Best Cards with Travel Credit 2026

Annual travel credits that offset the cost of flights, hotels, and other travel purchases. 4 cards with $4,075+ in total sign-up bonus value.

Chase

Chase Sapphire Reserve

125,000 points
~$1,875 value
Spend Required$4,000 in 3 months
Annual Fee$550
Base Rewards1x on all purchases
3x dining3x travel10x hotels via portal+1 more
Apply NowDetails
Capital One

Capital One Venture X

75,000 miles
~$750 value
Spend Required$4,000 in 3 months
Annual Fee$395
Base Rewards2x on all purchases
10x hotels via Capital One Travel5x flights via Capital One Travel
Apply NowDetails
US Bank

US Bank Altitude Reserve

50,000 points
~$750 value
Spend Required$4,500 in 3 months
Annual Fee$400
Base Rewards1x on all purchases
3x travel3x mobile wallet purchases
Apply NowDetails
Chase

Southwest Rapid Rewards Priority

50,000 points
~$700 value
Spend Required$3,000 in 3 months
Annual Fee$149
Base Rewards1x on all purchases
3x Southwest2x local transit/commuting2x internet/cable/streaming
Apply NowDetails

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Frequently Asked Questions

How do travel credits work?

Travel credits automatically reimburse eligible travel purchases (flights, hotels, car rentals) up to the annual credit amount. They reset each cardmember year and effectively reduce your annual fee.

Which cards have the highest travel credit?

The Capital One Venture X offers a $325 annual travel credit, while the Chase Sapphire Reserve offers $300. Both credits apply broadly to travel purchases.

Do travel credits expire?

Travel credits typically reset annually on your cardmember anniversary. Unused credits from the previous year do not roll over.