You can redeem them for one cent each for things like cash back or gift cards. If you use Ultimate Rewards points to pay for travel you book through Chase Travel℠ , the value bumps up to 1.25 cents per point. You can also transfer Chase points at a 1:1 ratio to over a dozen partner travel programs, including United MileagePlus, Southwest Rapid Rewards and World of Hyatt.

[ Jump to more details ]

Best for no annual fee

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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; and 3% cash back 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.

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!

0% for the first 15 months from account opening on purchases and balance transfers

20.49% - 29.24% variable

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• No annual fee
• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is ideal if you want a card with no annual fee and a high rewards rate for everyday purchases. It's also excellent to pair with another Ultimate Rewards® card, like the Chase Sapphire Preferred , as you can convert your cashback into fully transferrable Ultimate Rewards® points.

Standout benefits : The Freedom Unlimited is technically a cash-back credit card , but it can be much more if you pair it with a Chase card that enables transfers, such as the Sapphire Preferred . This allows you to transfer the rewards you earn with your Freedom Unlimited to all of Chase's transfer partners, which can greatly boost the value you receive with this no-annual-fee card .

Best for business owners

Ink business preferred® credit card.

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

21.24% - 26.24% variable

Good/Excellent

Read our Ink Business Preferred® Credit Card review.

• Free employee cards
• Points are worth 25% more when you redeem for travel through Chase TravelSM
• 1:1 point transfer to leading frequent travel programs
• Generous welcome bonus worth up to $1,000
• No introductory 0% financing offers for purchases or balance transfers

Who's this for? The Ink Business Preferred® Credit Card is great if you're a business owner who wants to earn flexible travel rewards thanks to its generous bonus spending categories.

Standout benefits: The Ink Business Preferred earns 3X points per $1 on the first $150,000 in combined purchases you spend each account anniversary year on shipping, advertising (social media and search engines), travel and internet, cable and phone services. That's a large number of useful bonus categories for businesses that can help you amass a hoard of Chase Ultimate Rewards points quickly.

Best for premium benefits

Chase sapphire reserve®.

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 plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

• $300 annual travel credit for travel purchases
• Global Entry or TSA PreCheck application fee credit up to $100 every four years
• Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
• Points are worth 50% more when redeemed for travel via Chase Travel℠
• Special benefits at The Luxury Hotel & Resort Collection
• Complimentary year of Lyft Pink membership
• High annual fee, but it can be offset by taking advantage of all the card’s perks
• No introductory APR
• Estimated rewards earned after 1 year: $1,469
• Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The Chase Sapphire Reserve is ideal if you have a strong credit score and want premium perks like airport lounge access and built-in travel protections.

Standout benefits:  With the Chase Sapphire Reserve , you'll get an up to $300 annual travel credit as reimbursement for travel purchases charged to your card. This credit automatically applies to eligible travel purchases, from airfare and lodging to public transit and parking fees, so it's incredibly easy to use. You can also enroll for unlimited access to 1,300+ Priority Pass™ airport lounges .

Best for IHG stays

Ihg one rewards premier credit card.

Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts, 5 points per $1 spent on purchases on travel, at gas stations, and restaurants, 3 points per $1 spent on all other purchases

Earn 140,000 Bonus Points

21.49% - 28.49% variable

• Automatic Platinum Elite status as long as you remain a Premier card member
• One reward night after each account anniversary year at eligible IHG hotels worldwide
• Fourth reward night when you redeem points for a consecutive four-night IHG® hotel stay.
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years
• No annual travel credits
• Estimated points earned after 1 year: 173,089
• Estimated points earned after 5 years: 365,446

Who's this for? The IHG One Rewards Premier Credit Card is a perfect fit if you frequent IHG hotels because of its brand-specific perks. However, it also provides enough value that even the occasional guest can benefit from having this hotel credit card .

Standout hotel benefits: For every account anniversary, you'll receive a free night award valid at IHG hotels that cost up to 40,000 points. You can also top off this award if the night costs more than 40,000 points. If you want to book a room that costs 55,000 points, you could still use your award and pay the 15,000-point difference. This benefit alone can be valuable enough to justify paying the card's annual fee.

Best for Southwest flyers

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

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

Foreign transaction fees

• Southwest upgraded boarding on up to 4 tickets per year
• 7,500 bonus points on each account anniversary
• $75 Southwest annual travel credit
• 4 upgraded boardings per year when available
• $149 annual fee
• No special financing offers

Who's this for?  If you love Southwest's consumer-friendly policies such as free checked bags and no change or cancellation fees, you'll appreciate the additional perks that come with the Southwest Rapid Rewards® Priority Credit Card .

Standout benefits: Having the Southwest Rapid Rewards Priority Card makes earning the Southwest Companion Pass easier because the points you earn (including the welcome bonus) count toward qualifying and you get a 10,000 qualifying-point boost every year. The Companion Pass is incredibly valuable because it allows you to bring a guest on any Southwest flight for the cost of taxes and fees.

More on our top travel credit cards

It can be easy to justify paying the Chase Sapphire Preferred Card's annual fee if you consider the value of the points you'll earn and its ongoing benefits.

• 5X points per dollar on travel purchased through Chase Travel℠
• 5X points per dollar on Lyft rides through Mar. 31, 2025
• 3X points per dollar on dining
• 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs)
• 3X points per dollar on select streaming services
• 2X points per dollar on all other travel purchases
• 1X points per dollar on all other purchases

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Notable perks

Many of the Sapphire Preferred's benefits offer a fixed value that in total, more than offsets its annual fee. These perks include:

• Up to $50 in annual Chase Travel Hotel Credit for hotel stays booked through Chase Travel℠
• 10% points boost every card anniversary
• Complimentary DoorDash DashPass membership for at least one year when you activate by Dec. 31, 2024 (normally costs $9.99 a month or $96 for an annual plan)

This card also has an extensive list of insurance benefits. Eligible purchases qualify for:

• Trip delay reimbursement
• Primary rental car collision coverage
• Trip cancellation and interruption insurance
• Baggage delay insurance
• Lost luggage reimbursement
• Roadside dispatch
• Travel accident insurance
• Travel and emergency assistance services
• Purchase protection
• Extended warranty protection

You'll also have a range of redemption options for the rewards you earn. You can use Chase points to receive cash back at a rate of one cent per point and to pay for travel you book through Chase Travel℠ at a rate of 1.25 cents per point. If you want to unlock further value, the Sapphire Preferred also allows you to transfer Chase points to airline and hotel loyalty programs such as  Southwest Airlines Rapid Rewards , Air Canada Aeroplan, IHG One Rewards,  Marriott Bonvoy and more.

[ Return to card summary ]

The Chase Freedom Unlimited is a great card to pair with other Chase cards because it earns a minimum of 1.5% cash back on all purchases and has no annual fee.

• 5% back on travel purchased through Chase Travel
• 5% back on Lyft rides (through March 2025)
• 3% back at drugstores
• 3% back on dining at restaurants (including takeout and eligible delivery services)
• 1.5% back on all other purchases

Earn an additional 1.5% cash back on all purchases up to $20,000 spent in the first year.

When you open a new Freedom Unlimited account, you'll receive a 0% intro APR for the first 15 months from account opening on new purchases and balance transfers. After that, a variable 20.49% to 29.24% APR applies. The intro balance transfer fee is 3% of the amount of each transfer with a $5 minimum (applies to transfers you make in the first 60 days of opening the account). Once the intro balance transfer fee expires, the fee increases to 5% of the amount you transfer or $5, whichever is greater.

You can also take advantage of the following built-in coverages:

• Rental car collision insurance (secondary in the U.S.)

The Freedom Unlimited is a cash-back card, but if you have another Chase card that allows points transfers, you can move your rewards to that card and transfer them. That makes this card a great partner with cards like:

• Chase Sapphire Preferred Card

Having the option to convert your rewards into airline miles or hotel points, gives you a wider range of options to maximize the value you receive.

The Ink Business Preferred® Credit Card is a versatile business card with an unusually generous intro bonus offer.

• 5X points on Lyft rides (through March 31, 2025)
• 3X points on the first $150,000 in combined purchases in these categories each account anniversary year: shipping, advertising (with select social media sites and search engines), travel, internet, cable and phone services
• 1X points on all other purchases

Earn 100,000 bonus points after spending $8,000 on purchases in the first three months after account opening.

There is no additional fee for adding employee cards and there are no foreign transaction fees . You and the employees you add to your account can take advantage of a range of insurance benefits, including:

• Rental car insurance (primary when renting for business purposes)
• Cell phone protection

The Ink Business Preferred earns Ultimate Rewards points, which you can redeem for cash back, travel gift cards and more. These points are worth one cent each for redemptions like cash back or gift cards . The value increases by 25% (1.25 cents per point) if you use your points to book and pay for travel through Chase Travel℠. With this card, you also have the option to transfer points to any Chase travel partner at a 1:1 ratio. These partners include Marriott Bonvoy, Emirates Skywards , Flying Blue (Air France/KLM) and more.

The Chase Sapphire Reserve has everything you should look for in a luxury travel card including generous statement credit benefits, airport lounge access and a robust list of shopping and travel protections.

• 10X total points per dollar on hotels and car rentals purchased through Chase Travel℠*
• 10X points per dollar on Lyft purchases through March 2025
• 10X total points on Peloton equipment and accessory purchases over $150 (earn a maximum of 50,000 total points through March 2025)
• 5X total points per dollar on flights purchased through Chase Travel℠*
• 3X points per dollar on other travel*

*After the first $300 is spent on travel purchases annually

The Sapphire Reserve has a significant $550 annual fee, but it also has lots of benefits that provide more than enough value to make the annual fee worth it. You can take advantage of:

• Up to $300 in annual travel credits
• Unlimited Priority Pass lounge access for you and up to two guests (normally costs $469 for free visits with a $35 guest fee)
• Up to $100 in Global Entry, TSA PreCheck or Nexus fee credit once every four years
• Two years of complimentary Lyft Pink All Access membership (worth $199 a year) when activated by Dec. 31, 2024
• At least one year of complimentary DashPass membership when activated by Dec. 31, 2024
• $5 in DoorDash credit each month through Dec. 31, 2024

If you're fed up with paying extra to insure a trip or receive additional warranty coverage for big purchases, the Sapphire Reserve provides many of these benefits automatically. Eligible purchases are covered by:

• Return protection
• Trip interruption/cancellation insurance
• Baggage delay protection
• Emergency medical and dental insurance

The Sapphire Reserve gives you access to the same travel partners as other Chase cards, but it comes with an increased redemption value when you use points to pay for travel booked through Chase Travel℠. With these redemptions, your points are worth 50% more or 1.5 cents per point. Of course, it's always possible you can receive a higher value per point by transferring your rewards to programs such as Air Canada Aeroplan or Flying Blue (Air France/KLM) and booking costly flights.

This card has no foreign transaction fees.

The IHG One Rewards Premier Credit Card will make your next IHG stay more rewarding and comfortable because of its bonus points on IHG purchases and IHG Platinum elite status perk.

• 10X points at IHG hotels and resorts
• 5X points on travel
• 5X points at gas stations
• 5X points at restaurants
• 3X points on all other purchases

Earn 140,000 points after spending $3,000 on the card in the first three months from account opening.

If you value IHG One status, you'll appreciate the automatic Platinum status you'll receive just for having the card. You also have a path to earning IHG Diamond status after spending $40,000 on the card in a calendar year. On top of that, every year you keep the card you'll receive a free night award valid for rooms that cost up to 40,000 points, and you can top off the award with extra points to book a more expensive room.

By having this card, you can indirectly boost the value of your IHG points because of its fourth-night free benefit. When you use points to book an IHG stay of at least four consecutive nights, the fourth night is free. There is no limit to how often you can use this benefit, so the savings can be massive.

The card also comes with statement credit offers and other perks, including:

• A 20% discount on IHG points purchases
• Up to $50 in United TravelBank Cash each year ($25 deposit twice per year)
• Up to $100 every four years in application fee credit for Global Entry, TSA PreCheck® or NEXUS
• Earn a $100 statement credit and 10,000 IHG points after spending $20,000 on your card in a calendar year

It also has no foreign transaction fees and insurance benefits such as purchase protection and trip cancellation/interruption coverage.

The Southwest Rapid Rewards® Priority Credit Card can help you fast-track your journey to earning Southwest A-List elite status.

• 3X points on Southwest purchases
• 2X points on hotel and rental cars booked through Southwest
• 2X points on local transit
• 2X points on internet, cable and phone services

Earn 85,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

The Southwest Rapid Rewards Priority card has the highest annual fee of any Southwest consumer credit card but has the most valuable benefits. Every year, you'll receive a $75 Southwest travel credit and 7,500 bonus points (worth roughly $97). If you can fully utilize both offers, you'll more than offset this card's annual fee.

Having a Southwest card is one of the best ways to fast-track your way to earning a Southwest Companion Pass. The points you earn from spending with this card and from its welcome offer both qualify toward earning a Companion Pass. You also receive a 10,000 qualifying-point boost every calendar year.

Earning Southwest status is also easier with this card. You will earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend annually, and there is no limit on the number of TQPs you can earn. You can also take advantage of 25% back on inflight purchases and four upgraded boardings every year (when available).

This card comes with travel and purchase protections such as roadside dispatch, rental car damage waiver, purchase protection, extended warranty protection, lost luggage reimbursement, baggage delay insurance and travel accident insurance.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Chase travel credit card application rules

Chase has several additional application restrictions, some of which are card-specific. The first rule typically applies to any Chase credit card you apply for and is known as the Chase 5/24 rule . The way it works is that you're unlikely to be approved for a Chase card if you've opened five or more cards from any bank in the past 24 months.

There are also specific restrictions for these cards:

IHG One Rewards credit cards

You aren't eligible for a personal IHG One Rewards card if you currently have any personal IHG One Rewards card. You also aren't eligible for a personal IHG One Rewards card if you've earned an intro bonus offer from any personal IHG One Rewards card in the previous 24 months.

The same limitation applies to the IHG One Rewards Premier Business Credit Card . You aren't eligible for an IHG One Rewards business card if you currently have and IHG One Rewards business card or if you've earned an intro bonus from and IHG One Rewards business card in the previous 24 months.

That said, if you open an IHG business card, you can still qualify for a personal IHG card and vice versa.

Southwest credit card application rules

Chase currently issues three personal Southwest credit cards and two Southwest business credit cards. You can have one personal Southwest card and one business Southwest card at a time. However, you aren't eligible for a new personal Southwest card if you currently have a personal Southwest card or have earned a new card member intro bonus from a Southwest personal card in the previous 24 months. The same rule applies to Southwest business cards, you aren't eligible for a Southwest business card if you currently have one or have earned a Southwest business card intro bonus in the previous 24 months.

Marriott Bonvoy credit card application rules

Both Chase and American Express issue Marriott Bonvoy co-branded credit cards . These hotel credit cards have complicated restrictions and waiting periods based on what cards you have, have had and when you earned previous Marriott Bonvoy card welcome bonuses. This makes it important to carefully review each card's specific terms before applying because even having an Amex Marriott card could impact whether you're eligible for a new cardmember bonus

Chase Sapphire credit card application rules

If you want to apply for the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® , the rules are more restrictive compared to other Chase cards. If you currently have or have had any Sapphire card in the last 48 months, you aren't eligible for any version of the Sapphire card.

It is possible to call and product change between the cards if you already have an account. So you could upgrade to the Sapphire Reserve to take advantage of its increased perks or downgrade to the Sapphire Preferred if you want to pay a smaller annual fee.

World of Hyatt credit card application rules

You won't qualify for the World of Hyatt Business Credit Card or World of Hyatt Credit Card if you currently have that card or have earned a welcome bonus from that card in the past 24 months. However, having a personal Hyatt card won't restrict you from opening a Hyatt Business card and vice versa.

United credit card application rules

Chase and United Airlines have partnered to issue several personal and business credit cards. The additional application guidelines are the same for all Chase United credit cards. For most United cards (personal or business), you aren't eligible for a specific card product if you currently have that exact card or have earned an intro bonus from that card in the past 24 months.

One exception is the United Club℠ Infinite Card , which you won't qualify for if you currently have any United Club card or if you have earned an intro bonus from any United Club card in the previous 24 months.

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Pros and cons of Chase travel credit cards

Chase travel credit cards rank among the top credit cards for all sorts of travel. It issues several co-branded airline and hotel credit cards. Chase Ultimate Rewards points are also some of the most valuable and useful travel points you can earn.

However, you typically need a higher credit score to qualify for the best Chase travel cards. As valuable as the rewards may be, the miles and points you earn can be complicated to redeem to maximum value.

Pros of Chase travel credit cards

• The miles and points you earn can be used to book high-value travel like business-class tickets or luxury hotels
• Some premium Chase cards offer luxury perks like airport lounge access or automatic elite status
• Many of these cards have exceptionally valuable welcome bonuses, with the best offers worth more than $1,000

Cons of Chase travel credit cards$

• Redeeming travel rewards for the highest value can sometimes be a complicated endeavor
• Most of these travel cards have annual fees and the cards with the best perks have the highest annual fees
• To qualify for the best Chase travel card, you'll typically need a higher good to excellent credit score

What does Chase count as a travel purchase?

Whether a transaction falls under the travel category depends on how Visa and Mastercard classify that merchant. However, Chase lists a large range of category classifications as travel, including airlines, hotels, timeshares, car rental agencies, cruise lines, travel agencies, campgrounds, trains, buses, taxis, ferries, tolls, parking and discount travel sites.

Do Chase credit cards have travel protections?

Many Chase credit cards have travel insurance benefits including trip delay reimbursement, rental car coverage, trip cancellation/interruption insurance and more. However, the specific protections vary by card. Check your card's benefits guide to confirm what specific coverages you have and the fine print.

What hotels are partners with Chase?

You can transfer Chase Ultimate Rewards points to the following hotel loyalty programs: Marriott Bonvoy, IHG One Rewards and World of Hyatt. Chase also issues co-branded hotel credit cards for all three brands.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Chase travel credit cards.

Our methodology

To determine which Chase travel credit cards offer the best value, CNBC Select analyzed Chase's travel card offerings based on a range of features. We considered rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

When choosing the best Chase travel cards, we focused on relevant features, such as cards that are widely accepted internationally and provide consumers with bonus rewards on travel spending. We prioritized additional perks that may be useful when traveling, such as travel protections and elite status benefits. 

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Anker Zolo Power Bank, 10,000mAh 30W Portable Charger with Built-in USB-C Cable for Travel, Fast Charging Battery Pack for iPhone 15 Series, MacBook, Galaxy, iPad, and More (Black)

Purchase options and add-ons, about this item.

• Speedy 30W Charging: Experience the cutting-edge speed of 30W fast charging technology that propels your iPhone 15 from 0 to 57% battery in just 30 minutes.
• Ready for Endless Use: Crafted for durability, the 5.4-inch built-in USB-C cable is tested to endure over 10,000 bends, ensuring it stands up to the rigors of everyday use.
• Mighty Compact Power: This compact and powerful 10,000mAh power bank provides up to 2 full charges for an iPhone 15 and 1.94 charges for a Samsung S24, making it ideal for travel.
• 30W Bi-Directional Charging: With two-way fast USB-C charging, enjoy up to 30W output and 20W input, ensuring your gadgets are quickly powered.
• What You Get: Anker Zolo Power Bank (10K, 30W, Built-In USB-C Cable), welcome guide, 18-month warranty, and our friendly customer service.

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Climate neutral by ClimatePartner certifies the carbon footprint of a product was calculated and all associated emissions were offset.

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10,000mAh 30W High-Speed Portable Charger

AnkerDirect

Product information

Warranty & support, product description.

Is it normal for the charging speed to be slow?

The charging speed depends on whether the charger and cable can meet the power bank's requirements. Using a 20W fast charger, the power bank can be fully charged in approximately 2.5 hours.

Can it charge low-current devices like earphones?

Yes, this power bank features a low-current charging mode.Simply double tap the power button to enter this mode to charge small electronic devices and double tap again to exit!

Does it support charging while discharging?

Yes, the power bank supports pass-through charging with a max input and output of 5V/3A. Note that it does not support simultaneous charging and discharging for laptops. For longevity, avoid charging your phone while charging the power bank.

Can I bring it on a plane?

Yes, in general, power banks with a battery capacity under 27,027 mAh (100 watt-hours) can be legally and safely carried on planes.

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