Summit National
Summit Cash Preferred
- Rewards
- 2% on everything
- Intro offer
- $200 after $1,500 spend in 3 months
- Annual fee
- $0
- Flat-rate cash back
- No annual fee
- Cell phone protection
Best travel credit cards
Travel cards earn accelerated points on flights, hotels, and dining, and skip the 3% foreign transaction fee that everyday cards charge abroad. Annual fees range from $0 to $95+ — the math works when the credits and perks you will actually use exceed the fee.
excellent odds
Meridian Bank
Meridian Travel Elevate
- Rewards
- 3x travel & dining, 1x other
- Intro offer
- 60,000 points after $4,000 spend
- Annual fee
- $95
- No foreign transaction fees
- Transfer partners
- $50 annual hotel credit
Atlas Financial
Atlas Balance Builder
- Rewards
- 1.5% on everything
- Intro offer
- 0% APR on balance transfers for 18 months
- Annual fee
- $0
- Longest 0% window matched
- 3% transfer fee
- Free credit score tracking
Advertiser disclosure: card details are provided by partners and may change. Sample offers shown until partner integrations go live.
Travel cards: FAQs
Is a $95 annual fee worth it?
If you travel even twice a year, statement credits, free checked bags, or hotel credits usually cover the fee. If you rarely travel, a no-fee cash back card is the better deal.
What are transfer partners?
Some programs let you move points to airline or hotel loyalty programs, where redemption value can be 25%–50% higher than fixed-value bookings.
Do travel cards require excellent credit?
Premium cards typically want 700+, but several mid-tier travel cards approve good-credit applicants in the mid-600s.