Best Travel Credit Cards If You Want Cash Back

Compare some of the best credit cards for cash back and travel.

The option to earn cash back on a travel rewards credit card offers a considerable advantage for people who like to travel but prefer to use one credit card for earning rewards on their expenses. Rather than dealing with the hassle of keeping up with multiple cards and rewards programs, choosing one of the best travel cash-back credit cards can be well worth it. Find out how to get cash back using these different travel credit card offers.

These are the best travel rewards credit cards that also offer cash back:

Barclay’s Uber Visa Credit Card

Although Barclay’s Uber Visa carries the Uber name, don’t expect to reap the best rewards from this card on Uber ride purchases. Instead, you’ll qualify for the best cash-back credit card rewards by dining out, including using Uber Eats for food delivery purchases.

Best For: People who like frequenting bars or restaurants, as well as getting takeout

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Cash Back and Bonuses

Barclay’s Uber Visa credit card offers a host of cash back and bonus rewards:

  • 4 percent cash back on restaurants, takeout and bars — including Uber Eats
  • 3 percent cash back on airline tickets, hotels and vacation home rentals
  • 2 percent cash back on online purchases, including Uber
  • 1 percent back on all other purchases
  • $100 bonus after spending $500 in the first 90 days

Barclay’s Uber Visa Credit Card Pros

The biggest benefit of this card is its generous 4 percent cash-back rate for dining out, but here are some other positive aspects of the card to consider:

  • No annual fee
  • $50 subscription credit for online services if you spend at least $5,000 in one year
  • $600 worth of cellphone protection, including theft and damage, for paying your cellphone bill with the card

Barclay’s Uber Visa Credit Card Cons

Of course, as with every cash-back credit card, there are drawbacks. Here are the ones that might concern you:

  • No introductory APR or balance-transfer offer
  • Only 2 percent cash back on Uber rides

More Visa Cards: Amazon Rewards Visa Signature Card Review

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Chase Sapphire Preferred Credit Card

This might just be the best travel rewards card on the list depending on your needs. The highlight of this Chase card is to score the generous bonus within the first three months of opening the account, which can be redeemed for $500 in cash. In addition, the high-point value assigned to each travel and dining expense can add up quickly.

Best For: People who want to earn rewards for travel and dining purchases

Cash Back and Bonuses

The Chase Sapphire Preferred card offers a 50,000-point bonus for spending just $4,000 in 90 days. Here are some other perks this card offers:

  • 2x points for travel and dining purchases
  • 1 point for all other purchases
  • Points are worth 25 percent more when you redeem them for travel instead of cash

Chase Sapphire Preferred Credit Card Pros

The large introductory bonus presents a huge incentive for considering the Chase Sapphire Preferred card. Here are a couple more incentives:

  • $0 annual fee for the first year
  • Better-than-average travel protection benefits

Chase Sapphire Preferred Credit Card Cons

To help you make the best decision for your wallet, here are some potential drawbacks of the card:

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  • Opting for cash back doesn’t yield top-tier rewards rate
  • $95 annual fee applies after the first year

Other Chase Options: Chase Freedom vs. Chase Freedom Unlimited

AAA Member Rewards Visa Signature Card

With the AAA Member Rewards Visa Signature Card, not only can you earn cash back, but you can also get perks like discounts on sporting and entertainment events. And if you’re planning to make a balance transfer, this is one of the best travel credit cards because it has a 12-month, zero-interest offer available.

Best For: People who are AAA members

Cash Back and Bonuses

Members of AAA can earn top-tier rewards with this card on eligible AAA and travel purchases. Here are the specifics:

  • 3 percent cash back on qualifying AAA and travel purchases
  • 2 percent cash back on fuel, grocery and drugstore purchases
  • 1 percent cash back on all other purchases
  • $150 statement credit after spending $500 within first 90 days

AAA Member Rewards Visa Signature Card Pros

In addition to the high rewards rate, this card has some other benefits you might find of value:

Earn More Perks From Your Credit Card
  • No annual fee
  • Discounts on certain sporting and entertainment events
  • No annual limits on rewards
  • 0% introductory APR for the first 12 months on balance transfers

Try These: Best Balance-Transfer Credit Cards

AAA Member Rewards Visa Signature Card Cons

For people who have a “save for a rainy day” mentality, it’s helpful to note that points earned with this card do have a shelf life.

  • Points expire after five years
  • For late payments, penalty APR of up to almost 30 percent might be applied indefinitely

Discover it Miles Credit Card

Although the Discover it Miles Credit Card might not qualify as the best travel rewards credit card on this list, it offers some benefits that are difficult to find. Plus, the card offers an impressive first-year bonus that might be well worth your consideration.

Best For: People who want a straightforward travel credit card with cash-back rewards

Cash Back and Bonuses

You can use the Discover it Miles credit card for any purchase, any time to earn the same flat rate. Here are the details on cash back and bonuses:

  • 1.5 miles per dollar on every purchase, which can be redeemed for cash at $1 per 100 miles
  • All miles earned are automatically matched at end of the first year

Check Out: Discover Bank Review — So Much More Than Just a Credit Card

Discover it Miles Credit Card Pros

With benefits like no annual fee, no late fee for your first late payment, no APR increase for paying late and no over limit fee, the Discover it card stands out in a sea of credit card offers. Here are some of the card’s other benefits:

  • 0% APR for 14 months on purchases
  • Redeem miles in any amount, at any time; miles never expire
  • Free FICO credit score and credit report monitoring
  • Receive up to $30 back for in-flight WiFi purchases each year

 Discover it Miles Credit Card Cons

One drawback you might find is that the Discover brand isn’t accepted as widely as Visa or Mastercard. Here are a couple of potential cons of the card:

  • Travel rewards are more valuable than cash-back rewards
  • Other cards on the list offer higher cash-back rates

Click through to read more about the best credit card with no foreign transaction fees for your travel needs.

More on Credit Cards

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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion, and some bonus offers might no longer be available on the issuers’ websites, depending on how you access the web page.

About the Author

Cynthia Measom

Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, Aol, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.

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