Travel
card_name
Cash Back/Points Structure:
- 5x on travel purchased through Chase Travel℠.
- 3x on dining, select streaming services and online groceries.
- 2x points on all other travel purchases.
- 1x point on all other purchases.
Annual Fee: annual_fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- Chase Ultimate Rewards® Boost: Points are worth 25% more when redeemed for travel through the Chase Ultimate Rewards® portal, effectively making your points go further.
- Transfer Partners: Points can be transferred at a 1:1 ratio to popular airline and hotel loyalty programs, including United, Southwest, and Hyatt, allowing for more flexibility and often higher redemption value.
- Travel Protection: Offers trip cancellation/interruption insurance, baggage delay insurance, and primary car rental insurance.
Who Should Get It: card_name is ideal for travelers looking for flexibility and value when redeeming points. The bonus for travel redemptions and ability to transfer to travel partners make it great for maximizing points. Frequent diners and those who enjoy using rewards for travel will find this card especially beneficial.
Drawbacks: The $95 annual fee may be a downside for those looking for a no-fee option, and the best value from the points comes from redeeming them for travel, limiting rewards flexibility if you’re not a frequent traveler.
card_name
Cash Back/Points Structure:
- 2x miles per dollar on every purchase, every day.
- 5x miles on hotels and rental cars booked through Capital One Travel.
Annual Fee: annual_fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- Easy Mile Redemption: Miles can be redeemed as a statement credit toward any travel purchase, giving you the flexibility to book travel with any airline or hotel without blackout dates.
- Transfer Partners: Miles can be transferred to over 15 travel loyalty programs, including major airlines and hotels, providing the potential for even greater value.
- Global Entry or TSA PreCheck® Credit: Receive up to a $120 credit for Global Entry or TSA PreCheck®.
Who Should Get It: card_name is best for travelers who want simple, straightforward rewards that can be used on a variety of travel purchases. The 2x miles on every purchase and 5x on Capital One Travel bookings are great for both occasional and frequent travelers who prefer flexibility in how they redeem their rewards.
Drawbacks: You’ll need to use the Capital One Travel portal to earn the 5x miles on hotels and rental cars. While the card offers good value, the $95 annual fee may be a deterrent for those looking for a no-annual-fee card.
card_name
Cash Back/Points Structure:
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- 1x point on all other purchases.
Annual Fee: annual_fees, See Rates and Fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- Airport Lounge Access: Includes access to more than 1,000 airport lounges worldwide, including The Centurion® Lounge, Priority Pass™ Select, Delta Sky Clubs (when flying Delta), and more.
- $200 Airline Fee Credit: Receive up to $200 in statement credits per year for incidental fees (like baggage fees) on one selected airline.
- $200 Uber Cash: Up to $15 in Uber Cash each month (plus a bonus $20 in December), which can be used for Uber rides or Uber Eats.
- $100 Saks Fifth Avenue Credit: Get up to $100 in annual credits at Saks Fifth Avenue ($50 semi-annually).
- Hotel Perks: Enjoy elite status with Hilton Honors and Marriott Bonvoy, along with benefits like late checkout and room upgrades at The Hotel Collection and Fine Hotels & Resorts® properties.
- Travel Protections: Offers trip delay, baggage insurance, and other protections. Also includes premium car rental insurance and access to premium concierge services.
Who Should Get It: card_name is best for high-spending travelers who value luxury travel benefits and want to take advantage of premium perks. The extensive airport lounge access, hotel benefits, and travel credits make it ideal for frequent travelers who can offset the high annual fee through these perks.
Drawbacks: The annual_fees annual fee is very high, and it’s only justifiable for those who travel often enough to fully utilize the card’s extensive perks. The rewards structure outside of travel bookings (1x points) is less competitive, so it’s not ideal for everyday spending.
card_name
Cash Back/Points Structure:
- 1.25x miles per dollar on every purchase, every day.
- 5x miles on hotels and rental cars booked through Capital One Travel.
Annual Fee: annual_fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- No Annual Fee: Enjoy the benefits of earning travel rewards without paying an annual fee, making it a good option for occasional travelers.
- Flexible Mile Redemption: Miles can be redeemed as a statement credit to cover any travel purchase, including flights, hotels, and car rentals, offering flexible and easy redemptions.
- Transfer Partners: Miles can be transferred to 15+ travel loyalty programs, including airlines and hotels, offering potential for more valuable redemptions.
- No Foreign Transaction Fees: Makes it a solid choice for international travelers who want to avoid extra charges when spending abroad.
Who Should Get It: card_name is ideal for those who want a travel rewards card without an annual fee. It’s best for casual travelers who prefer flexibility in redeeming miles for any travel purchase and are not looking for the highest rewards rates but still want steady mile accumulation.
Drawbacks: The 1.25x miles on regular purchases isn’t as high as some other travel cards, and the best rewards (5x miles) are tied to bookings made through the Capital One Travel portal. It’s less rewarding for those who spend heavily on travel and want to maximize rewards.
card_name
Cash Back/Points Structure:
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
- Earn 5x total points on flights through Chase Travel℠.
- Earn 3x points on other travel and dining.
- Earn 1 point per $1 spent on all other purchases.
Annual Fee: annual_fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- $300 Annual Travel Credit: Automatically reimburses up to $300 for travel purchases each year, effectively reducing the net annual fee.
- 50% More Value on Travel Redemptions: Points are worth 50% more when redeemed for travel through Chase Ultimate Rewards®, making your points more valuable.
- Lounge Access: Includes Priority Pass™ Select membership, giving you access to over 1,300 airport lounges worldwide.
- Transfer Partners: Transfer points 1:1 to leading airline and hotel loyalty programs, including United, Southwest, and Marriott.
- Luxury Perks: Offers comprehensive travel and purchase protections, including trip cancellation/interruption insurance, primary rental car coverage, and a variety of other travel protections.
Who Should Get It: card_name is best for frequent travelers who want to maximize rewards and luxury travel benefits. The high rewards rate on travel and dining, combined with perks like airport lounge access and an annual $300 travel credit, make it ideal for those who spend heavily in these categories and want premium benefits.
Drawbacks: The $550 annual fee is steep, and while it can be offset by perks like the travel credit and lounge access, it may not be worth it for those who don’t travel frequently. The best rewards are tied to redeeming points for travel, which may limit flexibility for users looking for non-travel redemptions.
card_name
Cash Back/Points Structure:
- 10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
- 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
- 2 Miles per dollar on every purchase, every day.
Annual Fee: annual_fees
Sign-Up Bonus: bonus_miles_full
Key Features:
- $300 Annual Travel Credit: Receive up to $300 in statement credits each year for bookings made through Capital One Travel.
- 10,000 Anniversary Miles: Receive 10,000 bonus miles every year on your account anniversary, equivalent to $100 in travel.
- Priority Pass™ and Capital One Lounge Access: Enjoy unlimited access to Priority Pass lounges worldwide and Capital One’s exclusive lounges, plus up to two complimentary guest passes per visit.
- No Foreign Transaction Fees: A great card for international travelers as you won’t pay any extra fees when using the card abroad.
- Transfer Partners: Ability to transfer miles to over 15 travel loyalty programs for potentially higher redemption value.
- Global Entry or TSA PreCheck® Credit: Receive up to $120 in statement credit every 4 years for Global Entry or TSA PreCheck® application fees.
Who Should Get It: card_name is best for frequent travelers who want premium travel benefits and straightforward rewards. It’s ideal for those who can take full advantage of the $300 annual travel credit, anniversary miles, and lounge access to justify the $395 annual fee. The 2x miles on every purchase makes it a solid choice for those who want to earn miles without worrying about category restrictions.
Drawbacks: The highest rewards rates are tied to Capital One Travel bookings, which might limit flexibility for those who prefer to book directly with airlines or hotels. The $395 annual fee may be a drawback for those who travel less frequently or may not fully utilize the premium benefits.