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Many of us are looking forward to when travel restrictions lift so we can visit family and explore new places. As that day inches closer, now is the time to start accumulating travel points to use in the near future. The best credit cards after travel restrictions lift can also be some of the best cards to use now for purchases.
American Express Gold Card
The American Express® Gold Card is one of the best cards for maximizing your travel and daily purchases. You earn up to 4 Membership Rewards per $1 on purchases:
- 4x points on dining worldwide
- 4x points at US supermarkets (up to $25,000 per year then 1 point per $1)
- 3x points on flights booked directly with airlines or on amextravel.com
- 1x points on everything else
You also get a $100 airline fee credit for incidental fees at one selected qualifying airline. The American Express Gold Card also gives an annual $120 dining credit ($10 per month) at select restaurants including Cheesecake Factory, Ruth’s Chris Steak House, Grubhub, and Boxed. Enrollment is required.
Your points are most valuable when booking award flights or gift cards. You can also transfer them at a 1:1 ratio to airline and hotel partners including Delta Air Lines, British Airways, and Avianca LifeMiles. The annual fee is $250 (See Rates & Fees) which is reasonable if you use the travel and dining credits.
The signup bonus is 35,000 Membership Rewards ($350 value) after spending $4,000 in the first 3 months. If you apply for an American Express credit card by May 31, 2020, Amex gives you an extra 3 months to earn the bonus due to their bonus extension:
“Due to the impact of COVID-19, for eligible Card accounts approved from December 1, 2019 through May 31, 2020 for which you are eligible for a welcome offer, the period to make eligible purchases to earn your welcome bonus will be extended for an additional 3 months. Eligible Cards are U.S. Consumer and Business Cards issued by American Express National Bank to a Basic Card Member.”
Learn more: Johnny Jet Recommended Credit Cards
Capital One Venture Rewards Credit Card
The information for the Capital One® Venture® Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Capital One® Venture® Rewards Credit Card is a good fit if you want a travel credit card that earns the same amount of miles on each purchase. You get 2 miles per $1 on domestic and international purchases. You can redeem your miles for travel statement credits, booking upcoming travel, or transfer to the Capital One travel partners.
One additional travel perk is getting a fee credit of up to $100 for Global Entry or TSA PreCheck. The signup bonus is 50,000 bonus points ($500 value) after spending $3,000 in the first 3 months. Capital One also waives the $95 annual fee for the first year.
Related: Capital One Venture Card review
Citi Double Cash Card
Citi® Double Cash Card gives you the flexibility of earning the highest cash back rates before and after travel restrictions are lifted. You get 2% back on all purchases and can redeem your rewards with a minimum $20 cash balance. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn the cash back, you must pay at least the minimum due on time.
This card doesn’t have an annual fee but has a foreign transaction fee. You won’t get a signup bonus either, but, getting 2% back instead of 1.5% back can be more rewarding if you use this card long-term.
Related: Citi Double Cash Review
Capital One Quicksilver Cash Rewards Credit Card
The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Your best option for earning cash back on foreign purchases is the Capital One® Quicksilver® Cash Rewards Credit Card. You get 1.5% back and don’t pay an annual fee or foreign transaction fee. You can also get $150 bonus cash by spending $500 in the first 3 months. This is no-fuss Capital One credit card is easy to have in your wallet.
Chase Sapphire Preferred
The Chase Sapphire Preferred® Card is another great card for earning travel rewards. You earn 2 points per $1 on travel and dining. Grocery purchases can earn 3x Ultimate Rewards in May and June of 2020. Lyft rides earn 5x points, through March 2022. All non-bonus purchases earn 1 point per $1.
Your points are worth 25% more (1.25 cents) when booking any award travel on the Chase travel portal. You can also redeem your points for cash and gift card rewards.
One partner benefit you may also enjoy is one year of free DoorDash DashPass. You get unlimited $0 delivery charges and reduced services fee on $12 minimum orders for a minimum of one year on qualifying food purchases. Activate by 12/31/21.
The signup bonus is 60,000 Chase Ultimate Rewards points (worth up to $750 in travel) after spending $4,000 in the first 3 months. The annual fee is $95.
Related: Chase Sapphire Preferred Review
The information for the Chase Freedom® and the Ink Business Preferred® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Chase Freedom® can be a good choice if you already own a credit card that earns Chase Ultimate Rewards. You can pool your points to get a travel redemption bonus with the Chase Sapphire Reserve vs Chase Sapphire Preferred or Chase Ink Business Preferred® Credit Card.
You earn 5 Ultimate Rewards on the first $1,500 in combined quarterly spending on select bonus categories (then unlimited 1x points). The bonus categories for April through June 2020 are grocery stores, gyms, and select streaming services. All non-bonus spending earns 1 point per $1.
The signup bonus is $150 bonus cash after spending $500 in the first 3 months. There is no annual fee but you will pay a foreign transaction fee.
Related: Chase Freedom Review
Southwest Rapid Rewards Priority Card
You may decide to travel locally instead of internationally at first. The Southwest Rapid Rewards® Priority Credit Card is one of the best for earning frequent flyer miles. Southwest award flights usually cost less than the legacy carriers. And your first two checked bags fly free.
You earn 2x Rapid Rewards on all Southwest purchases and 1x points for everything else. Each point you earn (including the signup bonus) counts toward the Southwest Companion Pass. You only need 100,000 more qualifying points (or 75 additional qualifying flights) as all Rapid Rewards members get a 25,000-point credit in 2020 toward earning the pass.
Southwest Priority Card benefits include:
- $75 annual Southwest travel credit
- 4 Upgraded Booking per year (when available)
- 7,500 anniversary points
The current signup bonus is 40,000 Rapid Rewards after spending $1,000 in the first 3 months. The annual fee $149.
Related: Best Southwest Airlines credit cards
World of Hyatt Credit Card
The World of Hyatt Credit Card lets you earn some of the most valuable hotel points. You may find yourself taking more road trips than flights for the near future. Hyatt has some of the nicest properties with reasonable award night prices. Award nights start at 5,000 points and most properties cost 20,000 points or less.
You get one free night at any category 1-4 hotel and resort each account anniversary. Making $15,000 in annual card purchases gives you a second free night.
You also get automatic World of Hyatt Discoverist loyalty status. Benefits include premium internet, free daily bottled water, and late checkout at 2 pm. Hyatt is also extending select loyalty benefits through 2021.
You earn 4 points per $1 on Hyatt purchases. This card also makes it easy to earn 2x points on lifestyle spend:
- Airline tickets you buy directly from the airline
- Local transit and commuting
- Fitness club and gym memberships
All remaining purchases earn 1 point per $1.
The annual fee is $95 and earns a two-step signup bonus worth up to 10 free nights. Get the first 25,000 bonus points by spending $3,000 in the first 3 months. Earn the remaining 25,000 bonus points when you spend $6,000 total in the first 6 months.
Related: Best Hotel Credit Cards
The roads and skies will gradually reopen as travel restrictions are lifted. A rewards credit card with flexible point redemption options can be your best choice. But using one that earns bonus points on your daily spending can be good too.
What are the top 3 credit cards?
Credit cards with flexible point redemption options can be your best option. Here are three travel and cash rewards credit cards to consider first:
- Flat-rate travel rewards: Capital One Venture (Earns 2 miles per $1 on all purchases)
- Tiered travel rewards: Chase Sapphire Preferred (25% redemption bonus on award travel)
- Cash rewards: Citi Double Cash (Unlimited 2% back)
You may also consider a branded airline or hotel credit card if you are loyal to that particular loyalty program.
Is American Express better than Visa or Mastercard?
American Express can be an excellent option for U.S.-based purchases. Amex credit cards also tend to have good rewards programs and card benefits, especially with their premium credit cards and Membership Rewards programs.
American Express also has co-brand relationships with Delta Air Lines, Hilton Honors, and Marriott Bonvoy.
One downside of American Express credit cards is merchant acceptance. Nearly as many domestic merchants accept Amex payments as Visa and Mastercard. But you may encounter issues for international travel outside major tourist areas. In this case, Visa and Mastercard have near-universal acceptance.
How do I choose a credit card?
You can follow these steps to choose the best credit card:
- Find the best credit cards for your credit score
- Decide if you want to earn travel or cash rewards
- Compare the card benefits and annual fees (Avoid cards where the benefits are worth less than the fees)
- Find the best signup/welcome bonus you can earn
- Apply for the credit card
You can try pre-qualifying for a credit card from the bank website or using the CardMatch™ tool. This step can narrow the search process quickly. Prequalifying lets you easily see which cards you have the best approval odds for without impacting your credit score.
For rates and fees of The American Express® Gold Card, please click here.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.