Best Travel Credit Cards of December 2025

Planning your next big adventure? Whether you're jet-setting to the Maldives or hopping a quick flight for a weekend getaway, the right travel credit card can make all the difference. Not only can you rack up points and rewards, but the perks – like airport lounge access and waived baggage fees – can make travel smoother and way more enjoyable.

But which card should you pack in your wallet? We've scouted out some of the best travel credit cards for 2025, so you can focus on packing your bags while your card handles the rest.

How do travel credit cards work?

Travel credit cards let you earn points or miles on purchases, which can be redeemed for flights, hotel stays, car rentals, and more. Typically, these cards offer bonus points for travel-related purchases and come with perks like travel insurance, airport lounge access, and priority boarding. Some cards also waive foreign transaction fees, making them ideal for international travel.

When you use your card, you accumulate rewards that can be redeemed through the card issuer's travel portal or transferred to airline and hotel loyalty programs. The key is to choose a card that aligns with your travel habits – whether you prefer racking up miles on flights or earning flexible points that can be used across various travel categories.

How to choose a travel credit card: 5 factors to consider

Here's what to consider as you browse different travel credit cards.

1. Rewards

When it comes to rewards, it’s essential to decide between points or miles. Points tend to offer more flexibility, often redeemable for a wide variety of purchases, while miles are typically geared toward flights and travel-specific rewards.

It’s important to think about redemption flexibility. Some cards offer better redemption options for flights, hotels, or travel packages, while others may lock you into a single travel provider or have limited reward partners.

Also consider bonus categories that align with your spending habits. For example, if you frequently dine out or spend heavily on groceries, look for cards that reward you extra points or miles in those categories.

2. Annual fee

The annual fee on a travel credit card can range from $0 to several hundred dollars. To determine if it’s worth it, weigh the value of the card’s benefits against the fee. Do the rewards, perks, and potential savings outweigh the cost?

Consider the perks associated with the annual fee, such as airport lounge access, elite status upgrades, or complimentary travel insurance. For frequent travelers, it’s possible that these benefits can more than justify the yearly cost.

3. Foreign transaction fees

If international travel is in your plans, avoiding foreign transaction fees is crucial. These fees, typically around 3%, can add up quickly when you’re making purchases abroad. Choosing a card with no foreign transaction fees will help you save money while exploring the world.

Even if you don’t travel internationally often, consider whether your card may be used for online purchases from international retailers, where these fees might also apply.

4. Welcome bonus

Welcome bonuses can be a huge draw, offering a substantial amount of points or miles after meeting a spending requirement within a set timeframe. Evaluate the value of the bonus and whether you can realistically hit the spending target without stretching your budget.

It's important to note that welcome bonuses can change depending on the card. Make sure to research whether the welcome bonus on a card you're eyeing has changed at all in the recent past.

Also, pay attention to the timeframe. Some bonuses require the spending to be completed within a few months, so be sure it aligns with your spending habits to avoid unnecessary purchases just to qualify.

5. Travel benefits

Priority boarding is a common perk offered by travel cards, allowing you to skip long lines and settle in faster. This benefit can enhance your travel experience, especially during peak seasons.

Look for baggage benefits such as free checked bags or priority handling. These perks can save you money on airline fees and add convenience to your trips.

Lastly, travel insurance coverage, like trip cancellation or delay protection, can provide peace of mind. Some cards also include coverage for lost luggage, rental car insurance, or emergency medical assistance.

How to compare travel credit cards

When comparing travel credit cards, it’s easy to get lost in the details. Here’s a simple roadmap to help you find the card that fits your lifestyle and financial goals:

1. Assess your spending needs and financial goals

Start by analyzing your spending habits, including how often you travel and what you typically spend on when you’re on the go. Do you prefer earning rewards for flights, hotel stays, or overall travel expenses? This will guide you toward a card that aligns with your travel objectives.

2. Utilize comparison tools

Online comparison tools can be your best friend. They allow you to view multiple credit card offers side-by-side, helping you quickly compare key factors like rewards, fees, and travel perks. Take advantage of these tools to streamline your decision-making process and get a clearer picture of which card offers the best value.

MoneyLion has an example of a tool for how you can compare credit cards below:

3. Scrutinize the fine print

It’s easy to get caught up in the attractive offers, but understanding the fine print is essential. Pay close attention to the terms of rewards programs, including redemption options and possible restrictions like blackout dates. Also, be on the lookout for hidden fees or clauses that could impact your travel experience.

4. Align with your lifestyle

Not every travel credit card fits every travel style. Consider how each card’s benefits match your travel habits. Do you travel frequently for business, or are you more of an occasional vacationer? Pick a card that not only offers rewards in your high-spending categories but also provides perks that elevate your trips.

Should I get a travel credit card?

Travel credit cards can be a game changer, but they’re not for everyone. Here’s what to consider to know if you should – or shouldn’t – consider one.

You should get a travel credit card if:

Earn rewards: Travel credit cards often offer rewards like points or miles that can be redeemed for flights, hotels, or other travel expenses. This can significantly reduce the cost of your trips.
Enjoy travel benefits: Many travel credit cards come with perks such as airport lounge access, priority boarding, and travel insurance. These benefits can enhance your travel experience and provide peace of mind.
Build credit: Responsible use of a travel credit card can help improve your credit score, which can help open doors to better financial opportunities in the future.

You shouldn't get a travel credit card if:

Annual fees: Some travel credit cards have high annual fees. If you don't use the card frequently or don't take advantage of the benefits, the annual fee may not be worth it.
High interest rates: If you carry a balance on your travel credit card, you'll be charged interest. High interest rates can quickly accumulate, making it difficult to pay off your debt.
Risk of overspending: Travel credit cards can make it easier to spend money, especially when you're not paying cash upfront. It's important to be mindful of your spending and avoid overextending yourself.

Elevate your travel game

Whether you're after luxury perks, no-fee simplicity, or miles for your next big trip, there's a travel credit card designed to get you there. Choose the one that aligns with your goals, and start turning your purchases into unforgettable experiences."