The Best Credit Cards in 2021 for Travel Enthusiasts – Unveiling Exclusive Rewards, Points Systems, and Travel-Friendly Perks to Elevate Your Journeys
In the ever-evolving world of credit cards, selecting the right travel credit card can significantly enhance your globetrotting experiences. Several standout options garnered recognition for their remarkable benefits and rewards programs.
These cards were applauded for catering to the needs of avid travelers, offering an array of perks ranging from flexible points systems and airline partnerships to exclusive lounge access and travel insurance coverage.
While the credit card landscape is subject to change, let’s delve into some of the top travel credit cards celebrated for their impressive features.
*Please note that credit card offerings and benefits can change over time, so verifying the current details is essential before making any decisions.
Here are a few travel credit cards that were well-regarded and their notable features:
Chase Sapphire Preferred® Card:
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- Benefits: Offers a valuable sign-up bonus, flexible points transfer to various travel partners, 2x points on travel and dining, and travel insurance coverage.
- Why it’s good: This card is known for its versatile Chase Ultimate Rewards points that can be transferred to multiple airline and hotel partners, maximizing your redemption options.
American Express Platinum Card®:
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- Benefits: Provides access to airport lounges (including Centurion Lounges), annual travel credits, global entry or TSA PreCheck fee reimbursement, and significant points earned on flights and hotels.
- Why it’s good: The Platinum Card offers a range of luxury travel benefits, including lounge access, elite status with hotel programs, and various travel-related credits.
Capital One Venture Rewards Credit Card:
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- Benefits: Earns 2x miles on every purchase, flexible redemption options, and the ability to transfer miles to airline partners.
- Why it’s good: The flat earning rate simplifies the points accumulation process, and the card’s “Purchase Eraser” feature allows you to redeem miles for travel expenses.
Citi Premier® Card:
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- Benefits: Offers bonus points on travel, dining, and entertainment, along with the option to transfer points to several airline partners.
- Why it’s good: The card’s bonus categories align with common spending areas for travelers, and the points transfer options provide flexibility for maximizing rewards.
United℠ Explorer Card:
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- Benefits: Provides free checked bags, priority boarding, lounge passes, and additional benefits for United Airlines flyers.
- Why it’s good: If you frequently fly with United Airlines, this card’s perks can add substantial value, making your travel experience more comfortable.
Southwest Rapid Rewards® Premier Credit Card:
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- Benefits: Offers free checked bags, anniversary bonus points, and a Companion Pass, which allows a designated person to fly with you for free (excluding taxes and fees) for a year.
- Why it’s good: If you often fly with Southwest Airlines, the Companion Pass and other benefits can make travel more affordable and convenient.
TIP: When considering a travel credit card, evaluating your spending habits, travel preferences, and goals is essential. Look at factors such as annual fees, rewards earning rates, redemption options, travel benefits, and whether the card aligns with your preferred airlines or hotels. Remember that the best card for you will depend on your needs and preferences. Always check the latest terms, conditions, and benefits before applying for any credit card.
Did you know?
Some travel credit cards offer the concept of “trip interruption” coverage. While many people know about travel insurance that covers trip cancellations, some travel credit cards also provide coverage in case your trip is interrupted after it has already started.
Trip interruption coverage typically reimburses you for non-refundable expenses such as accommodations, transportation, and activities if your trip is cut short due to covered reasons such as illness, injury, natural disasters, or other unforeseen events.
This can be particularly helpful if you’re midway through your journey and unexpected circumstances force you to return home earlier than planned.
It’s worth checking the terms and conditions of your travel credit card to see if it includes trip interruption coverage and what specific situations are covered.
A little history:
Travel credit cards have a fascinating history that dates back several decades, evolving alongside advancements in the financial industry and changes in consumer behavior. Here’s a brief overview of the history of travel credit cards:
- Early Origins (1950s-1960s): The concept of credit cards began to gain traction in the 1950s, with the Diners Club card being one of the pioneers. While not specifically a travel card, it allowed users to charge expenses at restaurants and hotels, providing a precursor to the travel-focused benefits that would later emerge.
- Airline and Hotel Cards (the 1970s-1980s): In the 1970s, airlines and hotels started offering their own co-branded credit cards, often tied to frequent flyer or loyalty programs. These cards typically rewarded users with miles or points for spending, which could be redeemed for flights or stays. This era laid the foundation for the travel rewards landscape we see today.
- Emergence of Travel Rewards (1990s-2000s): The 1990s and 2000s saw a significant expansion of travel credit card offerings from various issuers. Cardholders started to enjoy perks such as priority boarding, free checked bags, and access to airport lounges. Rewards programs also became more sophisticated, allowing users to earn points on travel expenses and everyday purchases.
- Transition to Points and Flexible Rewards (2010s): The 2010s shifted towards more flexible rewards structures. Many travel credit cards began offering points that could be redeemed for flights and hotel stays, and other travel-related expenses, such as rental cars, cruises, and more. This trend increased the versatility of rewards and catered to a broader range of travel preferences.
- Digitalization and Innovation (2010s-Present): With the rise of digital platforms and mobile apps, managing and redeeming travel rewards has become more user-friendly. Cardholders could easily track their points, browse redemption options, and book travel through their credit card accounts. Additionally, newer cards began to offer contactless payment technology for added convenience.
- Focus on Premium Travel Experiences (2010s-Present): Premium travel credit cards have gained prominence in recent years. These cards offer elite benefits like access to exclusive airport lounges, concierge services, travel credits, and more. They cater to frequent travelers seeking rewards and enhanced travel experiences.
- Sustainability and Environmental Initiatives (2010s-Present): Some travel credit cards have recently started incorporating sustainability-focused features, such as carbon offset programs or partnerships with eco-friendly travel companies. This reflects a growing awareness of environmental concerns among travelers.
Disclaimer: The information provided in the previous response about the history of travel credit cards is purely for informational purposes. This content is not intended to promote or endorse any specific credit card issuer, financial institution, or company mentioned within the text. The details shared are based on historical developments and general knowledge. It’s important to note that circumstances and offerings within the credit card industry may have changed since that time. Readers are encouraged to independently verify the accuracy, current terms, and benefits of any credit card or financial product and consult with relevant professionals before making any financial decisions. The content provided does not constitute financial advice or recommendation.
