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Best cards → Travel

✈️ Best travel credit cards: November 2026

Generated November 10, 2026 from 261 researched cards · 10 shown

No card issuer pays us today. UseTheseCards has no affiliate links and no advertisers, so this ranking is pure math over published card terms. Nothing on this page earns us a cent. How we're paid · Editorial policy

Flights, hotels, rental cars: booked direct or through an issuer portal.

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1
Strata Elite
Citi · $595/yr
12× on travel.
only when you book through the issuer's travel portal · redemption: 1:1 transfers incl. American Airlines; TPG 7/2026 values TYP at 1.9cpp. Enables 1:1 for pooled Double Cash/Custom Cash…
≈18% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Nov 10, 2026 · issuer page
12×≈ 18% at 1.5¢/pt
Have it? Add it to your wallet →
2
Citi / AAdvantage Executive World Legend Mastercard
Citi · $695/yr
12× on travel.
only when you book through the issuer's travel portal · ONLY hotels booked through AAdvantage Hotels (aadvantagehotels.com) and car rentals booked through AAdvantage Cars (aadvantagecars.com); 12x since 20…
≈16.8% at 1.4¢/pt: our researched value for American Airlines AAdvantage · sources: TPG 1.4¢ (Aug 3, 2026), FrequentMiler 1.4¢ (Jul 23, 2026)
Terms verified Oct 5, 2026 · issuer page
12×≈ 16.8% at 1.4¢/pt
Have it? Add it to your wallet →
3
Citi Strata Premier Card
Citi · $95/yr
10× on travel.
only when you book through the issuer's travel portal · Hotels, car rentals & attractions booked via cititravel.com
≈15% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
10×≈ 15% at 1.5¢/pt
Have it? Add it to your wallet →
4
Venture X Rewards
Capital One · $395/yr
10× on travel.
only when you book through the issuer's travel portal · hotels & rental cars booked via Capital One Travel
≈14% at 1.4¢/pt: our researched value for Capital One Miles · sources: TPG 1.85¢ (Aug 3, 2026), FrequentMiler 1.45¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
10×≈ 14% at 1.4¢/pt
Have it? Add it to your wallet →
5
Sapphire Reserve
Chase · $795/yr
8× on travel.
only when you book through the issuer's travel portal · redemption: Flat 1.5cpp portal redemption ELIMINATED 10/26/2025. Points Boost up to 2cpp on rotating flagged inventory only; cash-o…
≈12% at 1.5¢/pt: our researched value for Chase Ultimate Rewards · sources: TPG 2.05¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Nov 10, 2026 · issuer page
8×≈ 12% at 1.5¢/pt
Have it? Add it to your wallet →
6
Platinum Card
Robinhood (Coastal Community Bank) · $695/yr
10% on travel.
only when you book through the issuer's travel portal · Rental cars booked through the Robinhood app · requires a paid subscription on top of the annual fee
Terms verified Jul 30, 2026 · issuer page
7
Freedom Flex
Chase · no annual fee
5× on travel.
only when you book through the issuer's travel portal · redemption: UR points; combining to household CSR unlocks transfers + Points Boost
≈7.5% at 1.5¢/pt: our researched value for Chase Ultimate Rewards · sources: TPG 2.05¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Nov 9, 2026 · issuer page
5×≈ 7.5% at 1.5¢/pt
Have it? Add it to your wallet →
8
Freedom Unlimited
Chase · no annual fee
5× on travel.
only when you book through the issuer's travel portal · Chase Travel bookings
≈7.5% at 1.5¢/pt: our researched value for Chase Ultimate Rewards · sources: TPG 2.05¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
5×≈ 7.5% at 1.5¢/pt
Have it? Add it to your wallet →
9
Citi Strata Card
Citi · no annual fee
5× on travel.
only when you book through the issuer's travel portal · Hotels, car rentals & attractions booked via cititravel.com
≈7.5% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
5×≈ 7.5% at 1.5¢/pt
Have it? Add it to your wallet →
10
Sapphire Preferred
Chase · $95/yr
5× on travel.
only when you book through the issuer's travel portal · Chase Travel bookings
≈7.5% at 1.5¢/pt: our researched value for Chase Ultimate Rewards · sources: TPG 2.05¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
5×≈ 7.5% at 1.5¢/pt
Have it? Add it to your wallet →

How to read this

"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category, usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.

Rates are the published earn rate times the redemption value we researched for that card's currency: cash back at face value, points at the value in data/pointValues.json. That value is deliberately conservative: it is never higher than the lowest figure the sources printed on the row publish, so when The Points Guy says 2¢ and Frequent Miler says 1.5¢, every number here uses 1.5¢. Where only one source exists, the row says single-source value: rank it accordingly. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we could not value at all (see below).

This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place: that's what the app is for.

Not ranked, and why

These cards advertise a high earn rate for this category, but they pay in a currency we tried to value and could not: no published redemption rate, no transfer partners, nothing to check. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until a real number exists. (Every other points card on this page now ranks on a researched, sourced value: see the line under each row.)