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Best Credit Cards for Luggage & Bags

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Luggage & Bags

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:ShoppingMerchant: it LuggageCached
77%
Shopping is a broad category. Many cards offer bonuses for specific retailers or subcategories like online shopping, department stores, or wholesale clubs.
Not right? Try:
116 matches1229ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Shopping
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$100/yr $200 of Bilt Cash

$200 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar on shopping
$495/yr($200 in credits)
Annual rewards$264.00
+ Credits$200
− Annual fee$495
Net annual value-$31.00
2

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Shopping
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on shopping
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    − Annual fee$395
    Net annual value$142
    Susan G. Komen® Customized Cash Rewards
    3

    Susan G. Komen® Customized Cash Rewards

    Bank Of America

    3% cash back on Shopping

    Why this card

    1. 1.3% cash back on Shopping ($156/yr on $6,000 spend)
    2. 2.Lost Luggage Reimbursement

    No annual fee

    VISACore Rate
    2.6¢
    per dollar on shopping
    No annual fee
    Annual rewards$156
    Net annual value$156

    Bonus rate on first $2,500/quarterly, then base rate

    4

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Shopping
    1x × 1.5¢/pt = 1.5¢ per dollar

    Why this card

    1. 1.$150/yr Lululemon Credit
    2. 2.$78/yr Walmart+ Membership Credit
    3. 3.$20/yr Saks Fifth Avenue Credit
    4. 4.Amex Offers

    $1,149.50 in credits fully offsets the $895 fee

    AMEX
    1.5¢
    per dollar on shopping
    $895/yr($1,149.50 in credits)
    Annual rewards$90
    + Credits$1,149.50
    − Annual fee$895
    Net annual value$344.50
    Citi Strata Elite℠ Card
    5

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Shopping
    1.5x × 1.6¢/pt = 2.4¢ per dollar

    Why this card

      $762.50 in credits fully offsets the $595 fee

      MASTERCARD
      2.4¢
      per dollar on shopping
      $595/yr($762.50 in credits)
      Annual rewards$144
      + Credits$762.50
      − Annual fee$595
      Net annual value$311.50
      U.S. Bank Smartly Visa Signature Card
      6

      U.S. Bank Smartly Visa Signature Card

      Usbank

      2% cash back on Shopping

      Why this card

      1. 1.Lost Luggage Reimbursement

      No annual fee

      VISA
      2.0¢
      per dollar on shopping
      No annual fee
      Annual rewards$120
      Net annual value$120
      Bank of America Customized Cash Rewards Credit Card
      7

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3% cash back on Shopping

      Why this card

      1. 1.3% cash back on Shopping ($156/yr on $6,000 spend)
      2. 2.Lost Luggage Reimbursement

      No annual fee

      VISACore Rate
      2.6¢
      per dollar on shopping
      No annual fee
      Annual rewards$156
      Net annual value$156

      Bonus rate on first $2,500/quarterly, then base rate

      Capital One VentureOne Rewards Credit Card
      8

      Capital One VentureOne Rewards Credit Card

      Capital One

      1.25x Venture Miles on Shopping
      1.25x × 1.9¢/pt = 2.3¢ per dollar

      Why this card

        No annual fee

        MASTERCARD
        2.3¢
        per dollar on shopping
        No annual fee
        Annual rewards$138.75
        Net annual value$138.75
        Chase Sapphire Preferred Card
        9

        Chase Sapphire Preferred Card

        Chase

        1x Ultimate Rewards on Shopping
        1x × 1.8¢/pt = 1.8¢ per dollar

        Why this card

        1. 1.Lost Luggage Reimbursement
        2. 2.Lost Luggage Reimbursement

        $134 in credits fully offsets the $95 fee

        VISA
        1.8¢
        per dollar on shopping
        $95/yr($134 in credits)
        Annual rewards$108
        + Credits$134
        − Annual fee$95
        Net annual value$147
        Blue Cash Everyday Card from American Express
        10

        Blue Cash Everyday Card from American Express

        Amex

        3% cash back on Shopping

        Why this card

        1. 1.3% cash back on Shopping ($114/yr on $6,000 spend)
        2. 2.Amex Offers

        No annual fee

        AMEXCore Rate
        1.9¢
        per dollar on shopping
        No annual fee($42 in credits)
        Annual rewards$114
        + Credits$42
        Net annual value$156

        Bonus rate on first $6,000/annual, then base rate

        11

        One Key+ Card

        Wells Fargo

        2% cash back on Shopping
        MASTERCARD
        2.0¢
        per dollar on shopping
        $99/yr
        Annual rewards$120
        − Annual fee$99
        Net annual value$21
        Fidelity Rewards Visa Signature Card
        12

        Fidelity Rewards Visa Signature Card

        Elan Financial

        2% cash back on Shopping

        Why this card

        1. 1.Lost Luggage Reimbursement

        No annual fee

        VISA
        2.0¢
        per dollar on shopping
        No annual fee
        Annual rewards$120
        Net annual value$120
        13

        TD Double Up Credit Card

        Td Bank

        2% cash back on Shopping

        Why this card

        1. 1.Lost Luggage Reimbursement

        No annual fee

        VISA
        2.0¢
        per dollar on shopping
        No annual fee
        Annual rewards$120
        Net annual value$120
        Wells Fargo Active Cash Card
        14

        Wells Fargo Active Cash Card

        Wells Fargo

        2% cash back on Shopping
        Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

        Why this card

        1. 1.My Wells Fargo Deals
        2. 2.Up to 1.6¢/pt via Choice Privileges

        No annual fee

        VISA
        2.0¢
        per dollar on shopping
        No annual fee
        Annual rewards$120
        Net annual value$120
        15

        SoFi Credit Card

        Sofi

        2% cash back on Shopping

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on shopping
          No annual fee
          Annual rewards$120
          Net annual value$120
          Bilt Blue Card
          16

          Bilt Blue Card

          Cardless

          1x Bilt Rewards on Shopping
          1x × 2.2¢/pt = 2.2¢ per dollar

          Why this card

            No annual fee

            MASTERCARD
            2.2¢
            per dollar on shopping
            No annual fee
            Annual rewards$132.00
            Net annual value$132.00
            Citi Strata Premier Card
            17

            Citi Strata Premier Card

            Citi

            1x ThankYou Points on Shopping
            1x × 1.6¢/pt = 1.6¢ per dollar

            Why this card

            1. 1.Lost or Damaged Luggage Insurance
            2. 2.$30/yr Instacart+ Savings

            $50 in credits offset the $95 fee

            MASTERCARD
            1.6¢
            per dollar on shopping
            $95/yr($50 in credits)
            Annual rewards$96
            + Credits$50
            − Annual fee$95
            Net annual value$51
            U.S. Bank Cash+® Visa Signature® Card
            18

            U.S. Bank Cash+® Visa Signature® Card

            Usbank

            5% cash back on Shopping

            Why this card

            1. 1.5% cash back on Shopping ($108/yr on $6,000 spend)

            No annual fee

            VISACore Rate
            1.8¢
            per dollar on shopping
            No annual fee
            Annual rewards$108
            Net annual value$108

            Bonus rate on first $2,000/quarterly, then base rate

            Bilt Obsidian Card
            19

            Bilt Obsidian Card

            Cardless

            1x Bilt Rewards on Shopping
            1x × 2.2¢/pt = 2.2¢ per dollar

            Why this card

              $20 in credits offset the $95 fee

              MASTERCARD
              2.2¢
              per dollar on shopping
              $95/yr($20 in credits)
              Annual rewards$132.00
              + Credits$20
              − Annual fee$95
              Net annual value$57.00
              Chase Sapphire Reserve
              20

              Chase Sapphire Reserve

              Chase

              1x Ultimate Rewards on Shopping
              1x × 1.8¢/pt = 1.8¢ per dollar

              Why this card

              1. 1.Baggage Delay and Lost Luggage Insurance

              $960 in credits fully offsets the $795 fee

              VISA
              1.8¢
              per dollar on shopping
              $795/yr($960 in credits)
              Annual rewards$108
              + Credits$960
              − Annual fee$795
              Net annual value$273
              Rakuten American Express Card
              21

              Rakuten American Express Card

              First Electronic Bank

              1% cash back on Shopping

              Convertible Cash Back — 1.0–2.0¢/$

              This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

              Why this card

              1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

              No annual fee

              AMEXConvertible
              1.0–2.0¢
              per dollar on shopping
              depending on redemption
              No annual fee
              Annual rewards$94
              Net annual value$94
              Bank of America® Customized Cash Rewards for Students
              22

              Bank of America® Customized Cash Rewards for Students

              Bank Of America

              3% cash back on Shopping

              Why this card

              1. 1.3% cash back on Shopping ($144/yr on $6,000 spend)
              2. 2.Lost Luggage Reimbursement

              No annual fee

              VISACore Rate
              2.4¢
              per dollar on shopping
              No annual fee
              Annual rewards$144
              Net annual value$144

              Bonus rate on first $2,500/quarterly, then base rate

              Synchrony Premier Mastercard
              23

              Synchrony Premier Mastercard

              Synchrony

              2% cash back on Shopping

              Why this card

                No annual fee

                MASTERCARD
                2.0¢
                per dollar on shopping
                No annual fee
                Annual rewards$120
                Net annual value$120
                BJ's One+™ Mastercard®
                24

                BJ's One+™ Mastercard®

                Capital One

                2% cash back on Shopping

                Why this card

                  No annual fee

                  MASTERCARD
                  2.0¢
                  per dollar on shopping
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  Citi Double Cash Card
                  25

                  Citi Double Cash Card

                  Citi

                  2% cash back on Shopping

                  Why this card

                    No annual fee

                    MASTERCARD
                    2.0¢
                    per dollar on shopping
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Choice Privileges Select Mastercard
                    26

                    Choice Privileges Select Mastercard

                    Wells Fargo

                    5x Choice Privileges on Shopping
                    5x × 0.8¢/pt = 4.0¢ per dollar

                    Why this card

                    1. 1.5x on Shopping — points worth 0.8¢ each ($105.60/yr on $6,000 spend)

                    $15 in credits offset the $95 fee

                    MASTERCARDCore Rate
                    1.8¢
                    per dollar on shopping
                    $95/yr($15 in credits)
                    Annual rewards$105.60
                    + Credits$15
                    − Annual fee$95
                    Net annual value$25.60
                    Bank of America® Customized Cash Rewards Secured
                    27

                    Bank of America® Customized Cash Rewards Secured

                    Bank Of America

                    3% cash back on Shopping

                    Why this card

                    1. 1.3% cash back on Shopping ($144/yr on $6,000 spend)

                    No annual fee

                    VISACore Rate
                    2.4¢
                    per dollar on shopping
                    No annual fee
                    Annual rewards$144
                    Net annual value$144

                    Bonus rate on first $2,500/quarterly, then base rate

                    Discover it® Miles
                    28

                    Discover it® Miles

                    Discover

                    1.5x Cashback on Shopping
                    1.5x × 1.0¢/pt = 1.5¢ per dollar

                    Why this card

                      No annual fee

                      DISCOVER
                      1.5¢
                      per dollar on shopping
                      No annual fee
                      Annual rewards$90
                      Net annual value$90
                      Navy Federal Visa cashRewards Card
                      29

                      Navy Federal Visa cashRewards Card

                      Navy Federal

                      1.5% cash back on Shopping

                      Why this card

                        No annual fee

                        VISA
                        1.5¢
                        per dollar on shopping
                        No annual fee
                        Annual rewards$90
                        Net annual value$90
                        Capital One QuicksilverOne Cash Rewards Credit Card
                        30

                        Capital One QuicksilverOne Cash Rewards Credit Card

                        Capital One

                        1.5% cash back on Shopping
                        MASTERCARD
                        1.5¢
                        per dollar on shopping
                        $39/yr
                        Annual rewards$90
                        − Annual fee$39
                        Net annual value$51