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Best Credit Cards for Trip.com

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 Trip.com

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

Resolved as:ShoppingMerchant: Trip.comCached
95%
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 matches1009ms

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
  2. 2.Trip Delay

$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.$5/yr Booking.com Travel Credits
    3. 3.Trip Cancellation and Interruption Insurance
    4. 4.Trip Delay 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.Trip Cancellation and Interruption Insurance
    4. 4.Trip Delay Insurance
    5. 5.$20/yr Saks Fifth Avenue Credit

    $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.$5/yr Booking.com Travel Credits
      2. 2.Trip Cancellation and Interruption Insurance
      3. 3.Trip Delay 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.$5/yr Booking.com Travel Credits
      3. 3.Trip Cancellation and Interruption Insurance
      4. 4.Trip Delay 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

      Chase Sapphire Preferred Card
      8

      Chase Sapphire Preferred Card

      Chase

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

      Why this card

      1. 1.$5/yr Booking.com Travel Credits
      2. 2.Trip Delay Reimbursement
      3. 3.Trip Cancellation/Interruption Insurance
      4. 4.Trip Delay 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
      Capital One VentureOne Rewards Credit Card
      9

      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
        10

        One Key+ Card

        Wells Fargo

        2% cash back on Shopping

        Why this card

        1. 1.Trip Cancellation and Interruption
        MASTERCARD
        2.0¢
        per dollar on shopping
        $99/yr
        Annual rewards$120
        − Annual fee$99
        Net annual value$21
        Fidelity Rewards Visa Signature Card
        11

        Fidelity Rewards Visa Signature Card

        Elan Financial

        2% cash back on Shopping

        Why this card

        1. 1.$5/yr Booking.com Travel Credits
        2. 2.Trip Cancellation and Interruption Insurance
        3. 3.Trip Delay Reimbursement

        No annual fee

        VISA
        2.0¢
        per dollar on shopping
        No annual fee
        Annual rewards$120
        Net annual value$120
        Blue Cash Everyday Card from American Express
        12

        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

        Wells Fargo Active Cash Card
        13

        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.$5/yr Booking.com Travel Credits
        2. 2.Trip Delay Reimbursement
        3. 3.My Wells Fargo Deals
        4. 4.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
        14

        TD Double Up Credit Card

        Td Bank

        2% cash back on Shopping

        Why this card

        1. 1.$5/yr Booking.com Travel Credits
        2. 2.Trip Delay Reimbursement

        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.Trip Delay Protection
            2. 2.$30/yr Instacart+ Savings
            3. 3.Trip Cancellation and Interruption Insurance

            $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
            Bilt Obsidian Card
            18

            Bilt Obsidian Card

            Cardless

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

            Why this card

            1. 1.Trip Delay

            $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
            19

            Chase Sapphire Reserve

            Chase

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

            Why this card

            1. 1.Trip Cancellation/Interruption Insurance
            2. 2.Trip Delay Reimbursement

            $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
            Bank of America® Customized Cash Rewards for Students
            20

            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.$5/yr Booking.com Travel Credits
            3. 3.Trip Cancellation and Interruption Insurance
            4. 4.Trip Delay 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

            U.S. Bank Cash+® Visa Signature® Card
            21

            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

            Rakuten American Express Card
            22

            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
            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
                  Navy Federal Visa cashRewards Card
                  26

                  Navy Federal Visa cashRewards Card

                  Navy Federal

                  1.5% cash back on Shopping

                  Why this card

                  1. 1.$5/yr Booking.com Travel Credits
                  2. 2.Trip Delay Reimbursement

                  No annual fee

                  VISA
                  1.5¢
                  per dollar on shopping
                  No annual fee
                  Annual rewards$90
                  Net annual value$90
                  Choice Privileges Select Mastercard
                  27

                  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
                  28

                  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

                  29

                  PenFed Pathfinder Rewards Visa Signature Card

                  Penfed

                  1.5x Penfed Honors Advantage on Shopping
                  1.5x × 0.9¢/pt = 1.3¢ per dollar

                  Why this card

                  1. 1.$5/yr Booking.com Travel Credits
                  2. 2.Trip Delay Reimbursement
                  3. 3.Trip Delay Reimbursement

                  $50 in credits offset the $95 fee

                  VISA
                  1.3¢
                  per dollar on shopping
                  $95/yr($50 in credits)
                  Annual rewards$80.10
                  + Credits$50
                  − Annual fee$95
                  Net annual value$35.10
                  Discover it® Miles
                  30

                  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