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What are travel credit cards, and how do they work?
Travel credit cards are financial products that offer various rewards and benefits geared towards frequent travelers. They typically earn you points or miles for every dollar spent on eligible purchases. These rewards can be redeemed for flights, hotel stays, car rentals, and other travel-related expenses. Travel credit cards may also include perks like travel insurance, airport lounge access, and no foreign transaction fees.
How do I choose the best travel credit card for my needs?
Choosing the best travel credit card depends on your travel habits, spending patterns, and preferences. Consider factors like the type of rewards offered (points, miles, or cash back), the card’s annual fee, sign-up bonuses, earning rates, redemption options, and additional travel perks. Analyzing these features will help you find a card that aligns with your lifestyle and offers the most value.
What are the benefits of using a travel credit card over other types of credit cards?
Travel credit cards provide unique advantages for travelers, such as earning rewards specifically tailored to travel expenses. Additionally, many travel credit cards offer travel-related perks like free checked bags, priority boarding, and travel insurance. Some cards also waive foreign transaction fees, making them ideal for international travelers.
What is a sign-up bonus, and how can I qualify for it?
A sign-up bonus is a promotional offer provided by the credit card issuer to entice new cardholders. To qualify for a sign-up bonus, you usually need to meet specific spending requirements within a certain timeframe after opening the account. The bonus can be in the form of points, miles, or cash back, and it’s a great way to jump-start your rewards earning.
Do travel credit cards charge foreign transaction fees?
Not all travel credit cards charge foreign transaction fees. Many of the top-tier travel cards waive these fees, making them ideal for international travel. However, it’s essential to read the card’s terms and conditions to confirm this before using it abroad.
How can I maximize the rewards earned with my travel credit card?
To maximize rewards, use your travel credit card for everyday expenses and large purchases. Take advantage of bonus categories and special promotions to earn more points or miles. Consider combining your travel credit card with loyalty programs to stack rewards and get even more value out of your purchases.
Hawaii is, without a doubt, one of the most popular destinations for US tourists. Its combination of natural wonders, unique cultures, tremendous food, and some of the most luxurious hotels on the planet place it high on many Americans’ bucket lists.
But the unique experience it offers wouldn’t be possible without its isolated position in the middle of the Pacific Ocean. Despite being an American state, it’s over 2,500 miles from the contiguous US, gifting it a foreign atmosphere without international restrictions.
But that distance means even the best airline to fly to Hawaii can be expensive. And with prices in Hawaii already sky-high, you’ll want to save where possible. Points and miles can help with that.
But which is the best airline to fly to Hawaii with points and miles? Let’s take a look.
The best airline to fly to Hawaii with points and miles
Finding the best airline to fly to Hawaii with points and miles can take some prerequisite research. While we can direct you to some of the best options, you’ll need to check your nearest airport’s routes and operators. Once you’ve done that, you can see if the advice we’ve offered can be applied to your situation.
It’s impossible for us to cover every city, but we’ve done what we can to utilize reliable airlines with redemptions that can be replicated from multiple destinations.
The best airline to fly to Hawaii with points and miles – Best overall – Turkish Airlines
You might find it odd, but the best airline to fly to Hawaii with points and miles isn’t an American carrier. It’s Turkish Airlines.
What might be even stranger is that you won’t actually fly on this airline either. You’ll fly with United. And that’s because you can use Turkish Airlines miles to redeem flights with United—often far cheaper than you could on United’s portal.
To highlight how impressive Turkish Airlines’ deals are, we should search for a United flight first. The average redemption rate for a one-way direct flight from New York to Honolulu is 25,000 miles plus $5.
The same flight redeemed through Turkish Airlines is only 7,500 miles plus $5.60.
If you wanted to fly business class, it would only be 12,500. You could get a return business class ticket with Turkish Airlines for less than a one-way economy ticket on United’s portal.
This rate is the same for any domestic flight within the US, as Turkish utilizes a zonal award chart. This is why Turkish Airlines is the best airline to fly to Hawaii with points and miles.
How to earn enough Miles&Smiles
To earn Turkish Airlines Miles&Smiles, you’ll either need to fly with the airline or its partners or open a credit card that transfers points to your Miles&Smiles account. Currently, only Capital One and Citi allow their customers to do this. Here are some cards you could use to do this.
The Capital One Venture X is one of the best premium cards on the market, offering a stellar 75,000-mile intro bonus after spending $4,000 within three months of opening the card. Do the math on that: you could fly to Hawaii and back five times with the bonus alone.
- Best for: Overall Travel
- Annual Fee: $395
- Regular APR: 19.99% - 29.49% variable
- Reward Rate: 2X - 10X
- Recommended Credit: 720-850
Capital One Venture X Rewards Credit Card
75,000 Bonus Miles
Offer Details:
75,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.
Why we like it
The Capital One Venture X is a direct competitor to the Chase Sapphire Reserve, and for many seeking a simpler earning scheme with premium perks, it could be the better option. But the Venture X truly shines with one benefit in particular: four free authorized users. Not only can they all use the card and earn miles, they all receive a Priority Pass membership which allows themselves and two guests access to airport lounges. In a highly improbable situation, that means you could technically bring 15 people into a lounge with you.
Reward details
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles per dollar on every purchase
Pros & Cons
Pros
Its solid intro bonus of 75,000 miles is worth well over $1,000 when transferred to partner airlines and hotels, or a flat rate $750 when redeemed on the Capital One Travel Portal.
Cardholders get a bonus of 10,000 miles each year after their first account anniversary, which is nothing to shrug off, especially when a little bit short of that business class flight. It’s worth almost $200 depending on how you use it.
The $300 annual credit for purchases made on the Capital One Travel Portal, combined with the yearly free miles, more than annul the $395 annual fee.
Four authorized users can be added for free.
Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
A generous offering of travel insurance, protections and reimbursements round out an excellent array of benefits.
Cons
The $300 credit is a bit less flexible than the Chase Sapphire Reserve’s comparable benefit.
Miles earning is the same as the Sapphire Reserve on portal-based purchases, but less on general travel spending.
Capital One transfer partners are solid, but still don’t include any US-based airlines or hotels.
Another outstanding but often overlooked option is the Citi Premier Card. Its low annual fee combined with a 60,000-point intro bonus after spending $4,000 within three months of opening the card make it an excellent choice. You could fly to Hawaii twice in business class and still have leftover points.
- Best for: Everyday Earning
- Annual Fee: $95
- APR: 20.49%- 28.49% (Variable)
- Reward Rate: 1X-10X
- Recommended Credit: 670-850
Citi Strata Premier℠ Card
75,000 Bonus Points
Offer Details:
75,000 Bonus Points after you spend $4,000 on purchases in your first 3 months of account opening - redeemable for $750 in gift cards or travel rewards at thankyou.com
Why we like it
The Citi Strata Premier Card is an underrated travel credit card that offers both high points-earning potential and simplicity. While the mid-tier card doesn’t come with any premium benefits, its earning on popular spending categories is almost unmatched. Holders earn 3X points on air travel, hotels, gas stations, supermarkets, and restaurants, making it ludicrously easy to accrue points. Throw in the healthy 75,000-point bonus and you’ve got a great haul of rewards on your hands.
Reward details
10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas, and EV Charging Stations.
1 Point per $1 spent on all other purchases
Pros & Cons
Pros
The 75,000-point intro bonus is worth $750 in gift cards and well over $1,000 when transferred to travel partners, making the $95 dollar annual fee an afterthought. You could ignore the card for a decade, and it would still be worth it.
Its earning potential is phenomenal: Earning 3X points on categories like gas and supermarkets, which are part of the average American’s biggest expenses, means the Citi Strata Premier will work hard for you on a daily basis.
Cardholders get a $100 hotel benefit each year on a hotel purchase of $500 or more. Not the greatest perk in the world, but a nice saving on an unexpected hotel stay that wipes out the yearly fee itself.
As it’s a World Elite Mastercard, cardholders will enjoy varied benefits like Lyft credits, upgrades and breakfast at select hotels, and cell phone protection.
Cons
Citi’s transfer partners are mainly foreign airlines, so using the points on US-based carriers will require some extra research.
Other mid-tier cards may offer some more interesting perks.
The best airline to fly to Hawaii with points and miles – Best for West Coast – British Airways
Another contender for the best airline to fly to Hawaii with points and miles is British Airways. Yet again, this non-American carrier won’t be the actual airline you’re flying with, but its rates are favorable to most domestic carriers and extremely easy to earn.
In this situation, you’ll fly with one of British Airways’ partners, American Airlines or Alaska Airlines.
British Airways uses a distance-based awards chart for its partners, so you can expect to find roundtrip flights with either of these airlines for around 16,000 Avios each way. Unlike Turkish Airlines, these redemptions are tied to the distance flown, so you can only score this value if you’re flying from the West Coast. Those in other parts of the country will have to spend more Avios.
How to earn enough British Airways Avios
Thankfully, earning Avios is easy. The airline has a number of different transfer partners to use, on top of spending money with the airline and its alliance members.
Here are just a few of the cards you can earn Avios with.
One of American Express’s best cards, the Gold, comes with an excellent 60,000-point intro bonus, earned by spending $6,000 within six months.
When you account for the spending required to hit that bonus, you’ll have at least 66,000 points—enough for two roundtrips to Hawaii.
- Best for: Foodies
- Annual Fee: $325
- Pay Over Time APR
- Reward Rate: 1X-4X
- Recommended Credit: 670-850
American Express® Gold Card
60,000 Membership Rewards® Points
Offer Details:
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases within your first 6 months of card membership
Why we like it
The American Express® Gold Card takes your dining and grocery spending to the next level, offering an impressive 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year, and 4X Membership Rewards® points per dollar spent at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
To put this into perspective, if you spend $8,400 annually on dining and groceries, which aligns with the average American’s spending, you could earn enough points for a roundtrip flight to Hawaii. Meanwhile, the bonus alone is worth over $1,000, adding significant value to your everyday spending.
Reward details
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pros & Cons
Pros
Earn 4X Membership Rewards® points per dollar spent at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
0% Intro APR for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.
$84 Dunkin’ Credit: Earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations.
Get up to $100 in statement credits each calendar year for dining at U.S. Resy restaurants or making other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys, totaling up to $120 per year. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Cons
$325 annual fee
No major travel perks like its bigger sibling, the Amex Platinum
The Capital One Venture X appears for the second time in this article, highlighting its adaptability. Once again, its 75,000-mile intro bonus can be earned by spending $4,000 within three months of opening the card and will leave you plenty of points to spare after getting you to Hawaii.
- Best for: Overall Travel
- Annual Fee: $395
- Regular APR: 19.99% - 29.49% variable
- Reward Rate: 2X - 10X
- Recommended Credit: 720-850
Capital One Venture X Rewards Credit Card
75,000 Bonus Miles
Offer Details:
75,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.
Why we like it
The Capital One Venture X is a direct competitor to the Chase Sapphire Reserve, and for many seeking a simpler earning scheme with premium perks, it could be the better option. But the Venture X truly shines with one benefit in particular: four free authorized users. Not only can they all use the card and earn miles, they all receive a Priority Pass membership which allows themselves and two guests access to airport lounges. In a highly improbable situation, that means you could technically bring 15 people into a lounge with you.
Reward details
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles per dollar on every purchase
Pros & Cons
Pros
Its solid intro bonus of 75,000 miles is worth well over $1,000 when transferred to partner airlines and hotels, or a flat rate $750 when redeemed on the Capital One Travel Portal.
Cardholders get a bonus of 10,000 miles each year after their first account anniversary, which is nothing to shrug off, especially when a little bit short of that business class flight. It’s worth almost $200 depending on how you use it.
The $300 annual credit for purchases made on the Capital One Travel Portal, combined with the yearly free miles, more than annul the $395 annual fee.
Four authorized users can be added for free.
Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
A generous offering of travel insurance, protections and reimbursements round out an excellent array of benefits.
Cons
The $300 credit is a bit less flexible than the Chase Sapphire Reserve’s comparable benefit.
Miles earning is the same as the Sapphire Reserve on portal-based purchases, but less on general travel spending.
Capital One transfer partners are solid, but still don’t include any US-based airlines or hotels.
Chase Sapphire Preferred® Card
Another option is the Chase Sapphire Preferred Card. Instead of opting for one of the cards above with a higher annual fee, the Preferred is only $95 a year. Despite the lower fee, it still boasts an incredible 60,000-point bonus after spending $4,000 within three months.
- Best for: Beginner Travelers
- Annual Fee: $95
- Variable APR: 20.74% - 27.74%
- Reward Rate: 1X - 5X
- Recommended Credit: 670-850
Chase Sapphire Preferred® Card
60,000 Bonus Points
Offer Details:
60,000 Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Why we like it
The Chase Sapphire Preferred Card is the ultimate all-around travel credit card—it fits perfectly into almost any points-earner’s wallet. Points novices can enjoy a significant intro bonus and easy to grasp spending categories with an approachable annual fee. The more experienced can utilize its high value earning potential as a secondary card and also gain access to Chase’s strong travel booking portal.
Reward details
5x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Pros & Cons
PROS
Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Travel℠.
The $50 dollar hotel credit for stays purchased on the Chase Travel Portal already cuts the already approachable $95 annual fee significantly.
A 10% annual points bonus is tacked on every year, adding a little more value.
A free year-long Doordash DashPass membership is also thrown in, which gives you free delivery and some extra discounts. It’s a solid perk if you order food delivery at least semi-frequently (Activate by 12/31/2027).
Along with all of the above, cardholders also have access to a string of travel protections like rental coverage, cancellation insurance, and purchase protection.
CONS
Maximizing the value of Chase points can still be complicated for complete novices.
Competing cards like the Capital One Venture have a better earning rate for non-bonused spend.
It’s subject to Chase’s 5/24 rule. So, if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
The best airline to fly to Hawaii with points and miles – Best for no blackout dates – Southwest Airlines
Our third option is a little different to the others. Instead of using an airline’s points or miles to book flights with a partner, Southwest Rapid Rewards can only be used on its own routes. Despite the lack of transferability, it can often be the best airline to fly to Hawaii with points and miles.
It’s different because its award redemptions are tied to the cash value of a flight, unlike Turkish Airlines and British Airways, which use awards charts.
For example, if a flight to Hawaii costs $500 on a Tuesday and $600 on a Wednesday, the points redemptions could be 75,000 and 90,000, respectively. The points are worth roughly 1.5 cents per dollar.
While these redemptions may not seem great compared to the other options we’ve provided, they can be useful for two reasons:
- They are seldom bad value because of the fixed rate
- There are no blackout dates or availability problems.
So, if you have a store of Rapid Reward points, and other airlines’ availability is low or doesn’t work with your dates, Southwest can come to the rescue. If you have a super-valuable Companion Pass, you can even bring someone along for almost nothing.
How to earn Rapid Rewards points
The only ways to earn Southwest Rapid Reward points are to fly with the airline or open one of its co-branded cards. Here are the details.
Southwest Rapid Rewards® Plus Credit Card
This excellent co-branded card is currently offering a 40,000-point intro bonus after spending just $1,000 within three months of opening the card. It also comes with solid perks like a couple of early check-ins, bonus anniversary points, and an annual Companion Pass qualification boost.
- Best for: Beginner Southwest Points
- Annual Fee: $69
- APR: 20.74% - 27.74% (Variable)
- Reward Rate: 1X - 2X
- Recommended Credit: 670-850
Southwest Rapid Rewards® Plus Credit Card
40,000 Bonus Points + $400 statement credit
Offer Details:
40,000 Bonus points after you spend $3,000 on purchases in the first 4 months from account opening.
Why we like it
The Southwest Rapid Rewards® Plus Credit Card is the popular airline’s entry-level card and offers solid value for those who fly with the carrier at least once a year. It comes with a few easy-to-use perks like 3,000 Southwest points every year after your first cardmember anniversary and two EarlyBird check-ins per year. It’s a good option for those who want to earn Southwest points on an ongoing basis and not have to pay a high annual fee.
Reward details
2X points on Southwest® purchases.
2X points on local transit and commuting, including rideshare.
2X points on internet, cable, and phone services; select streaming.
2X points on Rapid Rewards® hotel and car rental partners.
1X points on all other purchases.
Pros & Cons
Pros
Cardholders enjoy two EarlyBird check-ins a year which allows for earlier boarding and more seat selection.
The 3,000 annual bonus points are worth around $40 towards travel on Southwest.
25% discount on Southwest in-flight purchases when paying with the card
The intro bonus can be used for collecting points for the Companion Pass benefits
Elite status can be earned with day-to-day spending, and not just flights.
Cons
Charges foreign transaction fees
Southwest points cannot be transferred or used with any airline partners.
The point
As shown, travelers have a number of different ways to fly to Hawaii and barely spend a penny. These might be the most lucrative overall, but do your own research, and you might stumble across some outstanding deals.
by your friends at The Daily Navigator
