Reap Your Rewards: The Best Travel Credit Cards With The Most Points

Every serious business traveler has their toolbox of tips and tricks to make travel a cinch. From how to pack light, to what to wear when traveling, when you log enough miles you learn from the practice. That’s why we’ve asked the seasoned travelers from the Speck Travel community to put together this comprehensive list of their go-to travel credit cards with the best rewards and points, so you can be sure you’re getting back every penny you spend when traveling.

What Are The Types of Cash Back Rewards Credit Cards?

When looking for the best travel credit cards, there’s a few questions you may need to ask yourself before registering. Take note from these professional travelers, and make sure you know the ins-and-outs of the credit card before filling out your application.

Flat-Rate Credit Card:

Flat-rate cards will give you a static percentage of cash back based on your purchases, no matter the amount or spending category. For example, many cards will offer an unlimited 1.5% cash back on every purchase you make with the card. If you’re looking for user-friendly, this is the kind of credit card for you.

Tiered Rate Credit Card:

For all tiered reward credit cards, your amount of cash back will vary depending on your categories of spending. But, keep in mind, those categories rarely change. For instance, some cards may offer certain percentages like 4% cash back on grocery store purchases and 2% cash back on transit purchases.

Rotating Category Credit Card:

A rotating rewards credit card will offer flat rates across all purchases, but they’ll also give bonus cash back rewards on purchases made in certain categories that will change by the quarter. Rotating cards take a bit more attention, but can be worth it if your needs are always changing.

Cardholders Choice Credit Card:

A cardholder’s choice rewards system is a less popular option in rewards, but they’re basically a combination of tiered rewards and rotating rewards. Ultimately, you get to decide the category in which you’ll earn the rewards, and it may change out by the quarter.

What Are Some Best Practices For Using Your Credit Cards?

Use It Wisely:

It may sound fairly simple, but make sure you’re using your chosen card for the right purchases at the right time. That’s why it’s so vital to choose a rewards card that focuses on your areas of spending. If your habits are changing, and they may, then you might want to look at additional cards.

Pay It Off:

Credit card debt can be a tricky and slippery slope when not maintained properly. Responsibility is the name of the game. Never spend more than you can afford if you’re doing it for the points. Keep in mind, always pay off your monthly amounts, increasing interest charges can offset the points that you’re receiving.

The Top 5 Travel Credit Cards With The Best Travel Points & Rewards

Our professional travelers have carefully put together the below list of their favorite, and most rewarding credit cards that are sure to please any business traveler. They’ve taken everything into account, from bonuses, to annual fees, to foreign transaction fees, so if you’re looking for a new travel credit card, this is your one-stop-shop for information.

#5: Chase: Ink Business Cash Credit Card

Why our travelers love it:

Spend some, get a bunch back. Anytime a traveler can get a new card with a $500 cash back bonus when only spending $3,000 within the first three months of membership is a sweet deal. Combine that with NO annual fee, and you’ve got yourself a great travel credit card. Do keep in mind, you will need “good to excellent credit” for the majority of approvals with this card, so if your credit isn’t quite where you want it, this may not be the card for you.

With the Ink Business Cash credit card, you’ll earn 5% cash back on your purchases on your internet, cable, and phone services, as well at office supply stores. If that wasn’t enough, you’ll get 2% back on gas stations and restaurants, and 1% back on all other purchases.

Interested in learning more? View the card today!

#4: Discover: Discover It Cash Back

Why our travelers love it:

One question from our travelers…What's not to love about a no-annual-fee card with the possibilities of earning 10% back during your first year? The answer is nothing, it’s a great card.

Keep in mind, this card is a 5% cash back offer, but at the end of your first year, Discover will match that 5% to equal a total of 10% cash back in those rotating categories. Every quarter you activate this credit card, you'll earn 5% back on the first $1,500 spent in that quarter's categories.

Then, you’ll get to earn 1% back on all other purchases. Don’t fret, if you go a bit spending-crazy and max out in the bonus categories each quarter, you'll earn $75 cash back on those purchases alone. Thanks to the first-year match, that means you would earn $150 cash back each quarter that you activate and max out your spending during your first year.

Do keep in mind, you will need “good to excellent credit” for the majority of approvals with this card, so if your credit isn’t quite where you want it, this may not be the card for you.

Interested in learning more? View the card today!

#3: Chase: Freedom Unlimited Credit Card

Why our travelers love it:

If you’re into convenience, this could be the rewards credit card for you. You’ll get to earn 3% cash back on up to $20,000 spent during your first year as a new cardholder, and then you’ll receive 1.5% back on all additional purchases.

Plus, with NO annual fee, and 15 months of no interest on purchases and balance transfers this card is one of the best of the bunch.

Do keep in mind, you will need “good to excellent credit” for the majority of approvals with this card, so if your credit isn’t quite where you want it, this may not be the card for you.

Interested in learning more? View the card today!

#2: Capital One: Quicksilver Cash Rewards Credit Card

Why our travelers love it:

We love the Capital One Quicksilver card. For all of you global travelers, this credit card is one of the rare cash-back rewards cards that won't hit you with any foreign transaction fees each time you use it while traveling abroad. Plus, you’ll get 1.5% cash back on all of your purchases, and there’s no categories or spending caps that you have to keep in the back of your mind.

If that wasn’t enough to sway your decision, NO annual fees, and the ability to earn a $150 bonus after spending $500 on purchases within your first three months as a cardholder make this one of the best traveling credit cards on the market.

Interested in learning more? View the card today!

#1: Bank of America: Cash Rewards Credit Card

Why our travelers love it:

This is our favorite card in our travel wallet! First off, the rewards tiers are spectacular, and BofA does a fantastic job of putting the power of choice in your hands. You get to choose between online shopping, travel, gas, or dining as to where you’ll earn your highest level of cash back.

The bonus is great, you’ll get a $200 online cash rewards bonus after spending $1,000 on the card in the first 90 days of opening your account. With NO annual fee, 3% cash back in your choice category, 2% cash back at grocery stores, and an unlimited 1% on all other choices make this credit card a no-brainer for all travel enthusiasts.

Interested in learning more? View the card today!

Spend Wisely & Enjoy Traveling More On Their Dime!

Only you are the best person to truly judge which travel credit card will suit your lifestyle or spending habits. But, don’t hesitate to reach out to the Speck Travel team with any questions or cards you feel should be on the list!

Happy travels and happy spending!


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