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Travel Rewards Credit Cards

There are three types of travel credit cards commonly available: those offering points redeemable only with particular hotel chains, those with miles tied to particular airlines, and those offering generic points or miles that can be redeemed for most types of travel expenses. With that being said, one of the biggest mistakes that consumers make is becoming too hung up on colorful marketing copy, even if that means applying for a card tied to a hotel or airline with which it would be very difficult to ultimately redeem.

Instead, we recommend applying for a travel rewards card that complements…show more

    3.5 3,102 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Travel when you want with no blackout dates
    • Fly any airline, stay at any hotel, anytime
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card
    • Auto rental insurance - Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    3.5 408 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,589 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,624 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts and spas with your Visa Signature® card
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature® Concierge
    • Special access to events - Your Visa Signature® card gets you special access and preferred seating at popular sporting events, premier golf outings and concerts
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance
    • Auto Rental Insurance - Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    4 2,529 reviews

    Chase Sapphire Preferred® Card


    chase sapphire preferred
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 16.24% - 23.24% (V)
    • Annual Fee Intro Fee of $0 for 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • Sleek metal card design
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Additional Info
    • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
    • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
    • See More Details & Reviews About The Chase Sapphire Preferred® Card
    3 1,434 reviews

    Barclaycard Rewards MasterCard®


    barclaycard credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 25.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Additional Info
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No annual fee
    • See More Details & Reviews About The Barclaycard Rewards MasterCard®
    4 259 reviews

    Premier Rewards Gold Card from American Express


    • Charge Card Balance must be paid in full each month
    • Regular Rate Not Applicable for Charge Cards
    • Annual Fee None 1st yr, $195 after
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 25,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
    • No matter where you’re traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
    • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
    • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
    • Terms and limitations apply.
    • Additional Info
    • There is a $0 introductory annual fee for the first year, then $195.
    • See More Details & Reviews About The Premier Rewards Gold Card from American Express
    4 370 reviews

    Gold Delta SkyMiles® Credit Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 50,000 miles +$50 statement credit
    • Minimum Credit Excellent
    • Rewards Details
    • Special Offer Expires July 6, 2016: Earn 50,000 bonus miles after you make $2,000 in purchases on your new Card within your first 3 months.
    • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Get 2 Miles per dollar spent on purchases made directly with Delta. Get 1 mile for every dollar spent on all other eligible purchases.
    • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
    • Settle in sooner with Priority Boarding.
    • Terms and Conditions apply.
    • Additional Info
    • Enjoy a $0 introductory annual fee for the first year, then $95.
    • See More Details & Reviews About The Gold Delta SkyMiles® Credit Card from American Express
    3.5 278 reviews

    The Amex EveryDay® Credit Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The The Amex EveryDay® Credit Card from American Express
    4.5 310 reviews

    Starwood Preferred Guest® Credit Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 25,000 Starpoints
    • Minimum Credit Excellent
    • Rewards Details
    • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • Receive free in-room, premium internet access. Booking requirements apply.
    • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
    • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
    • Terms and Conditions apply.
    • Additional Info
    • No Foreign Transaction Fees on international purchases.
    • $0 introductory annual fee for the first year, then $95.
    • See More Details & Reviews About The Starwood Preferred Guest® Credit Card from American Express
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    Expert’s Answers

    Do I have to be a frequent traveler to get a travel rewards credit card?

    By: Odysseas Papadimitriou, CardHub CEOWell, it depends on your motivation in opening a credit card with travel rewards. If you simply wish to take advantage of an offer with an attractive initial bonus (e.g. a free flight or free hotel), then by no means do you need to be a frequent traveler. Everyone takes vacations, after all. However, you should be a frequent traveler if you plan on using a travel credit card on an ongoing basis because not only do you want your rewards credit cards to match your biggest expenses, but you also need to be in a position to minimize the threat of rewards devaluation, which is only possible via frequent redemption. A frequent traveler is someone who compiles at least 30,000 air miles or 20 hotel nights a year.

    What type of travel rewards credit card should I get?

    By: Odysseas Papadimitriou, CardHub CEOObviously, if you’re just after an initial bonus, get whichever card offers the most free stuff that you can use. As explained above, only frequent travelers should use travel reward cards on an ongoing basis. So, assuming you are a frequent traveler, the type of card you get depends on your brand loyalty. If you always use the same airline or hotel, get the card affiliated with that company. If you use different accommodations, get the most lucrative generic travel credit card. Finally, if you do not travel that often, your best bet is a cash back credit card, since cash back is the most straightforward rewards currency and you can obviously use it for any type of purchase, including travel.

    How do I compare travel rewards programs?

    By: Odysseas Papadimitriou, CardHub CEOThe following are some important terms to watch out for when comparing travel rewards programs, as each impacts the usability and ultimate value of any such program:
    1. Rewards Value: Travel rewards are not only fragmented between points and miles, but also within each of these main rewards currencies. For example, one card might offer Hilton points, while another might have Capital One No Hassle Miles, and still another might provide American Airline AAdvantage miles. Given that this can make comparison difficult, it’s a good idea to reference your spending in past months in order to see how lucrative a given travel rewards card will be in dollar figures. In other words, determine how many points or miles you can expect to compile in, say, a month and what you can redeem them for. The price of this good or service is therefore the card’s monthly cash value, which you can, of course, compare to that of other cards. When doing your comparison, look out for any earning tiers -- which dictate the rate at which you earn points/miles, depending on how much you have spent in a certain period of time -- or earning caps -- which limit the rewards you can earn, typically in a month, quarter or year. Both obviously can affect how lucrative a particular travel reward credit card offer will be.
    2. Initial Bonus: The number of points/miles that certain travel rewards credit cards provide in return for new customers signing up and spending a certain amount within the first few months may exceed the rewards one could ordinarily earn during an entire year of card use. Gravitating toward such cards is therefore advisable. Just make sure you’ll be able to meet any spending requirements that may exist.
    3. Redemption Limitations: While rewards that do not expire are becoming increasingly popular as different credit card companies jockey for the business of the best consumers, if expiration is part of a particular travel rewards program, it will likely be tied to the passage of time or account inactivity. Similarly, things like blackout dates and limited room/seat availability are now less in evidence, but it’s worth double-checking to verify that your rewards will be practically beneficial and not just good on paper.
    4. Status points: In addition to points and miles redeemable for free stuff, certain hotel-affiliated and airline-affiliated credit cards also give you status points, which help you move up the loyalty ladder and get additional benefits. The inclusion of status points is a key factor for many brand-loyal travelers, especially when one airline or hotel chain offers multiple credit cards.

    What other travel-related benefits can I get from a credit card?

    By: Odysseas Papadimitriou, CardHub CEOWhile free flights and hotel stays are travel rewards cards’ most-talked-about benefits, you’ll usually get a few other perks as well. While the specifics depend on your card, the following are some of the most common ancillary benefits:
    1. Car rental collision damage insurance
    2. Roadside dispatch
    3. Emergency card replacement
    Other benefits that you can expect to receive with certain cards include:
    1. Free upgrades
    2. Priority check-in
    3. Free checked baggage
    4. Airport lounge access
    5. 24/7 concierge service
    6. Travel accident insurance
    7. Free companion tickets

    Can I have more than one travel rewards credit card?

    By: Odysseas Papadimitriou, CardHub CEOEven if you have the best travel rewards credit card for your lifestyle, there will inevitably be other rewards cards that you can use strategically to maximize the free money you bring in. There are two ways to supplement your travel rewards: 1) via lucrative initial bonuses; 2) by opening a couple of different cards, each providing the best possible rewards on one of your biggest expenses (e.g. airfare, hotel stays, groceries). For example, if you stay at Marriott hotels regularly for business, spend a lot on groceries, and wish to fly your family to your in-laws’ house this summer, having a Marriott credit card, a card like the Blue Cash Everyday from American Express (3% cash back at supermarkets), and an airline miles card offering a free flight for signing up will be extremely beneficial. Using multiple cards that excel in certain areas in order to garner the best possible overall terms is called the Island Approach to credit card use.

    What exchange rate do I get when I travel abroad?

    By: John Kiernan, Personal Finance EditorWhen using a travel reward card abroad, your purchases are automatically converted into U.S. dollars using your card network’s exchange rate. This is a good thing because Visa and MasterCard (the world’s most widely-accepted card networks) offer exchange rates that are roughly 8% lower than the cash exchange services at banks and around 15% lower than the services offered at airport kiosks, according to our Currency Exchange Study. On top of the exchange rate, a lot of travel credit cards charge fees for purchases processed abroad. If you plan on traveling outside the country, you should therefore focus your travel credit card search on the no foreign transaction fee credit cards section.

    Community Discussion

    Ask a question or help others find the best travel rewards credit cards by sharing some tips.

     
    Nov 13, 2015
    By:
    I think a hotel card should have a high rewards system. An example would be to have 5% cash back on gas. This would be good because people often drive to a hotel by car. They would need to refill the car so knowing that they have a card with high rewards, they will most likely go to hotel. Another thing would be to have a card with no overcharge limit. If you stay at a hotel for a long time and the cost is over your credit limit, you won't get charged extra.
    Nov 13, 2015
    By:
    A hotel rewards card should give points based on how much you spend on everything, not just travel related expenses. I would love a card that had no annual fee and that I could use toward a nicer hotel stay. I also think any kind of travel reward card should have no foreign transaction fees; those fees add up to a lot, so it's nice to have a card that doesn't charge extra for using it!
    Oct 22, 2015
    By:
    Knowing that I will be traveling a lot this year, I applied for the American Express Premier Rewards Gold (PRG) Card because I get rewarded 3x Membership Reward Points for ticket purchases that are directly booked with airlines. Moreover, the $100 airline fee credit per calendar year proved to be very useful. I booked a United award ticket and charged the associated taxes and booking fees on my PRG card. To my surprise, the aforementioned charges qualified for the airline fee credit. Membership Points redemption are flexible, and I find them to be of best value when transferred to Avios.
    Oct 21, 2015
    By:
    I don't travel that frequently due to insufficient funds, so having a travel reward credit card unlocks the potential to start taking traditional vacations. Plus earning double points on what I spend the most money on, gas and groceries, is awesome. It has an extra benefit should I not even use the card very often, a 10% room discount and the increased ability to connect up to 4 devices on their WiFi. Plus, unlike most unsecured Chase credit cards, this one didn't require excellent credit to be approved.
    Oct 11, 2015
    By:
    I chose Amex Starwood Preferred card because Starwood has hotels all over the world and NO blackout nights for free night stays. Another good part of the Starwood Card the 3 points per dollar spent at the hotel including for the room itself which can add up pretty quickly.

    If you travel a lot and you like the Starwood hotels (Westin, St. Regis, Sheraton and Luxury Collection) then I would highly recommend this card.
    Sep 29, 2015
    By:
    Hotel credit cards definitely need some sort of incentive for continued use. Some kind of point system which will allow users to get discounts towards hotels would be a great. It should allow them to rack up points even on purchases such as gas or groceries. It should give discounts towards travel as well, such as airlines or car rentals. Users should be able to choose which services they wish to use; you don’t always know what airline or hotel would be ideal, so having that option is essential.
    Sep 29, 2015
    By:
    One of the best features of my Expedia + card from Citi is that I get access to being a Expedia + rewards member. Each time I use my card to book a hotel I can earn more rewards towards my next trip, but what is even cooler is out of the blue they send me offers to exclusive half price offers for certain hotels. They give me a link and I can surf around and look up cool vacation ideas in my members only discounted list of hotels. I do wish they gave you a bigger bang for your buck on how much many rewards you earn versus how much they charge you for your next hotel, but the half price offers really make up for that. I also think it would be better if they came standard with a chip in them for European travel where those are really needed.
    Sep 23, 2015
    By:
    I travel quite frequently, I always use the Chase Sapphire Preferred® Card. It is a reliable card to use when in any country as there are no credit card fees and no transaction fees as there normally would be in a normal credit card. I am able to monitor my transactions and the amount of points that I rack up as travel credits allows me to get cash back from my transactions so I am getting money back from spending money! And the best part is I didn't pay any annual fees the first year I had it. What a great card, would recommend.
    Aug 15, 2015
    By:
    I have an American Express Premier Rewards Gold card. I chose it as I got a 25000 point bonus when I signed up and all I had to do was spend $2000 in the first 3 months. I also chose this card as I get 3 points for every dollar spent on airfare and 2 points for every dollar spent on gas and dining at restaurants. I do a lot of travelling for work and they allow me to charge my expenses to my personal card and reimburse me. Chosing this card was a no brainer. I got free points since my employer pays off my card for me each month. The only drawback I can see for this card is the annual fee of $195 which takes effect after the first year. This is nominal though compared to the rewards I receive in return. I earn enough points in a year to fly my family and I anywhere in the US we want to go twice a year.
    Aug 4, 2015
    By:
    The American Express Premier Rewards Gold Card is an excellent travel card. American Express is always highly recommended from my friends that travel a lot. The main draw for me is the reward point system because they can add up quick and help with travel costs. If you want to sign up for this card, do so when you plan on making a big purchase like I did. If you spend $2,000 within the first 3 months you can get 25,000 rewards points! This card has many perks and lowers your travel costs if you use it regularly.
    Aug 3, 2015
    By:
    I'm not a heavy traveler, but I do go out of town three times a year, and since I'm using a credit card for the hotel anyway, I felt I should have a card that gave something back to me. For that reason, I applied for the Capital One Venture Credit Card, and it's worked out just fine for me. The rewards add up and don't expire, so I'm not forced to cash them in too early. Using the card at hotels and restaurants out of town makes me feel more like a traveler, and it's good to have a card designated for my travel expenses only.
    Jun 17, 2015
    By:
    A travel credit card must be able to provide a good amount of perks to warrant the usage of the card. For example, for staying at a particular branch of a hotel chain, one can get VIP access by booking with their credit card at no additional cost. There should also be a point system so that customers can use them for things like free nights and the like.
    Jun 10, 2015
    By:
    I use my travel card when I'm traveling for work or vacation. I feel that if you do a lot of traveling for work then this card is great for that but if you don't go on travels much like me then I suggest not getting this card but clearly it's best for work travels in my opinion. I like the card because you can get points on your plane, car and hotel expenses.
    Jun 10, 2015
    By:
    I’ve been through a few other cards because I like to travel mainly for pleasure. The Chase Sapphire Preferred Card is my preferred card for travel. Chase originally appealed to me because of the solid rate that has never changed. The low annual fee lets me feel good on my first travel after the new cycle What really caught me though was the offer to spend 4K and get $500 back. It definitely let me splurge a little bit and get some of it back. All around it's a pretty good card.
    May 12, 2015
    By:
    I do not currently have a travel rewards credit card, but if I had to compare the card I currently have (the PNC Bank CashBuilder Visa) to one on this list, it would be the Capital One Venture Rewards card. The main criteria I would use would be the annual fee and the interest rate. Currently, the PNC card has an interest rate between 12-22%, and this Capital One card has a very similar rate. Second, both have $0 annual fees, though, the Capital One card's fee increases to $39 after the first year.

    The main difference, though, is the rewards structure. PNC's card gives out rewards as a cash back deposit, while Capital One's card is in travel miles/points. This is the one big hangup I'm having on applying for a travel card: I'm not really the type of person to want to travel and would more appreciate an actual cash-based reward.
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