CINXE.COM

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By understanding which card best suits your spending style and travel needs." /> <link rel="canonical" href="https://www.bankrate.com/credit-cards/travel/how-to-choose-the-best-travel-card/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="How To Choose The Best Travel Card In 5 Steps | Bankrate" /> <meta property="og:description" content="With so many options, how do you choose the best travel card? 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - 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mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans"> Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit"> Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans"> Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans"> Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link"> Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link"> Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link"> Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link"> Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link"> Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link"> Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link"> Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link"> What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link"> Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link"> Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link"> What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link"> Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link"> Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link"> HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link"> How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. </p> <p class="text-base text-gray-700"> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. </p> </div> <button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal" aria-label="close" @click="" ></button> </div> </div> </template> </div> </div> </div> <div class="flex gap-6 flex-col md:flex-row"> <div class="basis-1/2 flex-grow"> <h1 class="text-white heading-1 text-pretty"> How to choose the best travel card in 5 steps </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="Ariana Arghandewal" /> <img srcset="https://www.bankrate.com/2018/11/13112827/MGP_2325.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2018/11/13112827/MGP_2325.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2018/11/13112827/MGP_2325.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2018/11/13112827/MGP_2325.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-10 shrink-0" alt="Holly D. Johnson" /> <img srcset="https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-5 shrink-0" alt="Alice Lesperance" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('gQcnSo', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-gQcnSo" aria-controls="tooltip-content-gQcnSo" x-bind="trigger" > Ariana Arghandewal </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-gQcnSo" aria-hidden="true" aria-labelledby="tooltip-trigger-gQcnSo" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/05/28100048/Ariana-Arghandewal-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/ariana-arghandewal/" class="Link Link--standalone text-gray-900"> Ariana Arghandewal </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Contributor, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2" viewBox="0 0 24 24" 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0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Personal finance </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Credit cards </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Ariana Arghandewal is a personal finance expert specializing in credit cards and travel rewards. She is passionate about helping people leverage credit card rewards to realize their travel goals. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/ariana-arghandewal/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="How to choose the best travel card in 5 steps" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/ariana-arghandewal/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="How to choose the best travel card in 5 steps" data-name="author_link_mobile" data-position="byline" data-text="Ariana Arghandewal" data-outcome="open author's page" >Ariana Arghandewal</a> </div> and <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('W9jLnS', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-W9jLnS" aria-controls="tooltip-content-W9jLnS" x-bind="trigger" > Holly D. 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In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/holly-d-johnson/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="How to choose the best travel card in 5 steps" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" href="https://twitter.com/ClubThrifty" target="_blank"> <span class="sr-only">Connect with Holly D. 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Johnson</a>, </div> Edited by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('6IaVGw', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-6IaVGw" aria-controls="tooltip-content-6IaVGw" x-bind="trigger" > Alice Lesperance </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-6IaVGw" aria-hidden="true" aria-labelledby="tooltip-trigger-6IaVGw" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/alice-lesperance/" class="Link Link--standalone text-gray-900"> Alice Lesperance </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Editor, Credit cards</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div 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1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Credit cards </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Rewards credit cards </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Alice Lesperance is an editor on the Bankrate team. Alice has more than 9 years of professional writing and editing experience, and she is passionate about helping people at all stages of their credit card journeys take control of their personal finances. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/alice-lesperance/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="How to choose the best travel card in 5 steps" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/alice-lesperance/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="How to choose the best travel card in 5 steps" data-name="author_link_mobile" data-position="byline" data-text="Alice Lesperance" data-outcome="open author's page" >Alice Lesperance</a> </div> </div> <div class="col-span-full text-blue-200 text-xs sm:col-start-2"> Published on November 20, 2024 <span class="inline-block text-blue-700 px-2">|</span> 7 min read </div> </div> <div class="mt-4 relative z-0 sm:mt-8 lg:hidden"> <div class="flex gap-4 relative py-4 border-t text-xs justify-between items-start text-white border-blue-700" class="" x-data="{ accordionOpen: 1 }" x-id="['disclaimer-accordion']" :id="$id('disclaimer-accordion')" > <div class="[&_:where(button,a)]:z-5 [&_:where(button,a)]:relative [&_:where(button,a)]:text-lavender-200 hover:[&_:where(button,a)]:text-lavender-300 focus-visible:[&_:where(button,a)]:text-lavender-400 active:[&_:where(button,a)]:text-lavander-400"> <p class="m-0"> Bankrate is always editorially independent. <span x-show="accordionOpen" x-transition x-cloak data-disclaimer-type="credit-cards"> While we adhere to strict <button class="underline underline-offset-4 bg-transparent p-0 cursor-pointer" data-modal="toggle" data-target="#editorial-integrity" > editorial integrity </button>, this post may contain references to products from our partners. 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'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 3. Rewards categories </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('four')}" href="#four" data-id="four" @click.prevent="jumpTo('four')" @keydown.space="jumpTo('four')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="4. Travel perks" data-position="4" data-text="4. Travel perks" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('four') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. 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Co-branded vs. general travel card"},{"id":"two","heading":"2. Sign-up bonuses"},{"id":"three","heading":"3. Rewards categories"},{"id":"four","heading":"4. Travel perks"},{"id":"five","heading":"5. Card fees"}] })' > <div class="py-12 border-y border-blue-200 max-md:hidden" data-beam-element-viewed id="" data-type="LIST" data-location="SHELF-TOC" data-name="shelf_toc" data-position="top" data-text="table_of_contents" data-outcome="INTERNALLINK" > <nav class="flex justify-around items-start gap-6" aria-label="Table of contents" > <p class="shrink-0 w-48 m-0 text-4xl font-bold text-gray-900"> Table of contents </p> <ul class="list-none m-0 flex flex-col gap-4 w-full"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('one')}" href="#one" data-id="one" @click.prevent="jumpTo('one')" @keydown.space="jumpTo('one')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="1. 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'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 3. Rewards categories </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('four')}" href="#four" data-id="four" @click.prevent="jumpTo('four')" @keydown.space="jumpTo('four')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="4. Travel perks" data-position="4" data-text="4. Travel perks" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('four') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. Travel perks </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('five')}" href="#five" data-id="five" @click.prevent="jumpTo('five')" @keydown.space="jumpTo('five')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="5. Card fees" data-position="5" data-text="5. Card fees" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('five') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 5. 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Co-branded vs. general travel card" data-position="1" data-text="1. Co-branded vs. general travel card" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('one') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 1. Co-branded vs. general travel card </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('two')}" href="#two" data-id="two" @click.prevent="jumpTo('two')" @keydown.space="jumpTo('two')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="2. Sign-up bonuses" data-position="2" data-text="2. Sign-up bonuses" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('two') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 2. Sign-up bonuses </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('three')}" href="#three" data-id="three" @click.prevent="jumpTo('three')" @keydown.space="jumpTo('three')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="3. Rewards categories" data-position="3" data-text="3. Rewards categories" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('three') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 3. Rewards categories </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('four')}" href="#four" data-id="four" @click.prevent="jumpTo('four')" @keydown.space="jumpTo('four')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="4. Travel perks" data-position="4" data-text="4. Travel perks" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('four') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. Travel perks </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('five')}" href="#five" data-id="five" @click.prevent="jumpTo('five')" @keydown.space="jumpTo('five')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="5. Card fees" data-position="5" data-text="5. Card fees" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('five') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 5. Card fees </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <div id="block_6b980c61d04cf1e05735e839e54e838b" class="key-takeaways sm:border-l-4 border-[var(--accent)] sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">  <h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4"> <span class="shrink-0">Key takeaways</span> <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-[var(--accent)] max-sm:rounded-full max-sm:block"></span> </h2>  <ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none"> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> People can find travel credit cards that are co-branded with a specific airline or hotel loyalty program, as well as general travel credit cards that apply to most types of travel. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Many frequent travelers sign up for a new travel credit card in order to score a big welcome bonus, yet it’s crucial to consider a card’s long-term value, as well. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> With travel credit card annual fees ranging from $0 to $695 (or more), people need to assess the value of the travel perks they’ll receive to know if an individual card makes sense for them. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Ultimately, the best travel credit card for someone will be the one that gets them the most in rewards and benefits for the annual fee they pay. </li> </ul> </div> <p>Choosing the best travel credit card can be a tough decision, mostly because there are multiple card issuers, rewards programs and types of travel rewards you can earn. That said, the right travel credit card can help you earn points or miles for free travel and <a href="https://www.bankrate.com/credit-cards/travel/travel-toolkit/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="improve your travel experience" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">improve your travel experience</a>. After all, many top travel credit cards come with annual free nights, travel insurance, waived checked baggage fees, airport lounge access and more.</p> <div id="top-funnel-content-top"></div> <div id="top-funnel-content-mid"></div> <p>Before you choose a <a href="https://www.bankrate.com/credit-cards/travel/how-do-travel-rewards-work/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="travel credit card" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">travel credit card</a>, you’ll need to understand which type of travel card best suits your spending style and travel needs. Below are five steps to follow to help you choose the best card for traveling:</p> <h2 id="one" data-beam-element-viewed data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Credit Cards, Travel" data-position="h2_second_placement" data-name="h2_second_placement" data-text="5 steps to choose a travel card" data-outcome>1. Decide between a co-branded or general travel credit card</h2> <p>Before you do anything else, you’ll want to think long and hard about the <a href="https://www.bankrate.com/credit-cards/travel/travel-card-points-vs-miles/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="type of travel rewards you want to earn" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK">type of travel rewards you want to earn</a>. You can start by considering how much flexibility you’d like when it comes to <a href="https://www.bankrate.com/credit-cards/travel/best-way-to-use-points-for-travel/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="redeeming points or miles" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK">redeeming points or miles</a>, along with your typical travel style and whether you have any preferred airlines or hotels.</p> <p>When looking for the <a href="https://www.bankrate.com/credit-cards/travel/best-travel-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best credit card for travel rewards" data-type="LINK" data-position="5" data-name="article-link" data-outcome="INTERNALLINK">best credit card for travel rewards</a>, there are two primary types of travel credit cards to consider: <a href="https://www.bankrate.com/credit-cards/advice/co-branded-credit-cards-guide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="co-branded travel credit cards" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK">co-branded travel credit cards</a> and <a href="https://www.bankrate.com/credit-cards/rewards/types-of-rewards-credit-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="general travel rewards credit cards" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK">general travel rewards credit cards</a>.</p> <div class="DefinitionList mb-8 DefinitionList--table">  <h3 class="type-heading-three leading-8 sm:leading-10 mb-6"> Quick definitions </h3>  <dl> <div class="Definition-item flex"> <dt class="text-gray-900">Co-branded travel credit card</dt> <dd class="text-gray-700"> Co-branded travel credit cards are issued by a bank in partnership with a specific airline or hotel loyalty program. You earn rewards in the form of the airline or hotel’s loyalty currency. </dd> </div> <div class="Definition-item flex"> <dt class="text-gray-900">General travel credit card</dt> <dd class="text-gray-700"> General travel credit cards are issued by a bank and are not aligned with a particular airline or hotel brand. Travel rewards earned from general travel credit cards are redeemable in a variety of ways, often including through an issuer’s travel portal or by transferring them to travel partners (where eligible). </dd> </div> </dl> </div> <p>Many co-branded travel credit cards come with on-brand travel perks. For co-branded airline cards, that typically means free checked bags, priority boarding, in-flight discounts and other <a href="https://www.bankrate.com/credit-cards/travel/best-worst-frequent-flier-programs/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="frequent flyer benefits" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK">frequent flyer benefits</a>. For co-branded hotel cards, that typically means annual hotel credits or automatic hotel elite status. Because co-branded cards let you earn and redeem rewards in a specific travel program, however, they’re best for travel loyalists who use the same brand frequently.</p> <p>Because co-branded cards let you earn and redeem rewards in a specific travel program, they’re best for travel loyalists who use the same brand frequently. That’s why Katie Kelton, a senior credit cards writer at Bankrate, uses her co-branded <a href="https://www.bankrate.com/credit-cards/reviews/southwest-rapid-rewards-priority-credit-card-review/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Southwest Rapid Rewards® Priority Credit Card" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">Southwest Rapid Rewards® Priority Credit Card</a> instead of a general rewards card.</p> <p>“I chose it because I almost exclusively fly Southwest, and I don’t like booking through issuer travel portals,” says Kelton. “With the card, I got a hefty welcome bonus and the potential to earn a Companion Pass. Plus, I accrue Southwest points with most of my spending — so any time I go to book a flight, it’s always covered by points. The simplicity of only using one brand just works for me.”</p> <p>General travel credit cards allow you to earn rewards in a <a href="https://www.bankrate.com/credit-cards/rewards/best-credit-card-rewards-programs/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="credit card rewards program" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">credit card rewards program</a> that lets you use your points or miles in various ways. For example, you may be able to transfer your rewards to several different airline and hotel loyalty programs or use them to purchase travel through your <a href="https://www.bankrate.com/credit-cards/travel/why-use-issuer-travel-portal/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="card issuer’s travel portal" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">card issuer’s travel portal</a>. You may also be able to redeem your rewards for statement credits, gift cards and select merchandise, among other options. Generally speaking, flexible travel credit cards are best for people who want to use rewards for travel without being tied down to a specific airline or hotel brand.</p> <h2 id="two">2. Look for a big welcome bonus</h2> <p>One of the easiest ways to <a href="https://www.bankrate.com/credit-cards/travel/how-to-start-travel-hacking/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="get massive value from travel cards" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">get massive value from travel cards</a> is to earn a welcome bonus. After all, many top travel credit cards offer welcome bonuses that are worth $1,000 or more, depending on how you redeem your rewards.</p> <p>For instance, the <a href="https://www.bankrate.com/credit-cards/reviews/chase-sapphire-reserve/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Chase Sapphire Reserve®" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">Chase Sapphire Reserve®</a> offers a welcome bonus of 60,000 points after spending $4,000 on purchases within the first three months of account opening. If you redeem that bonus for travel through the <a href="https://www.bankrate.com/credit-cards/travel/chase-ultimate-rewards-travel-portal-guide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Chase Travel℠ portal" data-type="LINK" data-position="14" data-name="article-link" data-outcome="INTERNALLINK">Chase Travel℠ portal</a>, your points will be worth 1.5 cents a piece, making your bonus worth $900. And if you redeem your bonus with a <a href="https://www.bankrate.com/credit-cards/rewards/chase-transfer-partners-how-to-get-best-value-for-points/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="high-value Chase transfer partner" data-type="LINK" data-position="15" data-name="article-link" data-outcome="INTERNALLINK">high-value Chase transfer partner</a>, your rewards could be worth around 2.0 cents according to <a href="https://www.bankrate.com/credit-cards/travel/points-and-miles-valuations/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="our points and miles valuations" data-type="LINK" data-position="16" data-name="article-link" data-outcome="INTERNALLINK">our points and miles valuations</a>, making your bonus worth $1,200.</p> <p>But before banking on those hefty credit card welcome bonuses, make sure you’re able to meet the <a href="https://www.bankrate.com/credit-cards/rewards/how-to-hit-minimum-spending-requirement-for-welcome-bonus/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="minimum spending requirements" data-type="LINK" data-position="17" data-name="article-link" data-outcome="INTERNALLINK">minimum spending requirements</a> within the required timeframe. For rewards cards, minimum spending requirements typically range from $500 to $15,000 and usually must be met within three to six months. Most people meet spending requirements by charging their daily expenses and monthly bills to their credit card, although that can become more difficult to manage on the higher end of the scale.</p> <p>Then again, some cards allow you to earn a big welcome bonus with as little as a single purchase. For example, the <a href="https://www.bankrate.com/credit-cards/reviews/aadvantage-aviator-red-world-elite-mastercard/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="AAdvantage® Aviator® Red World Elite Mastercard®" data-type="LINK" data-position="18" data-name="article-link" data-outcome="INTERNALLINK">AAdvantage® Aviator® Red World Elite Mastercard®</a>* offers 60,000 AAdvantage miles after making one purchase and paying the card’s annual fee ($99) in full within the first 90 days. This offer is especially impressive considering the <a href="https://www.bankrate.com/credit-cards/reviews/citi-aadvantage-platinum-select-world-elite-mastercard/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Citi® / AAdvantage® Platinum Select® World Elite Mastercard®" data-type="LINK" data-position="19" data-name="article-link" data-outcome="INTERNALLINK">Citi® / AAdvantage® Platinum Select® World Elite Mastercard®</a>*, which also comes with a $99 annual fee (waived the first 12 months), requires you to spend $2,500 within three months of account opening to earn 50,000 AAdvantage miles.</p> <p>If you’re thinking about opening a rewards card with a higher minimum spending requirement — such as $4,000 over three months — you’ll want to do the math to make sure you can meet this requirement with regular spending and bills. For example, spending $4,000 within three months of account opening requires you to have at least $1,334 in monthly expenses you can charge to the card for three months in a row.</p> <h2 id="three">3. Look for lucrative rewards categories that make sense for you</h2> <p>While there’s nothing wrong with going after a big bonus, you should also aim to earn rewards that align with your spending habits in order to reap the benefits of the card long-term. That’s where rewards cards that offer everyday bonus categories and travel perks come in.</p> <p>If you spend a lot in specific categories, it makes sense to look for cards that offer bonus rewards in those categories. For example, if you spend a lot on dining, gas and groceries, as well as on travel, the <a href="https://www.bankrate.com/credit-cards/reviews/citi-strata-premier-card/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Citi Strata Premier℠ Card" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">Citi Strata Premier℠ Card</a> could be a good choice. It offers:</p> <ul> <li>10X points on hotels, car rentals and attractions booked through the Citi Travel portal</li> <li>3X points on air travel and other hotel purchases, at restaurants, at supermarkets and at gas and EV charging stations</li> <li>1X points on all other purchases</li> </ul> <p>It also allows you to transfer your rewards to <a href="https://www.bankrate.com/credit-cards/rewards/citi-transfer-partners/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Citi’s airline and hotel partners" data-type="LINK" data-position="21" data-name="article-link" data-outcome="INTERNALLINK">Citi’s airline and hotel partners</a>, which can help you to get more value from your rewards.</p> <p>On the other hand, if you don’t want to keep track of which credit card to use (and when), you can opt for card like the <a href="https://www.bankrate.com/credit-cards/reviews/capital-one-venture-rewards-credit-card/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Capital One Venture Rewards Credit Card" data-type="LINK" data-position="22" data-name="article-link" data-outcome="INTERNALLINK">Capital One Venture Rewards Credit Card</a>, which has a higher flat rewards rate for all spending than the 1 percent you get with most category cards. This card gives you:</p> <ul> <li>5X miles on hotels, vacation rentals and rental cars booked through the <a href="https://www.bankrate.com/credit-cards/travel/capital-one-travel-portal-guide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Capital One Travel portal" data-type="LINK" data-position="23" data-name="article-link" data-outcome="INTERNALLINK">Capital One Travel portal</a> </li> <li>2X miles on all other purchases</li> </ul> <p>This card’s simple, flat-rate rewards structure allows you to earn extra points for every purchase, no matter the category. You can redeem your miles for statement credits, use them for travel purchases through the portal or transfer them to <a href="https://www.bankrate.com/credit-cards/travel/capital-one-adds-jetblue-transfer-partner/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Capital One travel partners" data-type="LINK" data-position="24" data-name="article-link" data-outcome="INTERNALLINK">Capital One travel partners</a> for even more value.</p> <h2 id="four">4. Identify which travel perks matter most to you</h2> <p>Next, you’ll want to look at rewards cards based on their <a href="https://www.bankrate.com/credit-cards/travel/benefits-needed-from-travel-card/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="travel benefits" data-type="LINK" data-position="25" data-name="article-link" data-outcome="INTERNALLINK">travel benefits</a> and protections. Ideally, you’ll find a travel credit card that offers perks you can actually benefit from, rather than ones that just sound flashy. The right benefits can help offset your card’s annual fee and generate hundreds of dollars worth of value every year.</p> <p>Premium travel cards <a href="https://www.bankrate.com/credit-cards/travel/pros-and-cons-of-travel-credit-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="tend to have the most benefits" data-type="LINK" data-position="26" data-name="article-link" data-outcome="INTERNALLINK">tend to have the most benefits</a>, although they also charge higher annual fees. For example, <a href="https://www.bankrate.com/credit-cards/reviews/the-platinum-card-from-american-express/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="The Platinum Card® from American Express" data-type="LINK" data-position="27" data-name="article-link" data-outcome="INTERNALLINK">The Platinum Card® from American Express</a> — which is frequently considered one of the <a href="https://www.bankrate.com/credit-cards/rewards/best-rewards-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best rewards cards" data-type="LINK" data-position="28" data-name="article-link" data-outcome="INTERNALLINK">best rewards cards</a> for travel — comes loaded with well over $1,000 worth of recurring benefits. These benefits come largely in the form of memberships and travel credits in exchange for a $695 annual fee. However, you’ll want to evaluate whether you can take advantage of enough of the card’s plentiful benefits to justify the card’s annual fee.</p> <p>As you compare travel credit cards with perks that can <a href="https://www.bankrate.com/credit-cards/advice/cards-worth-annual-fee/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="make the annual fee well worth paying" data-type="LINK" data-position="29" data-name="article-link" data-outcome="INTERNALLINK">make the annual fee well worth paying</a>, look for the following benefits:</p> <ul class="Accordion w-full wp-block-accordion"> <li x-id="['panel-airport-lounge-membership', 'heading-airport-lounge-membership']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-airport-lounge-membership')" :aria-controls="$id('panel-airport-lounge-membership')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Airport lounge membership </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-airport-lounge-membership')" :aria-labelledby="$id('heading-airport-lounge-membership')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>Some of the <a href="https://www.bankrate.com/credit-cards/travel/best-credit-cards-airport-lounge-access/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best credit cards for airport lounge access" data-type="LINK" data-position="30" data-name="article-link" data-outcome="INTERNALLINK">best credit cards for airport lounge access</a> offer a <a href="https://www.bankrate.com/credit-cards/travel/your-guide-to-priority-pass/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Priority Pass Select" data-type="LINK" data-position="31" data-name="article-link" data-outcome="INTERNALLINK">Priority Pass Select</a> airport lounge membership, whereas others let you visit select lounges a certain number of times per year. Some issuers, like American Express and Capital One, even have their own airport lounge networks for eligible cardholders. Brooklyn Lowery, a senior credit cards editor at Bankrate, chose a card that would extend this perk to authorized users, too.</p> <p>“I opened the <a href="https://www.bankrate.com/credit-cards/reviews/capital-one-venture-x/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Capital One Venture X Rewards Credit Card" data-type="LINK" data-position="32" data-name="article-link" data-outcome="INTERNALLINK">Capital One Venture X Rewards Credit Card</a> a few years ago because of its airport lounge access and authorized user benefits, namely that my husband as an authorized user could get his own Priority Pass Select membership,” says Lowery. “He travels for work sometimes and uses the lounges without me, the primary cardholder, with him.”</p> <p> </p> </div></div> </li> <li x-id="['panel-airline-elite-status-boost', 'heading-airline-elite-status-boost']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-airline-elite-status-boost')" :aria-controls="$id('panel-airline-elite-status-boost')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Airline elite status boost </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-airline-elite-status-boost')" :aria-labelledby="$id('heading-airline-elite-status-boost')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>While <a href="https://www.bankrate.com/credit-cards/travel/best-airline-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="airline credit cards" data-type="LINK" data-position="33" data-name="article-link" data-outcome="INTERNALLINK">airline credit cards</a> don’t typically grant automatic elite status, some cards let you earn elite-qualifying points or miles toward elite status through credit card spending. The value of <a href="https://www.bankrate.com/credit-cards/travel/earn-airline-status-with-credit-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="earning elite status through credit card spending" data-type="LINK" data-position="34" data-name="article-link" data-outcome="INTERNALLINK">earning elite status through credit card spending</a> can be difficult to quantify, but it can help you reach the same level of status without having to spend as much on flights.</p> </div></div> </li> <li x-id="['panel-airline-perks', 'heading-airline-perks']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-airline-perks')" :aria-controls="$id('panel-airline-perks')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Airline perks </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-airline-perks')" :aria-labelledby="$id('heading-airline-perks')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>In addition to <a href="https://www.bankrate.com/credit-cards/travel/how-to-earn-frequent-flyer-miles/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="earning frequent flyer miles" data-type="LINK" data-position="35" data-name="article-link" data-outcome="INTERNALLINK">earning frequent flyer miles</a>, many airline credit cards come with <a href="https://www.bankrate.com/credit-cards/travel/best-credit-cards-with-free-checked-bags/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="free checked bags" data-type="LINK" data-position="36" data-name="article-link" data-outcome="INTERNALLINK">free checked bags</a>, <a href="https://www.bankrate.com/credit-cards/travel/best-airline-priority-boarding-credit-card/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="priority boarding" data-type="LINK" data-position="37" data-name="article-link" data-outcome="INTERNALLINK">priority boarding</a>, in-flight discounts on food and beverages and other airline perks you just can’t get with a general travel credit card. The free checked bag benefit alone can easily save you $30 per person per one-way flight, and some airline credit cards extend this perk to multiple people on your itinerary.</p> </div></div> </li> <li x-id="['panel-hotel-elite-status', 'heading-hotel-elite-status']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-hotel-elite-status')" :aria-controls="$id('panel-hotel-elite-status')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Hotel elite status </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-hotel-elite-status')" :aria-labelledby="$id('heading-hotel-elite-status')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>Some hotel cards and general cards offer automatic hotel elite status. For example, the Amex Platinum Card offers complimentary <a href="https://www.bankrate.com/credit-cards/travel/guide-to-marriott-rewards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Marriott Bonvoy Gold Elite status" data-type="LINK" data-position="38" data-name="article-link" data-outcome="INTERNALLINK">Marriott Bonvoy Gold Elite status</a> and <a href="https://www.bankrate.com/credit-cards/travel/guide-to-hilton-honors-rewards-program/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Hilton Honors Gold status" data-type="LINK" data-position="39" data-name="article-link" data-outcome="INTERNALLINK">Hilton Honors Gold status</a>.</p> </div></div> </li> <li x-id="['panel-annual-hotel-credits', 'heading-annual-hotel-credits']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-annual-hotel-credits')" :aria-controls="$id('panel-annual-hotel-credits')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Annual hotel credits </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-annual-hotel-credits')" :aria-labelledby="$id('heading-annual-hotel-credits')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>Some <a href="https://www.bankrate.com/credit-cards/travel/best-hotel-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="hotel credit cards" data-type="LINK" data-position="40" data-name="article-link" data-outcome="INTERNALLINK">hotel credit cards</a> and general travel credit cards come with annual credits for eligible hotel stays. For example, the Amex Platinum card offers up to $200 back in annual statement credits when you use the Amex Travel portal to book a Fine Hotels + Resorts or The Hotel Collection stay (two-night stay minimum required).</p> <p> </p> </div></div> </li> <li x-id="['panel-annual-credits', 'heading-annual-credits']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-annual-credits')" :aria-controls="$id('panel-annual-credits')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Annual credits </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-annual-credits')" :aria-labelledby="$id('heading-annual-credits')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> <p>Beyond application or membership fee credits for TSA PreCheck, Global Entry, NEXUS or Clear Plus, many general travel credit cards also offer flexible credits to cover general travel purchases (usually up to $300 worth) or other, more specific annual credits. Some commonly-featured annual credits to look for include airline fee credits for incidentals with a particular airline, gym membership credits, credits for eligible subscription services, Uber or Lyft credits, dining credits or credits with a specific retailer.</p> <p>While <a href="https://www.bankrate.com/credit-cards/travel/travel-insurance-guide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="travel insurance" data-type="LINK" data-position="41" data-name="article-link" data-outcome="INTERNALLINK">travel insurance</a> isn’t usually a perk that makes paying an annual fee worth it alone, many of the best general travel credit cards come with numerous travel insurance benefits. Some travel insurance perks to look for include <a href="https://www.bankrate.com/credit-cards/travel/trip-cancellation-and-interruption-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="trip cancellation and interruption insurance" data-type="LINK" data-position="42" data-name="article-link" data-outcome="INTERNALLINK">trip cancellation and interruption insurance</a>, primary or secondary <a href="https://www.bankrate.com/credit-cards/news/credit-cards-and-car-rental-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="auto rental coverage" data-type="LINK" data-position="43" data-name="article-link" data-outcome="INTERNALLINK">auto rental coverage</a>, trip delay reimbursement, baggage delay insurance, lost or damaged baggage protection and emergency medical benefits.</p> <p> </p> </div></div> </li> </ul> <h2 id="five">5. Do the math to minimize fees</h2> <p>Are <a href="https://www.bankrate.com/credit-cards/travel/are-travel-cards-worth-it/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="travel credit cards worth it?" data-type="LINK" data-position="44" data-name="article-link" data-outcome="INTERNALLINK">travel credit cards worth it?</a> It all depends on the perks you’ll get in exchange for paying an annual fee, and how much that annual fee costs. If you’re considering a travel credit card with an annual fee under $100, justifying the cost should be easy the first year. After all, many travel credit cards offer welcome bonuses worth $500 or more, and that’s on top of the rewards you earn on your spending.</p> <p>Take the <a href="https://www.bankrate.com/credit-cards/reviews/chase-sapphire-preferred-card/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Chase Sapphire Preferred® Card" data-type="LINK" data-position="45" data-name="article-link" data-outcome="INTERNALLINK">Chase Sapphire Preferred® Card</a>, for example. At the moment, the sign-up bonus for this card is 60,000 points when you spend $4,000 within three months of account opening. That’s worth $750 in travel when you book through <a href="https://www.bankrate.com/credit-cards/rewards/chase-ultimate-rewards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Chase Travel℠" data-type="LINK" data-position="46" data-name="article-link" data-outcome="INTERNALLINK">Chase Travel℠</a>, which more than offsets the $95 annual fee.</p> <p>However, you don’t have to pay an annual fee for a travel credit card at all. There are plenty of <a href="https://www.bankrate.com/credit-cards/travel/best-no-annual-fee-travel-credit-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="travel credit cards with no annual fee" data-type="LINK" data-position="47" data-name="article-link" data-outcome="INTERNALLINK">travel credit cards with no annual fee</a> that offer solid value. For example, the <a href="https://www.bankrate.com/credit-cards/reviews/discover-it-miles/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Discover it® Miles" data-type="LINK" data-position="48" data-name="article-link" data-outcome="INTERNALLINK">Discover it® Miles</a> comes with a $0 annual fee and unlimited 1.5X miles on all purchases. Plus, Discover will match all the miles earned at the end of your first year.</p> <p>It’s also important to be aware of <a href="https://www.bankrate.com/credit-cards/travel/a-guide-to-foreign-transaction-fees/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="foreign transaction fees" data-type="LINK" data-position="49" data-name="article-link" data-outcome="INTERNALLINK">foreign transaction fees</a>. Most travel credit cards waive this fee, but not all of them. These fees are usually around 3 percent of each transaction made in foreign currency and they can really add up if you spend a lot overseas. In that case, a <a href="https://www.bankrate.com/credit-cards/travel/best-no-foreign-transaction-fees/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="credit card with no foreign transaction fees" data-type="LINK" data-position="50" data-name="article-link" data-outcome="INTERNALLINK">credit card with no foreign transaction fees</a>, even if it comes with an annual fee, might save you more in the long run.</p> <h2>The bottom line</h2> <p>The right travel credit card for you depends on factors like how often you travel, the type of rewards you’ll use, the benefits you want the most and how much you’re willing to pay to hold the card. Fortunately, there are so many amazing travel rewards credit cards on the market today that you’re sure to find one that suits your needs.</p> <p>Take the time to compare our list of the <a href="https://www.bankrate.com/credit-cards/travel/best-travel-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best travel credit cards" data-type="LINK" data-position="51" data-name="article-link" data-outcome="INTERNALLINK">best travel credit cards</a>. Then, make an informed decision based on your research. If you don’t find yourself traveling often enough to justify a travel card, then a <a href="https://www.bankrate.com/credit-cards/cash-back/best-cash-back-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="cash back card" data-type="LINK" data-position="52" data-name="article-link" data-outcome="INTERNALLINK">cash back card</a> might be a better fit for your needs.</p> <p>Also, know that you’re not stuck with the same card forever. If you wind up disappointed with the card you select, you can always <a href="https://www.bankrate.com/credit-cards/advice/things-to-know-before-switching-credit-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="request a product change" data-type="LINK" data-position="53" data-name="article-link" data-outcome="INTERNALLINK">request a product change</a> or apply for a new card that better meets your needs.</p> <p class="text-sm text-slate"><em>Information about the AAdvantage® Aviator® Red World Elite Mastercard® and Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by Bankrate and has not been reviewed or approved by the issuer.</em></p> </div> <div id="top-funnel-content-end" class="text-center" > </div> <div class="flex flex-wrap gap-x-1 gap-y-4 justify-between w-full mb-10">  <button data-beam-element-clicked id="cite_us_article_button" data-type="button" data-location="How to choose the best travel card in 5 steps" data-name="cite_us_button" data-position="footer" data-text="cite_us" data-outcome="cite us" class="transition-all cursor-pointer font-sans font-bold inline-flex justify-center items-center text-center no-underline tracking-tighter focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 border rounded-full group py-2 px-4 min-h-10 text-sm sm:text-md sm:leading-none bg-white border-blue-600 text-blue-600 hover:border-blue-600 hover:bg-blue-600 hover:text-white focus-visible:border-blue-600 focus-visible:bg-blue-600 focus-visible:text-white active:border-blue-700 active:bg-blue-700 active:text-white" data-target="#cite-us-1d62bdf2-2a3d-45d0-956d-dfe856b5ea62-modal" > <svg class="mr-2" width="16" height="16" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Edit Icon</title><path d="M16.489 4.3c-.667 0-1.32.3-1.736.874l-8.97 12.24a4.537 4.537 0 0 0-.833 2.622l.028 2.432c0 .478.236.929.625 1.215.389.287.888.37 1.36.246l2.32-.669c1-.287 1.874-.902 2.471-1.735L20.64 9.41a2.11 2.11 0 0 0-.472-2.964l-2.402-1.722a2.144 2.144 0 0 0-1.263-.41l-.014-.013Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.407 21.856c.57.43 1.26.644 1.95.644l-.036-.012c.316 0 .63-.048.934-.131l2.024-.584a5.932 5.932 0 0 0 3.199-2.242l5.932-8.091a1.049 1.049 0 0 0 .092-.125l1.72-2.347a3.726 3.726 0 0 0-.836-5.246L17.289 2.22c-1.696-1.216-4.084-.858-5.332.823l-7.83 10.694a5.888 5.888 0 0 0-1.078 3.422l.025 2.122a3.208 3.208 0 0 0 1.333 2.575ZM17.492 9.507l1.19-1.624a1.84 1.84 0 0 0-.411-2.587l-2.097-1.502a1.871 1.871 0 0 0-1.103-.358l-.012-.012a1.86 1.86 0 0 0-1.515.763l-1.182 1.614 5.13 3.706ZM11.226 7.35l-5.51 7.52a3.96 3.96 0 0 0-.728 2.289l.025 2.122c0 .417.206.81.545 1.061.34.25.776.322 1.188.215l2.024-.585a4.02 4.02 0 0 0 2.157-1.514l5.428-7.402-5.129-3.706Z" class="icon-base"/></svg> <span class="text-base text-gray-900 group-hover:text-white"> Cite us </span> </button>  <div x-data x-init="$nextTick(() => { window.initModal('cite-us-1d62bdf2-2a3d-45d0-956d-dfe856b5ea62-modal', 1); })" > <template x-teleport="#modalStack"> <div id="cite-us-1d62bdf2-2a3d-45d0-956d-dfe856b5ea62-modal" class="Modal is-closed " role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="cite-us-1d62bdf2-2a3d-45d0-956d-dfe856b5ea62-modal" aria-label="close" @click="" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="p-6 bg-white shadow-xl rounded-lg max-w-3xl"> <div class="pb-6 border-b border-gray-100">  <strong class="type-heading-four m-0" id="cite-us-1d62bdf2-2a3d-45d0-956d-dfe856b5ea62-modal-title"> Quick citation guide </strong>  <span class="block type-size-one mt-1"> Select a citation to automatically copy to clipboard. </span> </div> <div class="flex flex-col text-gray-700 mt-6 gap-6"> <div id="apaClipboard" class="CiteUs-clipboard relative hover:bg-blue-100 rounded cursor-pointer" data-beam-element-clicked id="apa-button" data-type="BUTTON" data-location="how_to_choose_the_best_travel_card_in_5_steps_page" data-name="clipboard_copy_arghandewal_a_d_johnson_h_2024_november_20_how_to_choose_the_best_travel_card_in_5_steps_bankrate_retrieved_november_30_2024_from_httpswwwbankratecomcredit_cardstravelhow_to_choose_the_best_travel_card" data-position="top" data-text="Arghandewal, A., & D. 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right;margin-inline-start: 2em;margin-inline-end: 0;}body .is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}body .is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}body .is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}body .is-layout-flex{flex-wrap: wrap;align-items: center;}body .is-layout-flex > *{margin: 0;}body .is-layout-grid{display: grid;}body .is-layout-grid > *{margin: 0;}body{color: var(--color-slate);font-family: 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