While travel in 2021 may seem like some far off concept at this point, it is never too early to start saving for your next trip. One of the best ways to save up for your next trip is with travel credit cards. Whether you are a beginner to credit cards or a vet, hopefully these cards will help you rack up travel points in no time!
Traveling can be an expensive hobby, which is why travelers are constantly looking for ways to save money on things like plane tickets and hotels. One of the most popular routes for saving money on travel is by using credit cards, which reward you with points towards buying future trips when you spend money on everyday purchases like groceries, gas, or shopping online.
Should I get a credit card?
While it can be hard to determine the best credit card for travel points, here are a couple of questions you should ask yourself before looking for a card:
- Can I afford to have a credit card? Do I have any outstanding debt that I should pay off first? (Getting into large amounts of debt just to earn a free trip is not worth it)
- Does my credit score qualify for this card? (You will need a credit score above 720 for most travel credit cards)
If the answer is yes to both questions above, then pay attention to these factors below when shopping for a card:
Top Things to Look For in a Credit Card
- What is the annual fee? Do the benefits I earn on this card seem to make up for that annual amount
- What is the signup bonus?
- How much are points I earn worth?
- What other benefits does this card offer for travel?
Top Travel Credit Cards in 2021
Without further ado, here are my picks for the top travel credit cards of 2021:
BEST CARD FOR HOTELS: Hilton Honors Credit Card
- Annual Fee: $95
- 12x Points on Hilton Purchases
- 6x Points on Groceries & Dining
- 6x Points on Gas
- 3x Points on Other Purchases
- Sign Up Bonus: 130,000 Bonus Points after spending $2,000
- Complimentary Gold Status
- Free Weekend Night Reward from Hilton Honors after spending $15,000 in a year
If you are someone who frequently stays at hotels when traveling, then I would recommend taking a look at the Hilton Honors Surpass card as a way to help you feel more like a VIP when staying at one of Hilton’s hotels worldwide.
The Hilton Honors Surpass card allows you to generate a lot of points through a few different routes: including 6x points on groceries & dining, 6x points on gas, 12x points on Hilton purchases, and 3x points on everything else. On top of that, you get 130,000 bonus points after spending $2,000 in the first 3 months.
Some of the best benefits of this card come from the hotel-specific benefits. For example, you get complimentary Hilton Honors gold status just for signing up, which gives you things like late checkout, possible room upgrade, and free internet access. This card also gives you a free weekend night reward at any participating Hilton around the world after spending $15,000 in a year.
BEST CARD FOR HOTELS: Delta SkyMiles Gold Gard
Delta is the second largest airline in the world. If you live in one of its major hub cities, such as Atlanta, Detroit, Minneapolis and Salt Lake City, it will be your only option for non-stop flights to most destinations.
For frequent Delta flyers, having the right credit card will not only help you to earn additional SkyMiles towards award flights, it also can offer you valuable travel benefits and even credit towards elite status. If you’re a Delta flyer, then you should be considering one of these top credit cards.
OTHER CARD BENEFITS
|Miles on Delta Purchases||2x|
|Miles at Restaurants||2x|
|Miles at US Supermarkets||2x|
|Miles on Other Purchases||1x|
|Miles on Eligible Hotel Purchases||1x|
|First Checked Bag Free||✔️|
|Main Cabin 1 Priority Boarding||✔️|
|Pay with Miles||✔️|
|No Foreign Transaction Fees||✔️|
|20% Back on In-Fight Purchases||✔️|
|Access to SkyMiles Marketplaces||✔️|
|Earn a $100 Delta Flight Credit |
towards future travel after $10k
in a calendar year
Let us know what you think of our picks for the best travel credit cards of 2021. If you have any other favorite credit cards, please feel free to let me know! I’d love to hear from y’all in the comments below!