inspire travel rewards

Enjoy gift card giveaways, product giveaways, cash giveaways, daily deals, games, bonuses, surprises, and a whole lot of fun!

Spend your rewards in over 500,000 ways with local shopping and online shopping options!

Use your rewards to save on breakfast, lunch, dinner, and snacks at thousands of your favorite local and national restaurants!

Travel in style and save big on hotels, resorts, cruises, airlines, car rentals, entertainment, amusements, and much more!

Plus Some Great Perks!

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Your access to Maxsip Perks was a free added gift from Maxsip Telecom. If you want to cancel your Maxsip Telecom products, or want to speak to someone about Maxsip Telecom charges, that’s no problem. You just need to contact Maxsip Telecom customer service. You can contact them by phone by calling 866-629-7471 . Their hours are 24 hours a day, 7 days a week .

Maxsip Perks is a free added gift from Maxsip Telecom. As a part of Maxsip Perks, you earn Reward Dollars that you can use in more than 500,000 ways! With savings and deals on dining, shopping, hotels, entertainment, local deals, movie tickets, gift cards, and so much more available, there’s something for everyone with Maxsip Perks. You just need to log into your account, select a reward category, and start shopping!

Your Maxsip Perks account means you're entitled to premium shopping discounts and savings that could help you save. You will need to supply payment information if you selected an offer that only allows you to apply a portion of your reward towards that offer. You would then be required to pay the remaining discounted balance. In addition, the maximum savings you can receive on gift card purchases is 10%. If you’d like to find offers just using your Reward Dollars, please click here to login to your account.

Great question! Reward Dollars are used for online shopping and daily deals, as well as dining and local offers. Plus, you can use your Reward Dollars to enter into all our giveaways - Daily Gift Card Giveaway, Big Money Giveaway, On Us Giveaways, and WeekendWins. TravelHub doesn't use Reward Dollars because the prices shown are already discounted. This means that you can use TravelHub as many times as you'd like which is awesome. You also don't need to use your Reward Dollars for Pick to Win challenges and grocery coupons.

Your access to Maxsip Perks was a free added gift from Maxsip Telecom. If you have a billing question or want to speak to someone about Maxsip Telecom charges, that’s no problem. You just need to contact Maxsip Telecom customer service. You can contact them by phone by calling 866-629-7471 . Their hours are 24 hours a day, 7 days a week .

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Grocery coupon benefit, terms & conditions.

At the Inspire Rewards, our goal and commitment is to make your customer experience as successful and satisfying as possible, and to help you get the full value from your reward.

By using the www.HelloInspireRewards.com website (the “Site”), you agree to be bound by all of the terms in these Terms of Use (the “Agreement”) and any terms and conditions in our prior agreement when you were enrolled as a customer in the Inspire Rewards. As we are regularly updating and enhancing the Inspire Rewards, the Inspire Rewards reserves the right, in its sole discretion, to update or modify this Agreement at any time. Your continued use of the Site following the posting of any changes to this Agreement constitutes acceptance of those changes. Please read these Terms of Use carefully and, if you have any questions, or if this Agreement does not conform to your understanding of what you were told the Inspire Rewards was, please contact the Inspire Rewards Customer Support at [email protected] .

Accessing Your Reward. The Inspire Rewards hereby grants you a non-exclusive, non-transferable, limited right to access, use and display the Site for your personal, non-commercial use, provided that you comply fully with the provisions of these Terms of Use. Your Inspire Rewards customer account can only be activated/accessed through the www.HelloInspireRewards.com website. You have unlimited access to the Inspire Rewards website 24 hours a day, 7 days a week, 365 days a year.

Reward Overview. The primary benefit of the Inspire Rewards is an enrolled customer's receipt of, and ongoing access to free, promotional rewards, as defined below, given on enrollment and refreshed at regular intervals, good for use on the deals, products, etc. of the customer's choice. This is an ongoing, accrued monthly benefit to the customer recipient. As a customer of the Inspire Rewards, your benefits may include shopping discounts, shopping deals, shopping rewards, shopping offers, shopping promotions, dining discounts, dining deals, dining rewards, dining offers, and dining promotions (“Reward Dollars”), depending on your customer status. Access to, and instructions regarding, your rewards are found within each of the specific reward benefit links found within the Inspire Rewards. All benefits within the program do require actions on your part, along with internet access, to claim and utilize them. Some benefits within the program may require a printer. We will provide you instructions for how to activate your Reward Dollars, which are not legal tender or currency, and have no cash value.

Your Account is Free. You understand that the Inspire Rewards is not charging you anything for the Inspire Rewards, and will never charge you anything for the Inspire Rewards, and that your access to the Inspire Rewards is free.

Action is Required to Claim Your Benefits. Action on your part is required to activate and claim your reward(s). Benefits associated with this reward will accrue/rollover from month to month.

Online Communication & Emails. The Inspire Rewards is an online reward program. You understand that the manner in which a customer activates their reward, accesses their reward and related benefits, redeems their reward and related benefits, and communicates with Customer Support, etc. is all online. By becoming a customer, you have agreed to receive emails from the Inspire Rewards associated with your account.

Terms of Use. Once you have activated your account and/or reward, you will enjoy unlimited access to the Inspire Rewards website for as long as you wish to access it, and are an active customer. Your account and/or reward is non-transferable and has no cash value. Your account and/or your reward are not a gift card or a gift certificate, but rather a premium discount and couponing reward program used for various deals and discounts. Benefits are not for re-sale. You are entirely responsible for maintaining the confidentiality of your account password and user account information. You will promptly notify us if you become aware of any unauthorized use of your account. The Inspire Rewards is limited to residents of the United States (excluding Iowa) and Canada only and to individuals over the age of eighteen (18). Access to the Inspire Rewards and www.HelloInspireRewards.com are governed by this Agreement. Use of the Reward Dollars you earn as a part of the Inspire Rewards is governed by additional and separate “Terms of Use”, which shall be available to you when accessing your Reward Dollars, and which you shall be asked to accept whenever you use your Reward Dollars.

Cancelling The Inspire Rewards is Not Necessary. Because the Inspire Rewards is free, there is no reason for you to contact the Inspire Rewards to cancel your Inspire Rewards reward. If you do not like the Inspire Rewards, you can simply choose not to use the Inspire Rewards. If you were given access to the Inspire Rewards as a result of your affiliation with or purchase from some third party entity, and wish to inquire about that affiliation or purchase, you should contact that third party entity directly.

No Warranty/Limitation of Liability. You agree that the Inspire Rewards, its subsidiaries and affiliates, and each of its officers, directors, owners, and employees, along with the provider/host/administrator of the Site (“Company Parties”) are not responsible or liable for any benefits, goods or services provided by any participating vendors. If you have any claims relating to such benefits, goods or services provided by a participating vendor, you agree to make your claim against the vendor providing the benefit, good or service. You will not consider the Company Parties (and the Company Parties will not be construed as) a party to such transactions, whether or not Company parties may have received some form of revenue or other remuneration in connection with such transactions, and the Company Parties will not be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transactions. The Company Parties assume no responsibility for the payment of, or contribution to, any use or sales tax on the benefits, which may be imposed by taxing authorities, and such taxes, to the extent imposed, shall remain your sole responsibility or that of the provider of the benefits, as the case may be.

This Site is provided on an “as is” and “as available” basis with no warranties whatsoever. THE COMPANY PARTIES MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO USE OF THIS SITE OR ANY OF THE BENEFITS, PRODUCTS OR SERVICES OR RELATED INFORMATION PROVIDED TO YOU FROM COMPANY OR FROM OUR PARTICIPATING VENDORS. COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE BENEFITS, PRODUCTS, SERVICES AND MATERIALS FROM THIS SITE OR THE PARTICIPATING VENDORS IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU FROM THIS SITE OR OUR PARTICIPATING VENDORS SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED FOR IN THIS AGREEMENT.

UNDER NO CIRCUMSTANCES SHALL COMPANY PARTIES' LIABILITY EXCEED WHAT YOU HAVE PAID TO THE MONTHLY SHOPPING & DINING DOLLARS REWARD PROGRAM OR TO THE COMPANY PARTIES (WHICH IS NOTHING), AND UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE BE LIABLE TO YOU OR A THIRD PARTY FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, THIRD PARTY OR CONSEQUENTIAL, EVEN IF COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE FOREGOING LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THE COMPANY DISCLAIMS ANY WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF THE SITE. THE COMPANY DOES NOT WARRANT THAT THE SITE WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE SITE WILL BE UNINTERRUPTED AND ERROR FREE. YOU UNDERSTAND AND AGREE THAT YOU USE THE SITE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OF THE SITE.

Indemnification. You agree to indemnify, hold harmless and, at our option, defend the Company Parties from any and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorneys fees and expenses) arising from your improper use of this Site, your violation of this Agreement, or your infringement, or the infringement or use of any Intellectual Property Rights (as defined herein).

Links. The Site may contain links to other web sites. The Company Parties does not control such other web sites and is not responsible or liable for the availability thereof or the products, services or other materials contained on such web sites. The Company Parties shall not be responsible or liable, directly or indirectly, for any damage or loss incurred or suffered by any user in connection therewith. Your access and use of linked web sites, including the products, services and materials therein, is solely at your own risk.

Intellectual Property. You hereby agree and acknowledge that the Company Parties own all right, title and interest in and to this Site, including, without limitation, all Intellectual Property Rights. "Intellectual Property Rights" means any and all rights under patent law, copyright law, trade secret law, trademark law, and any and all other proprietary rights. You acknowledge that all marks that appear throughout the Site belong to the Company Parties, or the respective owners of such marks, and are protected by applicable trademark and copyright laws. Any use of any of the marks appearing throughout the Site without the express written consent of the Company Parties or the owner of the mark, as appropriate, is prohibited.

Severability/Waiver. In the event any provision of this Agreement is determined to be invalid or unenforceable by a court of competent jurisdiction or appointed arbitrator, such determination shall in no way affect the validity or enforceability of any other provision herein. The failure by us to exercise rights granted to us hereunder upon the occurrence of any violations set forth in this agreement shall not constitute a waiver of such rights upon the recurrence of such violation.

Arbitration. All legal issues arising from or related to the use of your account and this Site shall be construed in accordance with the laws of the State of Delaware applicable to contracts entered into and wholly to be performed within Fairfield County, Connecticut. Any controversy or claim arising out of or relating to this Agreement or your use of the Site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association (“AAA”). Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of another party. The arbitration shall be conducted in Connecticut, in Fairfield County and judgment on the arbitration award may be entered into in any state or federal court in Connecticut having jurisdiction thereof. Notwithstanding the applicable law on statute of limitations, demand for arbitration with the AAA must be filed within ONE (1) YEAR after the date the party asserting the claim first knows or reasonably should know of the act, omission or default giving rise to the claim; and there shall be no right to any remedy for any claim not asserted within that time period. (If applicable law prohibits a one-year limitations period for asserting claims, the claim must be asserted within the shortest time period in excess of one year that is permitted by applicable law.) The use of your account and this Site and the terms of this Agreement shall be governed exclusively by the laws of the State of Delaware and the Federal Arbitration Act, without regard to conflict of laws provisions. By using the Site and thereby agreeing to the Agreement, you hereby consent to the personal jurisdiction and venue in the state and federal courts sitting in the State of Connecticut.

Assignment. We may assign our rights and obligations under this Agreement. This Agreement will inure to the benefit of our successors, assigns and licensees.

Entire Agreement. This Agreement, plus any provision in your customer contract/agreement with the sponsor of the Inspire Rewards, and the Reward Dollars Terms of Use, constitute the entire agreement between you and the Company Parties relating to the subject matter herein.

Feedback. If you have comments on the Site or ideas on how to improve it, please email [email protected] . Please note that by doing so, you also grant the Inspire Rewards permission to use and incorporate your ideas or comments into the Site without compensation. Customer Service. If you have any questions or concerns about your account and/or the Site, contact us at [email protected] .We are glad to help. For full contact information for Customer Service, visit: www.HelloInspireRewards.com .

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Inspire rewards.

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Inspire rewards.

Congratulations ! You've made a great choice with Inspire Rewards. Welcome to the program! Lots of great stuff ahead! One more thing! We just need your email address.

Terms & Conditions

Welcome to inspire rewards at inspire rewards, our goal and commitment are to make your customer experience as successful, enjoyable, and satisfying as possible, and to help you get the best possible value from inspire rewards and from your relationship with inspire. we look forward to serving you. inspire rewards overview. inspire rewards is a free, voluntary, and ongoing customer loyalty, connection, and community resource created by inspire for select inspire customers over the age of eighteen. if you have been enrolled in inspire rewards, the inspire rewards program hereby grants you a non-exclusive, non-transferable, limited right to access, use and display the site for your personal, non-commercial use, provided that you comply fully with the provisions of these terms of use. the primary benefit of the inspire rewards program is an enrolled customer’s receipt of, and ongoing access to a variety of free customer benefits and tools, given on enrollment, and refreshed at regular intervals, good for use however the customer recipient chooses. inspire rewards is an ongoing benefit program and resource for the customer recipient. inspire rewards is not a one-time promotion or inducement to contract/purchase, and has no cash value. where included, reward dollars are not cash, rebates, gift cards, or gift certificates, and also have no cash value. all benefits within the program do require actions on your part, along with internet access, to claim and utilize them. some benefits within the program may require a printer. agreement. by using the www.helloinspirerewards.com website (the “site”), you agree to be bound by all of the terms in these terms of use (the “agreement”), any terms and conditions in any prior agreement when you were enrolled as a customer in the inspire rewards program, and any applicable terms from third party benefit providers with whom you elect to transact through inspire rewards. as we are regularly updating and enhancing inspire rewards, inspire rewards reserves the right, in its sole discretion, to update or modify this agreement at any time. your continued use of the site following the posting of any changes to this agreement constitutes acceptance of those changes. please read these terms of use carefully and, if you have any questions, or if this agreement does not conform to your understanding of what you were told the inspire rewards program was, please contact the inspire rewards program customer support at [email protected] . inspire rewards access. your inspire rewards customer account can only be activated/accessed through the www.helloinspirerewards.com website on any internet-enabled device. you have unlimited access to the inspire rewards program website 24 hours a day, 7 days a week, 365 days a year (with exception for limited occasions of reasonable maintenance, service disruptions, etc.). your inspire rewards account is free. you understand that the inspire rewards program is not charging you anything for the inspire rewards program, and will never charge you anything for the inspire rewards program, and that your access to/use of the inspire rewards program are both free and voluntary. customer service. if you have any questions or concerns about inspire rewards, your inspire rewards account, and/or the site, we’d love to hear from you. please feel free to contact us 24 hours a day, 7 days a week, 365 days a year at [email protected] . we’re glad to help. for full contact information for customer service, visit: https://www.helloinspirerewards.com . action is required to claim your benefits. action on your part is required to activate and claim your inspire rewards benefits. benefits associated with inspire rewards will accrue/rollover from month to month. online communication & emails. inspire rewards is a digital benefit program. you understand that the manner in which a customer activates their benefits, accesses their benefits, uses/redeems their benefits, and communicates with inspire rewards customer support, etc. is all online/digital. by becoming a customer, and being enrolled in inspire rewards, you have agreed to receive emails from the inspire rewards program associated with your account. you also have the right to opt out of inspire rewards emails. daily gift card giveaway. inspire rewards may include a “daily gift card giveaway” benefit. if so, the odds of winning the daily gift card giveaway ("dgcg") vary daily, based on the number of dgcg entries received between 9am est and 9pm est. limit one (1) dgcg entry per customer per day. dgcg limited to inspire rewards program customers aged eighteen (18) and over. no purchase necessary for entry in the dgcg. purchase activity will not increase the odds of winning the daily dgcg prize. visit https://www.helloinspirerewards.com for full dgcg terms and conditions. terms of use. once you have activated your account and/or benefits, you will enjoy unlimited access to the inspire rewards program website for as long as you wish to access it, and are an active customer of inspire. your account and/or benefits are non-transferable and have no cash value. your account and/or your benefits are not a gift card or a gift certificate. benefits may not be sold or re-sold. you are entirely responsible for maintaining the confidentiality of your account password and user account information. you will promptly notify us if you become aware of any unauthorized use of your account. the inspire rewards program is limited to residents of the united states (excluding iowa) and canada only and to individuals over the age of eighteen (18). access to the inspire rewards program and www.helloinspirerewards.com are governed by this agreement. use of any benefits you earn as a part of the inspire rewards program may be governed by additional and separate “terms of use” for those benefits, which shall be available to you when accessing those benefits, and which you shall be asked to accept whenever you use those benefits. cancelling inspire rewards program is not necessary. because the inspire rewards program is free to you, there is no reason for you to contact the inspire rewards program to cancel your inspire rewards program account. if you do not like the inspire rewards program, you can simply choose not to use the inspire rewards program. no warranty/limitation of liability. you agree that the inspire rewards program, its subsidiaries and affiliates, and each of its officers, directors, owners, and employees, along with the provider/host/administrator of the site (“company parties”) are not responsible or liable for any benefits, goods or services provided by any participating vendors. if you have any claims relating to such benefits, goods or services provided by a participating vendor, you agree to make your claim against the vendor providing the benefit, good or service. you will not consider the company parties (and the company parties will not be construed as) a party to such transactions, whether or not company parties may have received some form of revenue or other remuneration in connection with such transactions, and the company parties will not be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transactions. the company parties assume no responsibility for the payment of, or contribution to, any use or sales tax on the benefits, which may be imposed by taxing authorities, and such taxes, to the extent imposed, shall remain your sole responsibility or that of the provider of the benefits, as the case may be. this site is provided on an “as is” and “as available” basis with no warranties whatsoever. the company parties make no warranties, express or implied, including the warranty of merchantability or fitness for a particular purpose, with respect to use of this site or any of the benefits, products or services or related information provided to you from company or from our participating vendors. company does not warrant or make any representations regarding the use or the results of the use of the benefits, products, services and materials from this site or the participating vendors in terms of their correctness, accuracy, reliability, or otherwise. further, please note that no advice or information, obtained by you from this site or our participating vendors shall create any warranty not expressly provided for in this agreement. under no circumstances shall company parties’ liability exceed what you are paying for inspire rewards or to the company parties (which is nothing), and under no circumstances, including negligence, shall we be liable to you or a third party for any damages, including, without limitation, direct, indirect, incidental, special, exemplary, punitive, third party or consequential, even if company was advised of the possibility of such damages. some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the foregoing limitation or exclusion may not apply to you. the company disclaims any warranties regarding the security, reliability, timeliness, and performance of the site. the company does not warrant that the site will meet your requirements or that the operation of the site will be uninterrupted and error free. you understand and agree that you use the site at your own discretion and risk and that you will be solely responsible for any damages to your computer system or loss of data that results from the use of the site. indemnification. you agree to indemnify, hold harmless and, at our option, defend the company parties from any and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorneys fees and expenses) arising from your improper use of this site, your violation of this agreement, or your infringement, or the infringement or use of any intellectual property rights (as defined herein). links. the site may contain links to other web sites. the company parties does not control such other web sites and is not responsible or liable for the availability thereof or the products, services or other materials contained on such web sites. the company parties shall not be responsible or liable, directly or indirectly, for any damage or loss incurred or suffered by any user in connection therewith. your access and use of linked web sites, including the products, services and materials therein, is solely at your own risk. intellectual property. you hereby agree and acknowledge that the company parties own all right, title and interest in and to this site, including, without limitation, all intellectual property rights. "intellectual property rights" means any and all rights under patent law, copyright law, trade secret law, trademark law, and any and all other proprietary rights. you acknowledge that all marks that appear throughout the site belong to the company parties, or the respective owners of such marks, and are protected by applicable trademark and copyright laws. any use of any of the marks appearing throughout the site without the express written consent of the company parties or the owner of the mark, as appropriate, is prohibited. severability/waiver. in the event any provision of this agreement is determined to be invalid or unenforceable by a court of competent jurisdiction or appointed arbitrator, such determination shall in no way affect the validity or enforceability of any other provision herein. the failure by us to exercise rights granted to us hereunder upon the occurrence of any violations set forth in this agreement shall not constitute a waiver of such rights upon the recurrence of such violation. arbitration. all legal issues arising from or related to the use of your account and this site shall be construed in accordance with the laws of the state of delaware applicable to contracts entered into and wholly to be performed within fairfield county, connecticut. any controversy or claim arising out of or relating to this agreement or your use of the site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the american arbitration association (“aaa”). any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of another party. the arbitration shall be conducted in connecticut, in fairfield county and judgment on the arbitration award may be entered into in any state or federal court in connecticut having jurisdiction thereof. notwithstanding the applicable law on statute of limitations, demand for arbitration with the aaa must be filed within one (1) year after the date the party asserting the claim first knows or reasonably should know of the act, omission or default giving rise to the claim; and there shall be no right to any remedy for any claim not asserted within that time period. (if applicable law prohibits a one-year limitations period for asserting claims, the claim must be asserted within the shortest time period in excess of one year that is permitted by applicable law.) the use of your account and this site and the terms of this agreement shall be governed exclusively by the laws of the state of delaware and the federal arbitration act, without regard to conflict of laws provisions. by using the site and thereby agreeing to the agreement, you hereby consent to the personal jurisdiction and venue in the state and federal courts sitting in the state of connecticut. assignment. we may assign our rights and obligations under this agreement. this agreement will inure to the benefit of our successors, assigns and licensees. entire agreement. this agreement, plus any provision in your customer contract/agreement with the sponsor of the inspire rewards program, the terms of the daily gift card giveaway, the disclosures and disclaimers on the site and on customer communications, and any benefit terms of use, constitute the entire agreement between you and the company parties relating to the subject matter herein. feedback. if you have comments on the site or ideas on how to improve it, please email [email protected] . please note that by doing so, you also grant the inspire rewards program permission to use and incorporate your ideas or comments into the site without compensation., frequently asked questions, what exactly is this reward your inspire account means you're entitled to premium shopping discounts and savings that could help you save each month. customers are encouraged to take advantage of exclusive discounts, coupons, tips and tricks, helpful articles, promo codes, restaurant search tools, and more there are thousands of ways to save with inspire. plus, your account includes bonus savings on shopping, travel, groceries, home, auto, entertainment, and much more how do i access and use my rewards it’s easy start by clicking the "login" button. then, enter your phone number and zip or postal code (these are your username and password). click the "login" button. that’s it you’re ready to use your rewards where can i use my reward to save you can use your inspire rewards account to save on over 500,000 deals. choose from 330,000 local deals, 85,000 local and national chain restaurants, 25,000 hotels, 20,000 movie theatres, 4,000 products, gift cards, and more. savings on well-known retail brands include nike, lacoste, kate spade, and under armour. great local deals at the salon, dry cleaner, car washes, movie theatres, or driving range. great local shopping deals like bj's, michaels, office depot, gap or payless. how many restaurants participate in the program there are over 85,000 different restaurants that participate in the program. to check out the options in your area, login to your account, click "save when dining" and enter your zip code to find restaurants in your area. can i use the program to save at local stores yes there are over 330,000 local stores that participate in the program. brand name retail stores like office depot, payless, barnes & noble, and more. plus, great local deals at the salon, dry-cleaning, car washes, or the movies. can i use the program for online shopping yes there are thousands of online shopping options included in the program. save on popular brands like nike, sony, kate spade, michael kors, lacoste, sonos, the north face, or under armour. do i have to buy something to use my rewards in most cases, yes. your reward dollars aren’t quite cash. instead, they are reward dollars you can use to get exclusive deals, discounts, and vip savings in over 500,000 ways. for example, you can use your reward dollars for things like a free cup of coffee or a free appetizer, a buy-one-get-one-free meal at a restaurant, discounts on hotels, savings on online shopping, deals at local stores and shops, and so much more. plus, your reward dollars are bankable and never expire i'm not able to login/access my account. typically, if you're not able to access your account, it's because you're entering your login information incorrectly. click here  to login, enter your phone number and zip or postal code to access your reward. if you are still having trouble, please contact customer support for assistance.  what's the daily deal all about every day at 3pm est, inspire rewards offers a new online shopping daily deal, just for a little fun enjoy special offers for 50%, 60% or 70% off these limited time offers can go quickly, so make sure you act fast if you’re interested what's the daily gift card giveaway did i win one of the best and most popular perks in inspire rewards is the daily gift card giveaway. every day we give away a free gift card. that's 365 free gift cards every year the daily gift card giveaway runs from 9am est to 9pm est every day. active customers are eligible to enter the daily gift card giveaway every day, and entry is always free. all you need to do is login to your inspire rewards account between 9am est and 9pm est and click "enter" in the daily gift card giveaway area, and you'll be automatically entered in that day's daily gift card giveaway. it's that easy at 9pm est a winner is automatically selected from among that day's entries, and a "congratulations" email is automatically emailed to them with details about their gift card. we do not email people who do not win the daily gift card giveaway. so, if you're wondering if you won the daily gift card giveaway, check your email. if you didn't get a "congratulations" email, that means you didn't win. but you can always try again tomorrow, privacy policy, inspire rewards recognizes the importance of protecting the privacy of all information provided to us and to the providers and partners associated with inspire rewards through the use of our services and related websites. we created the following policy guidelines with a fundamental respect for your right to privacy to guide our relationship with our users, visitors, customers, or any other consumers who use any of the websites, services, or benefits (collectively or individually, "you", "your", or "consumers")., framed in pages, co-branded microsites, services, or applications owned or provided to them by inspire rewards (the "sites"). 1. the information inspire rewards collects inspire rewards may collect information before or after you sign up, place an order, submit information, or redeem benefits. - consumer provided information: when you visit the sites, you may provide to inspire rewards what is generally called "personally identifiable" information (such as your name, email address, postal mailing address, and home/mobile telephone number, etc.). in addition, you may have the option of providing us with certain demographic information about yourself (such as age, gender, household compensation, interests, zip code, state, shopping habits, etc.). - "cookies" information: when you visit the sites, we may send one or more cookies - a small text file containing a string of alphanumeric characters - to your computer. inspire rewards uses both session cookies and persistent cookies. a persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the sites. these persistent cookies can be removed, but each web browser is a little different. so, please review your browser "help" file to learn the correct way to modify your cookies setup. - "automatically collected" information: when you use the sites or open one of our emails, we may record certain data using technology, including "clear gifs" or "web beacons," cookies (discussed above), ip addresses, unique "device ids" (similar to ip addresses), and log files. "automatically collected" data includes sites use activity, web browser type, the website that referred you to us, the web pages you viewed on the sites, and the dates and times that you visited the sites. - provider provided information: when inspire rewards connects you with various benefits and services provided on the sites, sometimes, it may share unique identifiers with those benefit and service providers (customer number, zip code, etc.) in order to facilitate the consumer's access to the benefits and services. 2. the way inspire rewards uses information - inspire rewards uses the information that we collect to operate, maintain, and provide to you all of the benefits and services found on the sites associated with your account, and for other non-marketing or administrative purposes such as notifying you of major service updates, sending you messages from the sites, or for customer service purposes. - inspire rewards uses all of the information that we collect from our consumers to understand the usage trends and preferences, to improve the way the sites work and look, to improve our marketing and promotional efforts, and to create new features and functionality. - inspire rewards uses "automatically collected" data to (a) process and record services, benefits, and bonus use and redemption activity; (b) store information so that you will not have to re-enter it during your visit or the next time you use the sites; (c) provide custom, personalized coupon promotions, advertisements, content, and information; (d) monitor the effectiveness of marketing campaigns; (e) monitor aggregate usage metrics such as total number of visitors and pages viewed; and (f) process billing activity on your behalf. - inspire rewards will not use your email address or other personally identifiable information that you provide directly to us to send promotional or marketing messages from third parties unless that is disclosed to you or unless you are provided an opt-out option. 3. when inspire rewards discloses information - inspire rewards discloses both "personally identifiable" and "automatically collected" information to our providers, affiliated companies, or other businesses or persons to process such information on our behalf, to provide website maintenance and security, to enable inspire rewards to fulfill benefit and services request, to offer certain features on the sites, to assist us in improving the way the sites work and look, and to create new features. we require that these parties agree to process such information in compliance with our privacy policy. we use reasonable efforts to limit their use of such information, and we require these parties to use any other appropriate confidentiality and security measures. - we do not share "personally identifiable" information with other third-party organizations for their marketing or promotional uses without your consent except as part of a specific program or feature for which you will have the ability to opt-out. - we may disclose customer information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws or respond to a court order, judicial or other government subpoena, or warrant. - we also reserve the right to disclose customer information that we believe, in good faith, is appropriate or necessary to take precautions against liability; protect clients from fraudulent, abusive, or unlawful uses; to investigate and defend ourselves against any third-party claims or allegations; to assist government enforcement agencies; to protect the security or integrity of the sites; and to protect against fraudulent uses, the rights, property, or personal safety of inspire rewards, our clients, or others. 4. your choices we provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. if you no longer wish to receive our email alerts and promotional communications, you may opt-out of receiving them by following the instructions included in each email or communication, by doing so when logged in as a customer, or you may contact us using the online customer support tools. in some cases if you decline to share personal information on the sites inspire rewards will not be able to provide certain services to you on the sites. you may update, correct, or delete your personal information and preferences at any time by going to the edit profile section of the sites. to protect your privacy and security, we take reasonable steps to verify your identity before granting access to personal information or before making corrections. you are responsible for maintaining the secrecy of your unique password and account information at all times. 5. third-party advertisers, links to other sites third-party ad servers or ad networks may serve advertisements within the sites. these third-party ad servers or ad networks use technology to send, directly to your browser, the advertisements and links that appear on the sites. these ad servers automatically receive your ip address when this happens, and they may also use other technologies (such as cookies, javascript, or web beacons) to measure the effectiveness of their advertisements and to personalize their advertising content. inspire rewards's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or websites. 6. our commitment to data security inspire rewards uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. we cannot, however, ensure or warrant the security of any information you transmit to inspire rewards, and you do so at your own risk. once we receive your transmission of information, inspire rewards makes commercially reasonable efforts to ensure the security of our systems. however, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. 7. our commitment to children's privacy protecting the privacy of young children is especially important. for that reason, inspire rewards does not knowingly collect or maintain information from persons under 13 years of age, and no part of the inspire rewards sites are structured to attract anyone under 13. if you are under 13 years of age, then please do not use or access the sites at any time or in any manner. if inspire rewards learns that personally identifiable information of persons under 13 years of age has been collected on the sites without verified parental consent, then inspire rewards will take the appropriate steps to delete this information. 8. special note to international users the sites are hosted in the united states and are intended for and directed to users in the united states. if you are a customer accessing the sites from the european union, asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from united states laws, please be advised that through your continued use of the sites, which are governed by u.s. law and this privacy policy, you are transferring your personal information to the united states and you consent to that transfer. 9. in the event of merger or sale in the event that inspire rewards is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from our consumers as part of such merger, acquisition, sale, or other change of control. 10. changes and updates to this privacy policy this privacy policy may be revised periodically, and this will be reflected by the "last modified" notice below. if we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. we reserve the right to modify this privacy statement at any time, so please review it frequently. if we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage. in general, we only use your personal information in the manner described in the privacy policy in effect when we received that personal information. your continued use of the sites constitutes your agreement to this privacy policy and any future revisions. 11. effective date, date last modified this privacy policy is effective as of april 1, 2014..

Example of a benefit you CAN click on.

Example of a benefit you CAN'T click on.

Hi, . Welcome back to Inspire Rewards. Just a quick update: You were cancelled from Inspire Rewards on 12/31/1969. Even though your status is cancelled, you're still entitled to access the rewards you earned as a customer before 12/31/1969. However, some of our benefits (like our gift card giveaways, product giveaways, cash giveaways, and games) are only available to active customers, so you'll see some benefits grayed out. You're always welcome back to Inspire Rewards. If you'd like to speak with someone about re-activating your account, just give us a call at 866-403-2620 and we'll be glad to help!

Daily gift card giveaway terms, free daily digital gift card giveaway official rules & giveaway terms agreement to official rules & giveaway terms:  participation in the free daily digital gift card giveaway (“free giveaway”) constitutes entrant’s full and unconditional agreement to and acceptance of these official rules & giveaway terms (“rules”) and the decisions of the sponsor, which are final and binding. winning a prize in the free giveaway is contingent upon fulfilling and complying with all requirements set forth herein. eligibility:  the free giveaway is open only to individuals who (1) are eighteen (18) years of age or older and (2) inspire customers in good standing and members of the inspire reward program at the time of entry. all applicable federal, state and local laws and regulations apply. void where prohibited or restricted by law. no purchase necessary. purchase will not improve your chances of winning. contest period:  the free giveaway begins on january 2, 2024 and ends on december 31, 2024 (“free giveaway contest period”), and consists of three hundred and sixty four (364) separate daily entry periods.  each free giveaway daily entry period begins at 9:00am est and ends at 9:00pm est (the "free giveaway daily entry period").  the winner on a given day will be selected from all entries properly and timely submitted and received during that given day’s free giveaway daily entry period. prize & giveaway status : the prize for each daily free giveaway is a digital gift card/e-gift card (i.e. an amazon.com digital gift card/e-gift card).  online access is required to enter the free giveaway and claim a prize, if applicable.  daily free giveaway digital gift card prizes are as follows: on all saturdays, sundays, mondays, tuesdays, wednesdays, and thursdays during the free giveaway contest period the daily prize shall be a ten dollar ($10.00) digital gift card.  on all fridays during the free giveaway contest period, the price shall be a twenty-five dollar ($25.00) digital gift card.  aggregate prize value during the free giveaway contest period shall be four thousand four hundred twenty dollars ($4,420). how to enter:  entry in the free giveaway is free and voluntary.  during the free giveaway period, a customer may login to their inspire reward program account, navigate to the daily gift card giveaway section, and click the “click to enter” button in the daily gift card giveaway section to enter. limit one (1) entry per person, per day, during each day’s free giveaway daily entry period. winner selection:  winners will be determined by random drawing to be held within one (1) hour of the close of that day’s free giveaway daily entry period. the daily winner will be selected from all entries received during that day’s free giveaway daily entry period. the daily winner will be notified via email using the email address associated with their reward account within one (1) hour of the close of that day’s free giveaway daily entry period.  action is then required on the part of the daily winner to claim their digital gift card prize by (1) logging into their reward account, (2) following the steps to securely validate and claim their digital gift card, and (3) using their digital gift card at the applicable retailer, subject to said retailer’s terms of use. odds of winning prize:   overall odds of winning vary during each free giveaway daily entry period, and depend solely on number of contest entries received during that free giveaway daily entry period.  no prize substitution, cash equivalent of prize, or prize transfer(s) are permitted. sponsor : the contest is sponsored by loyalty solutions, llc. (“sponsor”). conditions:   sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the free giveaway (or portion thereof).  all federal, state and local taxes on prize and any expenses not specified herein are the sole responsibility of winner. automated or robotic entries submitted by individuals or organizations will be disqualified.  all entries must be posted by the end of the free giveaway daily entry period in order to participate. sponsor's database clock will be the official timekeeper.  should a dispute arise regarding the identity of the claimant, sponsor reserves the sole right to determine the eligible party.  by entering, entrant waives all rights to bring (and covenants not to bring) any claim against sponsor or any others associated with this free giveaway. entrants further agree to release and hold harmless sponsor, inspire (“inspire”) and inspire’s affiliated brands from any and all liability arising from their participation in the free giveaway.  any disputes that may arise hereunder shall be governed in all respects by the laws of the state of delaware without regard to the conflicts of laws principles of any jurisdiction. venue with respect to any such disputes shall be had in the state and federal courts of fairfield county, connecticut. privacy:  by entering the free giveaway, you grant sponsor permission to communicate with you via email should you be a winner.  no endorsement:  this free giveaway is in no way sponsored, endorsed, administered by or associated with any of the digital gift card prize brands (i.e. amazon.com) featured in the free giveaway.  their name(s) and logo(s) are their own registered trademarks and property, and are used for explanatory and demonstration purposes only.  all rights reserved. questions : should you have any questions about the free giveaway, please contact customer support by  clicking here , and we’ll be glad to assist you., "on us" digital gift card giveaway terms, free "on us" digital gift card giveaway official rules & giveaway terms overview: the "on us" digital gift card giveaway is a free benefit offered to participants in inspire rewards and consists of regularly scheduled, themed gift card giveaways (i.e. "lunch’s on us", "coffee’s on us", etc.) ("on us giveaways"). rules for the on us giveaways are as follows: agreement to official rules & giveaway terms : participation in any on us giveaway constitutes entrant’s full and unconditional agreement to and acceptance of these official rules & giveaway terms ("rules") and the decisions of the sponsor, which are final and binding. winning a prize in the free on us giveaway is contingent upon fulfilling and complying with all requirements set forth herein. eligibility : the free on us giveaway is open only to individuals who (1) are eighteen (18) years of age or older and (2) inspire customers in good standing, and (3) members of the inspire rewards at the time of entry. all applicable federal, state and local laws and regulations apply. void where prohibited or restricted by law. no purchase necessary. purchase will not improve your chances of winning. contest period : the on us giveaways begin on june 1, 2024 and end on may 31, 2025 ("on us giveaway contest period"), and consist of between one hundred (100) and one hundred and ten (110) separate staggered giveaway periods ranging from three (3) days each to ten (10) days each ("free giveaway entry period"). each free giveaway entry period begins at 12:00am est on the first day of the free giveaway entry period and ends at 11:59pm est on the last day of the free giveaway entry period. the winner of a given on us giveaway will be selected from all entries properly and timely submitted and received during that given giveaway’s free giveaway entry period only. prize & giveaway status : the prize for each free on us giveaway is a digital gift card/e-gift card (i.e. an amazon.com digital gift card/e-gift card). online access is required to enter the free on us giveaway and claim a prize, if applicable. aggregate prize value during the on us giveaway contest period shall be between five thousand dollars ($5,000) and six thousand dollars ($6,000). how to enter : entry in the free on us giveaway is free and voluntary. during the on us giveaway period, a customer may login to their inspire rewards account, navigate to the "on us" giveaway section, and click the "enter to win" button to enter. limit one (1) entry per person, per giveaway, during each free giveaway entry period. winner selection : winners will be determined by random drawing to be held within one (1) hour of the close of that day’s free giveaway daily entry period. the winner will be selected from all entries received during that giveaway’s free giveaway daily entry period. the winner will be notified via email using the email address associated with their reward account within one (1) hour of the close of the applicable free giveaway daily entry period. action is then required on the part of the winner to claim their digital gift card prize by (1) logging into their reward account, (2) following the steps to securely validate and claim their digital gift card, and (3) using their digital gift card at the applicable retailer, subject to said retailer’s terms of use. odds of winning prize : overall odds of winning vary during each free giveaway daily entry period, and depend solely on number of contest entries received during that free giveaway daily entry period. no prize substitution, cash equivalent of prize, or prize transfer(s) are permitted. sponsor : the contest is sponsored by loyalty solutions, llc. ("sponsor"). conditions : sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the free on us giveaway (or portion thereof). all federal, state and local taxes on prize and any expenses not specified herein are the sole responsibility of winner. automated or robotic entries submitted by individuals or organizations will be immediately disqualified. all entries must be posted by the end of the free giveaway entry period in order to participate. sponsor's database clock will be the official timekeeper. should a dispute arise regarding the identity of the claimant, sponsor reserves the sole right to determine the eligible party. by entering, entrant waives all rights to bring (and covenants not to bring) any claim against sponsor or any others associated with this free on us giveaway. entrants further agree to release and hold harmless sponsor, inspire and inspire’s affiliated brands from any and all liability arising from their participation in the free on us giveaway. any disputes that may arise hereunder shall be governed in all respects by the laws of the state of delaware without regard to the conflicts of laws principles of any jurisdiction. venue with respect to any such disputes shall be had in the state and federal courts of fairfield county, connecticut. privacy : by entering the free on us giveaway, you grant sponsor permission to communicate with you via email should you be a winner. no endorsement : this free on us giveaway is in no way sponsored, endorsed, administered by or associated with any of the digital gift card prize brands (i.e. amazon.com) featured in the free on us giveaway. their name(s) and logo(s) are their own registered trademarks and property and are used for explanatory and demonstration purposes only. all rights reserved. questions : should you have any questions about the free on us giveaway, please contact customer support by clicking here , and we’ll be glad to assist you., #weekendwins/weekend wins giveaway official rules & giveaway terms.

#weekendwins/Weekend Wins Giveaway Official Rules & Giveaway Terms AGREEMENT TO OFFICIAL RULES & GIVEAWAY TERMS:  Participation in the free #weekendwins/Weekend Wins weekly giveaway ("Free Giveaway" or "Free Weekly Giveaway") constitutes entrant's full and unconditional agreement to and acceptance of these Official Rules & Giveaway Terms (“Rules”) and the decisions of the Sponsor, which are final and binding. Winning a prize in the Free Weekly Giveaway is contingent upon fulfilling and complying with all requirements set forth herein. ELIGIBILITY:  The Free Weekly Giveaway is open only to individuals who (1) are eighteen (18) years of age or older and (2) Inspire customers in good standing and members of the Inspire Rewards at the time of entry. All applicable federal, state and local laws and regulations apply. Void where prohibited or restricted by law. NO PURCHASE NECESSARY. PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.

CONTEST PERIOD:  The Free Weekly Giveaway begins on January 2, 2024 and ends on December 31, 2024 (“Free Giveaway Contest Period”), and consists of fifty-two (52) separate weekly entry periods.  Each Free Giveaway weekly entry period begins each Friday morning at 12:01am EST and ends at 11:59pm EST every Sunday night (the "Weekend” or “Free Giveaway Weekly Entry Period").  The winner on a given week will be selected from all entries properly and timely submitted and received during that given week’s Free Giveaway Weekly Entry Period. PRIZE & GIVEAWAY STATUS : The prize for each weekly Free Giveaway is a physical product (i.e. a television, tablet, headphones, coffee maker) selected exclusively by the Free Giveaway administrators of Inspire Rewards (“Free Giveaway Administrator”).  Weekly prize selection is entirely at the discretion of the Free Giveaway Administrator.  All characteristics and qualities of the prize (i.e. the brand, type, model, year, color, etc. shall be selected exclusively by the Free Giveaway Administrator and the prizes shall be delivered as is.  The Free Giveaway Administrator shall not be responsible for providing alternatives or substitutions of any kind.  Prizes are delivered “as is” and may be either accepted or declined by the winning recipient. Online access is required to enter the Free Giveaway and claim a prize, if applicable.  Weekly Free Giveaway shall vary from week to week and Free Giveaway Administrator is under no obligation to offer any specific prize in the Free Giveaway.  Aggregate prize value during the Free Giveaway Contest Period shall be approximately seven thousand eight hundred dollars ($7,800).

HOW TO ENTER:  Entry in the Free Giveaway is free and voluntary.  During each weekly Free Giveaway Period, a customer may login to their Inspire Rewards account, navigate to the #weekendwins Giveaway section, and click the “ENTER TO WIN” button in the #weekendwins Giveaway section to enter. Limit one (1) Entry per person, per week, during each week’s Free Giveaway Weekly Entry Period. WINNER SELECTION:  Winners will be determined by random drawing to be held within one (1) hour of the close of that week’s Free Giveaway Weekly Entry Period. The weekly giveaway winner will be selected from all entries received during that week’s Free Giveaway Weekly Entry Period. The weekly giveaway winner will be notified via email using the email address associated with their reward account within one (1) hour of the close of that day’s Free Giveaway Weekly Entry Period.  Action is then required on the part of the weekly giveaway winner to claim their prize by (1) logging into their reward account, (2) following the steps to securely validate their identity and shipping/delivery address (“Shipping Address Validation”), and (3) accepting shipment/delivery of their prize. No prize shall be sent to a weekly giveaway winner who has not completed the Shipping Address Validation.  Weekly giveaway winners shall have one (1) year from the date of the close of the applicable Free Giveaway Weekly Entry Period to complete their Shipping Address Validation (“Prize Claim Period”).  Failure to complete the Shipping Address Validation within the Prize Claim Period shall result in forfeiture of the prize.

SHIPMENT/DELIVERY OF PRIZES: Prizes shall be ordered by the Free Giveaway Administrator within three (3) business days of the weekly winner’s completion of the Shipping Address Validation.  Prizes shall be ordered by the Free Giveaway Administrator from a third party online retail website (i.e. Amazon.com, Overstock.com, BestBuy.com) (“Product Provider”), shall be shipped/delivered to the week’s winning recipient by Product Provider, and shall be subject to the terms and conditions of Product Provider. No exceptions.

DEFECTS/RETURNS: Once the product prize has been ordered by the Free Giveaway Administrator, the product prize is the sole and exclusive responsibility of the Product Provider.  The Product Provider, not Inspire Rewards, is solely responsible for shipment/delivery of the product prize. Once a prize is ordered from the Product Provider by the Free Giveaway Administrator, the Product Provider, not Inspire Rewards, is solely responsible to provide the product prize to the winner in good working order.  The Product Provider, not Inspire Rewards, is solely responsible to deliver the correct prize.  The Product Provider, not Inspire Rewards, is also solely and exclusively responsible for any returns or exchanges of the product prize.  Should the product prize recipient (1) find any fault with the product prize, (2) believe the product prize shipped/delivered was incorrect, (3) find any fault with the shipment/delivery of the product prize, (4) claim the product prize was lost, stolen, and/or not delivered, (5) wish to return or exchange the product prize, or (6) have any other issues, questions, concerns, or complaints regarding the product prize, the product prize recipient must make their claim/seek redress solely with the Product Provider, subject to their terms and conditions.  Inspire Rewards has no responsibility or authority to replace, exchange, substitute, return, refund, discount, or provide a credit for any product prize under any circumstances, including lost, damaged, incorrect, undelivered, or stolen items.

ODDS OF WINNING PRIZE:  Overall odds of winning vary during each Free Giveaway Weekly Entry Period, and depend solely on number of contest entries received during that Free Giveaway Weekly Entry Period.  No prize substitution, cash equivalent of prize, or prize transfer(s) are permitted. SPONSOR : The Contest is sponsored by LOYALTY SOLUTIONS, LLC. (“Sponsor”). CONDITIONS:   Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Free Giveaway (or portion thereof).  All federal, state and local taxes on prize and any expenses not specified herein are the sole responsibility of product prize winner. Automated or robotic entries submitted by individuals or organizations will be automatically disqualified.  All entries must be posted by the end of the Free Giveaway Weekly Entry Period in order to participate. Sponsor's database clock will be the official timekeeper.  Should a dispute arise regarding the identity of the claimant, Sponsor reserves the sole right to determine the eligible party.  By entering, entrant waives all rights to bring (and covenants not to bring) any claim against Sponsor or any others associated with this Free Weekly Giveaway. Entrants further agree to release and hold harmless Sponsor, Inspire (“Inspire”) and Inspire’s affiliated brands from any and all liability arising from their participation in the Free Giveaway.  Any disputes that may arise hereunder shall be governed in all respects by the laws of the State of Delaware without regard to the conflicts of laws principles of any jurisdiction. Venue with respect to any such disputes shall be had in the state and federal courts of Fairfield County, Connecticut.

PRIVACY:  By entering the Free Giveaway, you grant Sponsor permission to communicate with you via email should you be a winner. NO ENDORSEMENT:  This Free Giveaway is in no way sponsored, endorsed, administered by or associated with any of the offered product prize brands or Product Providers (i.e. Amazon.com, Apple, Sony) featured in the Free Giveaway.  Their name(s) and logo(s) are their own registered trademarks and property, and are used for explanatory and demonstration purposes only.  All rights reserved. QUESTIONS : Should you have any questions about the Free Giveaway, please contact Customer Support by clicking here , and we’ll be glad to assist you.

You've been entered in ALL our current giveaways!

Gift Card Giveaway

Product Giveaway

Big Money Giveaway

On Us Giveaway

Good luck, and remember you can login and enter the giveaways every day!

Welcome to Inspire Rewards Customer Support!

Let’s get started, first things first....

We’re looking forward to helping you today! First, we need to verify your account. Please enter your phone number so we can find your account details.

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We weren’t able to find your account.

We weren’t able to confirm the account info you provided. Don’t worry - we're happy to help. Click here to use our simple account retrieval tool.

OR YOU CAN TRY AGAIN...

Service or billing question.

If you have a question about your energy service, billing account, or cancelling, please see below for contact information.

Call 866-403-2620 Monday - Friday 9am - 6pm EST

how can we help?

Your satisfaction is our #1 priority, what’s your question.

Let’s Get You to the Right Place

For questions about your energy account, please contact inspire customer service., call 866-403-2620.

Monday - Friday 9am - 6pm EST

Let’s Get Started

Your access to Inspire Rewards was a free added gift from Inspire. If you want to cancel your Inspire products, or want to speak to someone about Inspire charges, that’s no problem. You just need to contact Inspire customer service. You can contact them by phone by calling 866-403-2620 . Their hours are Monday - Friday 9am - 6pm EST .

Inspire Rewards is a free added gift from Inspire. As a part of Inspire Rewards, you earn Reward Dollars that you can use in more than 500,000 ways! With savings and deals on dining, shopping, hotels, entertainment, local deals, movie tickets, gift cards, and so much more available, there’s something for everyone with Inspire Rewards. You just need to log into your account, select a reward category, and start shopping!

Your username is your phone number. Your password is your zip or postal code. If you're not able to login to your account, please be sure that you're entering the correct phone number and zip or postal code that we have on file. You can also click here to use our account retrieval tool.

Your Inspire Rewards account means you're entitled to premium shopping discounts and savings that could help you save. You will need to supply payment information if you selected an offer that only allows you to apply a portion of your reward towards that offer. You would then be required to pay the remaining discounted balance. In addition, the maximum savings you can receive on gift card purchases is 10%. If you’d like to find offers just using your Reward Dollars, please click here to login to your account.

One of the best and most popular benefits of the reward program is a Daily Gift Card Giveaway. Every day we give away a free gift card. That's 365 free gift cards every year! The Daily Gift Card Giveaway runs from 9am EST to 9pm EST every day. As an active reward customer, you're eligible to enter the Daily Gift Card Giveaway every day, and your entry is always free. All you need to do is login to your reward account between 9am EST and 9pm EST and click "Enter" in the Daily Gift Card Giveaway area, and you'll be automatically entered in that day's Daily Gift Card Giveaway. It's that easy! At 9pm EST a winner is automatically selected from among that day's entries, and a "Congratulations" email is automatically emailed to them with details about their gift card. We do not email people who do not win the Daily Gift Card Giveaway. So, if you're wondering if you won the Daily Gift Card Giveaway, check your email. If you didn't get a "Congratulations" email, that means you didn't win. But you can always try again tomorrow!

Sadly no, your Reward Dollars cannot be applied to pay your energy bill. Remember, they're Reward Dollars, not actual dollars, but you can use them in over 500,000 different ways. For example, your Reward Dollars can be used towards great savings on 330,000 local deals like car washes, coffee shops, golf courses, and dry cleaners, 85,000 popular national and local restaurants like Chilis and TGIFridays, 25,000 hotels, 20,000 movie theaters, thousands of brand name products, and hundreds of gift cards. Why are you still reading this? Go and start using your rewards now!

Great question! Reward Dollars are used for online shopping and daily deals, as well as dining and local offers. Plus, you can use a portion of your Reward Dollars to get a 10% discount on gift cards. TravelHub doesn’t use Reward Dollars because the prices shown are already discounted. This means that you can use TravelHub as many times as you’d like which is awesome. You also don’t need to use your Reward Dollars for these popular benefits: Daily Gift Card Giveaway, Big Money Giveaway, Pick to Win challenges, On Us Giveaways and grocery coupons.

Your access to Inspire Rewards was a free added gift from Inspire. If you have a billing question or want to speak to someone about Inspire charges, that’s no problem. You just need to contact Inspire customer service. You can contact them by phone by calling 866-403-2620 . Their hours are Monday - Friday 9am - 6pm EST .

Your security key is found on the email we sent to you. If you can't find it – not to worry! You can submit a support ticket and someone on our Customer Care team will get back to you shortly. Help is on the way!

First you need to login to the program. Your username is your phone number and your password is your zip or postal code. Click the "LOG IN" button to proceed. Next, click on the "CLAIM MY GIFT CARD" button to enter in your security key to unlock your gift card. (You'll find your security key on the email that was sent to you). Once you've confirmed/chosen your gift card, your gift card will be emailed to you within 24 hours. Enjoy!

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TravelCard by Inspire

TravelCard by Inspire is the number one travel gift card. Available in multiple languages, multiple currencies and redeemable for travel anywhere in the world, through Inspire.  As an agent we partner with all major tour operators, however, we are also a tour operator in our own right, which means we can create some amazing bespoke packages.

Beach Breaks

City Breaks

Staycations

Sustainable Travel

...and everything else!

What is TravelCard  used for?

Travel drives results – engaging and motivating an audience to participate in a programme.  TravelCard by Inspire offers fast rewards, loaded quickly and used immediately to travel anywhere in the world.

Perfect for every kind of programme:

• Sales incentives
• Manager recognition
• Long service
• Peer nomination
• Channel incentives
• Lead generation
• Suggestions

What can you book?

TravelCard gives recipients access to over 2.1 million hotels and more than 1 million holiday homes across the world, including recognized global brands such as Hilton, Marriott, IHG Intercontinental Group, Hyatt Group, Rezidor Group and Accor as well as independent quality hotels.

Why TravelCard by Inspire ?

• Multiple currencies, multiple languages • No minimum/maximum loads • Live booking sites • No caveats, no black-out dates • Multiple cards can be used on a single booking • In-house multi-lingual call centre for reservations and full support • Fully protected funds • API integration available 

Get to know your recipient – we can provide headline management information on what the cards in your programme were redeemed against – type of travel (flights, hotels, packages, car hire), top locations, types of travellers (families, groups, couples, solo). 

For Charities

Travel is a great way to help those who deserve a much needed holiday, break or respite from day to day life. We have created a unique and easy way for charities to treat their beneficiaries to a holiday they’ll never forget.

For Business

Call us on 0161 465 6018 and speak to our business development team, who will discuss your requirements in full.

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• Best Overall
• Best for Beginners
• Best for No-Annual-Fee
• Best for Boutique Hotels
• Best for Daily Spend
• Best for Students
• Low-Cost Lounge Access
• Best for Dining and Groceries
• Best for Travel Insurance
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• Choosing the Best Card for Travel
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Best Travel Credit Cards of August 2024: Top Picks for Rewards and Benefits

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.

Introduction to the Best Travel Credit Cards

Whether you're just dipping your toe into the world of rewards credit cards or you've already flown thousands of miles on points alone, we can tell you: There's an ideal travel credit card for everyone.

What are Travel Credit Cards?

Travel credit cards reward people on-the-go with bonus points on travel-related expenses as well as travel-related insurance benefits and purchase protections.

There's a card designed for people seeking free flights, hoping for free hotel stays, or just doing whatever it takes to realize their dreams of relaxing in an overwater bungalow. There are even no-annual-fee travel credit cards that won't cost you anything to maintain.  Let's take a look at the best choices available for you right now. 

Best Travel Credit Cards of August 2024

• Best overall travel credit card : Chase Sapphire Preferred® Card
• Best travel credit card for beginners : Capital One Venture Rewards Credit Card
• Best no-annual-fee travel credit card : Capital One VentureOne Rewards Credit Card ( rates and fees )
• Best for spending at hotels : Wells Fargo Autograph Journey℠ Card
• Best for travel rewards on everyday spending : Citi Strata Premier℠ Card
• Best travel card for students : Bank of America® Travel Rewards Credit Card for Students
• Most affordable premium travel credit card : Capital One Venture X Rewards Credit Card
• Best travel credit card for earning travel credit on dining and groceries : American Express® Gold Card
• Best premium card for travel bonus categories : Chase Sapphire Reserve®
• Best for luxury travel benefits and airport lounge access : The Platinum Card® from American Express

Compare the Best Credit Cards for Travel

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Earn 5x miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.

19.99% - 29.99% variable

Earn 75,000 bonus miles, plus $250 to use on Capital One Travel in your first cardholder year

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $50 experience credit and free upgrades on Capital One Lifestyle Collection bookings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes up to a $100 statement credit for Global Entry or TSA PreCheck
• con icon Two crossed lines that form an 'X'. Other credit cards offer higher rewards in certain categories of spending

If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.

• Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.

0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn 20,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Versatile rewards
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 1.25 miles per dollar on all purchases with no bonus categories to track
• con icon Two crossed lines that form an 'X'. Lower earning rate than some other no-annual-fee rewards cards
• con icon Two crossed lines that form an 'X'. Limited benefits

The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable

Good or Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation and lost baggage protection
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Airline and hotel transfer partners available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Welcome bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous cellphone protection
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low annual fee
• con icon Two crossed lines that form an 'X'. Transfer partner network not as diverse or robust as competitors

The Wells Fargo Autograph Journey℠ Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's newly announced Points Transfer program allows cardholders to juice maximum value from every point they earn.

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• $95 Annual Fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

21.24% - 29.24% variable

Earn 75,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual hotel credit on a single stay of $500 or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay/interruption benefits and lost/damaged baggage coverage
• con icon Two crossed lines that form an 'X'. Has an annual fee
• con icon Two crossed lines that form an 'X'. Citi Travel rates often are higher than retail cost of travel

Earn unlimited 1.5 points per dollar on purchases.

• 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

17.99% - 27.99% Variable

25,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus for a student credit card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns flexible points you can use toward a wide variety of travel purchases
• con icon Two crossed lines that form an 'X'. Other travel rewards cards have higher earning rates
• con icon Two crossed lines that form an 'X'. Few travel-related benefits compared to other travel cards

A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.

• The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
• 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
• Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
• No annual fee or foreign transaction fees

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

See Pay Over Time APR

Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at U.S. supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee
• con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

• Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤

Best Travel Credit Card Reviews

The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.

Best Overall: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees. 

The Chase Sapphire Preferred® Card stands out for its travel protection benefits. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.

You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal. 

The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.

Chase Ultimate Rewards® points are some of the easiest points to use in various ways. You can redeem them for travel directly through the Chase Travel Portal for a 25% boost in value, where 1 point will be worth 1.25 cents apiece. You can also transfer your points to Chase's airline and hotel transfer partners , which include United Airlines, Hyatt, Marriott, and many other airlines and hotel chains around the world. Cardholders can also use points for statement credits, gift cards, merchandise, and more.  

What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus

What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry

Read more: Chase Sapphire Preferred® Card card review .

Best for Beginners: Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great "set it and forget it" card, in the sense that you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 2x miles on all other purchases.

The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem travel rewards: You can use your miles to cover recent travel purchases from your card statement at a rate of 1 cent per mile. 

You also have the option to transfer Capital One miles *** to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners. 

The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles with the different frequent flyer program options. But the upside is that you can always use your miles to cover your travel purchases. You also get up to a $100 Global Entry/TSA PreCheck application fee credit.

What the experts love:  The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.

What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.

Read more: Capital One Venture Rewards Credit Card review

Best for No Annual Fee: Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card ( rates and fees ), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.

New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening (worth at least $340 in travel according to Business Insider's valuations). While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you.

You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance***, travel accident insurance***, and purchase assurance***. This is also a solid pick if you're looking for a zero-interest credit card  with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ).

What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer

What the experts don't love: Few travel benefits, lower earning rate

Read more: Capital One VentureOne Rewards Credit Card review

Best for Boutique Hotels: Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey℠ Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain. 

This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card , and the Capital One Venture Rewards Credit Card . In exchange, cardholders earn at least 3x on restaurants and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.

When launching this card, the card issuer simultaneously announced brand-new Wells Fargo Autograph transfer partners : Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any travel partners above for additional value.

What the experts love: High bonus rates on hotels and flights

What the experts don't love: Limited transfer options (for now)

Read more: Wells Fargo Autograph Journey credit card review

Best Travel Rewards on Everyday Spend: Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.

Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.

While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners , including JetBlue, Singapore Airlines, and Wyndham.

What the experts love:  Strong rewards earning in useful everyday categories, access to Citi's transfer partners

What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards

Read more: Citi Strata Premier℠ Card review

Best for Students: Bank of America® Travel Rewards Credit Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.

There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time. 

The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.

However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.

What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning

What the experts don't love: No flashy extra perks or shopping benefits

Read more: Bank of America® Travel Rewards Credit Card for Students review

Cheapest Airport Lounge Access: Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card was unveiled in late 2021 and offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles.

The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee ( rates and fees ). For context, this annual fee is significantly lower than that of other premium travel cards which offer airport lounge access. 

Capital One Venture X Rewards Credit Card cardholders also receive $300 per year in credits toward travel booked through Capital One; Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users, for free); a 10,000-mile bonus on each account anniversary (worth $100 in travel); and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles , you can transfer rewards to over a dozen airline and hotel partners to book award travel, or use miles to book through the Capital One Travel Portal .

What the experts love:  Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access.

What the experts don't love:  The $300 travel credit is more restrictive than other cards' — it only applies to travel booked through Capital One.

Read more: Capital One Venture X Rewards Credit Card review

Best Travel Rewards from Dining and Groceries: American Express® Gold Card

The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4X Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1X points), 4X Membership Rewards® points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1X points), 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com, 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X Membership Rewards® point on all other eligible purchases.

You can get up to $120 in annual dining credits after enrollment, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.

You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year (this is only applicable to U.S. Eats orders and rides, and the Gold Card needs to be added as a method of payment to the Uber app to receive the Uber Cash benefit).

What the experts love: "4x points on restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1x) and at U.S. supermarkets (on up to $25,000 per year, then 1x) is great — usually, a card favors one or the other," says Rathner. Plus, the card offers monthly dining credits.

What the experts don't love: Wilson notes that other cards offer similar benefits for a lower annual fee, and Rathner notes that the card's travel and dining credits come with some important limitations — so read the fine print. 

Read more: American Express® Gold Card review

Best for Premium Travel Insurance: Chase Sapphire Reserve®

The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody, but if you're serious about maximizing your rewards and you travel frequently, it could be worth it. It offers a bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network, which has more than 1,300 locations worldwide.

New benefits also include access to Chase Sapphire lounges in JFK, LaGuardia, Boston, and Hong Kong, as well as the Chase Sapphire Terrace at Austin Airport. You'll also receive benefit with DoorDash that can save you money on delivery (activation required).

The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required). 

When it comes to redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.

Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.

The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people. 

What the experts love:  Earns 3x points on travel and dining purchases made outside of Chase Travel Portal, annual $300 travel credit, points are worth 1.5 cents apiece for travel booked through Chase

What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while.

Read more: Chase Sapphire Reserve® review

Best Luxury Travel and Airport Lounge Access: The Platinum Card® from American Express

The Platinum Card® from American Express has one of the highest rewards card annual fees —  $695 — but it can still be well worth it if you can put all of its statement credits and generous welcome bonus offer to use.

You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of an Amex Offer ** for bonus points or cash back).

The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership**, you get access to Amex Centurion Lounges , Delta Sky Clubs (when you're flying Delta), and more. 

The card's annual statement credits can go a long way toward offsetting the high annual fee. You get up to $200 in statement credits toward airline incidental fees** like checked bags and inflight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases**; and up to $200 in annual Uber credits (including Uber Eats)**. 

Just keep in mind that you're limited to one designated airline you choose each year in your Amex account for the airline incidental fee credit, and both the Saks and Uber credits are divided into portions. You'll get up to $50 in statement credits toward Saks purchases from January to June, and another credit of up to $50 for Saks purchases from July to December.

With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month.

What the experts love:  Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks

What the experts don't love: This card's $695 annual fee, and minimal bonus categories

Read more: The Platinum Card® from American Express review

Choosing the Best Travel Credit Card

Read Business Insider's guide to points and miles valuations to find out what your airline miles, hotel points, and credit card rewards are worth. Here's our methodology for assigning a cash value to your points and miles .

Why Choose A Travel Credit Card?

While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.

In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights. 

In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:

• Amex Membership Rewards
• Chase Ultimate Rewards
• Citi ThankYou Rewards
• Capital One miles

You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.

Best Travel Credit Card Frequently Asked Questions

Travel credit cards offer various benefits including earning points or miles on travel and everyday purchases, access to travel perks such as lounge access and travel insurance, and often come with sign-up bonuses that can be redeemed for free flights or hotel stays.

When choosing the best travel credit card, consider your travel habits, preferred airlines or hotel chains, annual fee tolerance, and the rewards and benefits offered by the card. Compare different cards to find one that aligns with your specific needs and travel goals.

Some potential downsides include annual fees, higher interest rates if you carry a balance, and rewards programs that might be restrictive if you don't travel frequently. It's important to weigh these factors against the benefits to determine if a travel credit card is right for you.

Yes, most travel credit cards allow you to earn points or miles on everyday purchases, which can help you accumulate rewards faster. However, the earning rate may vary depending on the spending category.

Look for a rewards program that offers a high earning rate on travel-related purchases, flexible redemption options, valuable travel perks, and a generous sign-up bonus. Additionally, consider if the card offers rewards that align with your travel preferences and spending habits.

To pick the right travel credit card for you, you'll want to evaluate its welcome bonus offer, ease of use, benefits, and annual fee. The best one for you will ideally have a combination of an attractive sign-up bonus , lots of options for earning and redeeming rewards, benefits that save you money, and a low or no annual fee.

If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.

The best travel credit card overall is the Chase Sapphire Preferred® Card, but the best card for your particular situation will depend on what benefits you care about the most, as well as how you feel about paying a high annual fee. 

We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.

There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points.

Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program; you don't have the option to redeem your rewards with a wide variety of travel partners (or if you do, the transfer ratio usually isn't great).

Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card , make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.

Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel . The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points. 

A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate. 

Why You Should Trust Us: How We Chose the Best Travel Credit Cards

Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:

• Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
• Ongoing rewards — How many points or miles do you earn on your purchases?
• Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
• Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
• Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?

Read our guide to how we rate credit cards for a closer look at our methodology.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

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16 Best Travel Credit Cards of September 2024

The best travel credit card is one that brings your next trip a little closer every time you use it. Purchases earn points or miles you can use to pay for travel. If you're loyal to a specific airline or hotel chain, consider one of that company's branded travel credit cards. Otherwise, check out our picks for general-purpose travel cards that give you flexible travel rewards without the restrictions and blackout dates of branded cards.

400+ credit cards reviewed by our team of experts ( See our top picks )

80+ years of combined experience covering credit cards and personal finance

27,000+ hours spent researching and reviewing financial products in the last 12 months

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best Travel Credit Cards of September 2024

Chase Sapphire Preferred® Card : Best for Max flexibility + big bonus

Capital One Venture Rewards Credit Card : Best for Flat-rate rewards

Capital One Venture X Rewards Credit Card : Best for Travel portal benefits

Chase Freedom Unlimited® : Best for Cash back for travel bookings

American Express® Gold Card : Best for Big rewards on everyday spending

Wells Fargo Autograph℠ Card : Best for Bonus rewards + no annual fee

The Platinum Card® from American Express : Best for Luxury travel perks

Ink Business Preferred® Credit Card : Best for Business travelers

Citi Strata Premier℠ Card : Best for Triple points on multiple categories

Capital One VentureOne Rewards Credit Card - Miles Boost : Best for Flat-rate rewards + no annual fee

Chase Sapphire Reserve® : Best for Bonus rewards + high-end perks

World of Hyatt Credit Card : Best for Best hotel card

Bilt World Elite Mastercard® Credit Card : Best for Travel rewards for rent payments

United℠ Explorer Card : Best for Best airline card

PenFed Pathfinder® Rewards Visa Signature® Card : Best for Credit union benefits

Wells Fargo Autograph Journey℠ Card : Best for Booking directly with airlines/hotels

Best Travel Credit Cards

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Max flexibility + big bonus

Flat-rate rewards, travel portal benefits, cash back for travel bookings, big rewards on everyday spending, bonus rewards + no annual fee, luxury travel perks, business travelers, triple points on multiple categories, flat-rate rewards + no annual fee, bonus rewards + high-end perks, best hotel card, travel rewards for rent payments, best airline card, credit union benefits, booking directly with airlines/hotels, full list of editorial picks: best travel credit cards.

Before applying, confirm details on the issuer’s website.

Capital One Venture Rewards Credit Card

Our pick for: Flat-rate rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks ( see rates and fees ). Read our review.

Capital One VentureOne Rewards Credit Card - Miles Boost

Our pick for: Flat-rate rewards + no annual fee

With the Capital One VentureOne Rewards Credit Card - Miles Boost , you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card ( see rates and fees ). Still, the bonus offer makes this a solid card for starting out with travel rewards. Read our review.

Chase Sapphire Reserve®

Our pick for: Bonus rewards + high-end perks

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review.

Chase Sapphire Preferred® Card

Our pick for: Max flexibility + big bonus

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review.

Wells Fargo Autograph Journey℠ Card

Our pick for: Booking directly with airlines/hotels

The Wells Fargo Autograph Journey℠ Card stands out among general-purpose travel cards because it pays its highest rewards rates on travel bookings made directly with airlines and hotels, rather than requiring you to go through the issuer's travel agency, where prices might not be competitive. The points are flexible, you get a good bonus offer, and the card comes with a few other nice perks. Read our review.

Wells Fargo Autograph℠ Card

Our pick for: Bonus rewards + no annual fee

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Citi Strata Premier℠ Card

Our pick for: Triple points on everyday categories

The Citi Strata Premier℠ Card earns bonus points on select travel, supermarkets, dining, gas stations and EV stations. There's a solid sign-up bonus as well. Read our review.

U.S. Bank Altitude® Connect Visa Signature® Card

Our pick for: Road trips

The U.S. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee: $0 intro for the first year, then $95 . Read our review .

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee ( see rates and fees ). Read our review.

Chase Freedom Unlimited®

Our pick for: Cash back for travel bookings

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Big rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Bilt World Elite Mastercard® Credit Card

Our pick for: Travel rewards on rent payments

The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. Read our review.

PenFed Pathfinder® Rewards Visa Signature® Card

Our pick for: Credit union rewards

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card . It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

United℠ Explorer Card

Our pick for: B est airline card

The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.

» Not a United frequent flyer? See our best airline cards for other options

World of Hyatt Credit Card

Our pick for: Best hotel card

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

» Not a Hyatt customer? See our best hotel cards for other options.

Ink Business Preferred® Credit Card

Our pick for: Business travelers

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply .

OTHER RESOURCES

How travel rewards work.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip. According to a NerdWallet study , 68% of American adults say they have a credit card that earns travel rewards.

With a travel rewards credit card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Some top travel credit cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while the Marriott Bonvoy Boundless® Credit Card grants bonus points when you use the card at Marriott hotels, grocery stores, restaurants or gas stations.

Not all points and miles earned on travel rewards credit cards are the same:

General-purpose travel credit cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. With their flexible rewards, general-purpose options are usually the best travel credit cards for those who don't stick to a single airline or hotel chain.

Airline- and hotel-specific cards — such as the United℠ Explorer Card and the Hilton Honors American Express Card — give points and miles that can be used only with the brand on the card. (Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.) These so-called co-branded cards are usually the best travel credit cards for those who always fly one particular airline or stay with one hotel group.

How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.5 cents per point, and you can spend them like cash. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:

Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions. See our valuations page for business class valuations and details about our methodology.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value out of your miles, that’s even better.

HOW TO CHOOSE A TRAVEL CREDIT CARD

There are scores of travel rewards cards to choose from. The best travel credit card for you has as much to do with you as with the card. How often you travel, how much flexibility you want, how much you value airline or hotel perks — these are all things to take into account when deciding on a travel card. Our article on how to choose a travel credit card recommends that you prioritize:

Rewards you will actually use (points and miles are only as good as your ability to redeem them for travel).

A high earning rate (how much value you get in rewards for every dollar spent on the card).

A sign-up bonus (a windfall of points for meeting a spending requirement in your first few months).

Even with these goals in mind, there are all kinds of considerations that will influence your decision on a travel rewards credit card.

Travel cards are for travelers

Travel cards vs. cash-back cards.

The very first question to ask yourself when choosing a travel credit card is: Should I get a travel card at all? Travel credit cards are best for frequent travelers, who are more likely to get enough value from rewards and perks to make up for the annual fees that the best travel credit cards charge. (Some travel cards charge no annual fee, but they tend to offer lesser rewards than full-fee cards.) A NerdWallet study found that those who travel only occasionally — say, once a year — will probably get greater overall rewards from cash-back credit cards , most of which charge no annual fee, than from a travel card.

Flexibility and perks: A trade-off

Co-branded cards vs. general travel cards.

Travel credit cards fall into two basic categories: co-branded cards and general travel cards.

Co-branded cards carry the name of an airline or hotel group, such as the United℠ Explorer Card or the Marriott Bonvoy Boundless® Credit Card . The rewards you earn are redeemable only with that particular brand, which can limit your flexibility, sometimes sharply. For example, if your credit card's co-branded airline partner doesn't have any award seats available on the flight you want on the day you want, you're out of luck. On the other hand, co-branded cards commonly offer airline- or hotel-specific perks that general travel cards can't match.

General travel cards aren't tied to a specific airline or hotel, so they offer much greater flexibility. Well-known general travel cards include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card . Rewards on general travel cards come as points (sometimes called "miles" but they're really points) that you can redeem for any travel expense. You're not locked into using a single airline or hotel, but you also won't enjoy the perks of a co-branded card.

Evaluating general travel credit cards

What you get with a general travel card.

The credit cards featured at the top of this page are general travel cards. They're issued by a bank (such as Chase or Capital One), carry only that bank's name, and aren't tied to any single airline or hotel group. With these cards, you earn points on every purchase — usually 1 to 2 points per dollar spent, sometimes with additional points in certain categories.

Issuers of general travel cards typically entice new applicants with big sign-up bonuses (also known as "welcome offers") — tens of thousands of miles that you can earn by spending a certain amount of money on the card in your first few months.

» MORE: NerdWallet's best credit card sign-up offers

What do you do with those points? Depending on the card, you may have several ways to redeem them:

Booking travel. With this option, your points pay for travel booked through the issuer's website, using a utility similar to Orbitz or Expedia. For example, if points were worth 1 cent apiece when redeemed this way, you could book a $400 flight on the issuer's portal and pay for it with 40,000 points

Statement credit. This lets you essentially erase travel purchases by using your points for credit on your statement. You make travel arrangements however you want (directly with an airline or hotel, through a travel agency, etc.) and charge it to your card. Once the charge shows up on your account, you apply the necessary points and eliminate the cost.

Transferring to partners. The card issuer may allow you to transfer your points to loyalty programs for airlines or hotel chains, turning your general card into something like a co-branded card (although you don't get the perks of a co-brand).

Cash back, gift cards or merchandise. If you don't plan to travel, you can burn off your rewards with these options, although you'll often get a lower value per point.

Airline and hotel cards sharply limit your choice, but they make up for it with perks that only they can offer, like free checked bags or room upgrades. General travel cards, on the other hand, offer maximum flexibility but can't provide the same kinds of perks, because the banks that issue them don't operate the airlines or hotels. Still, there are some noteworthy perks on general travel cards, including:

Travel credit. This is automatic reimbursement for travel-related spending. Some top travel credit cards offer hundreds of dollars a year in travel credit.

Trusted traveler reimbursement. More and more travel credit cards are covering the application fee for TSA Precheck and Global Entry, programs that allow you to move through airport security and customs more quickly.

Airport lounge access. Hundreds of lounges worldwide operate separately from airlines under such networks as Priority Pass and Airspace, and several general travel cards offer access to these lounges.

Points programs

Every major card issuer has at least one travel card with a points program. American Express calls its program Membership Rewards, while Chase has Ultimate Rewards® and Citi pays in ThankYou points. Wells Fargo has Wells Fargo Rewards, and U.S. Bank has FlexPerks. Bank of America® travel cards offer points without a fancy name. Travel cards from Capital One, Barclays and Discover all call their points "miles."

These programs differ in how much their points are worth and how you can use them. Some offer the full range of redemption options, including transfers to loyalty programs. Others let you use them only to book travel or get statement credit.

» MORE: Travel loyalty program reviews

Evaluating airline credit cards

What you get with an airline credit card.

Airline credit cards earn "miles" with each purchase. You typically get 1 mile per dollar spent, with a higher rate (2 or more miles per dollar) on purchases with the airline itself. (Some airline cards have also begun offering extra miles for purchases in additional categories, such as restaurants or car rental agencies.) These miles go into the same frequent-flyer account as the ones you earn by flying the airline, and you can redeem them for free flights with the airline or its alliance partners.

Co-branded airline cards typically offer sign-up bonuses (or welcome offers). But what really sets them apart are the perks they give you. With some cards, for example, the checked-bag benefit alone can make up for the annual fee after a single roundtrip by a couple. Common perks of airline cards include:

Free checked bags. This commonly applies to the first checked bag for you and at least one companion on your reservation. Some cards extend this perk to more people, and higher-end cards (with higher annual fees) may even let you check two bags apiece for free.

Priority boarding. Holders of co-branded airline credit cards often get to board the plane early — after the airline's elite-status frequent flyers but before the general population. This gives you time to settle in and gives you a leg up on claiming that coveted overhead bin space.

In-flight discounts or freebies. You might get, say, 25% off the cost of food and beverages during the flight, or free Wi-Fi.

Airport lounge access. High-end cards often include a membership to the airline's airport lounges, where you can get away from the frenzy in the terminal and enjoy a complimentary snack. Some less-expensive airline cards give you only limited or discounted lounge access; others give you none at all.

Companion fares. This perk lets you bring someone with you for a lower cost when you buy a ticket at full price.

A boost toward elite status. Miles earned with a credit card, as opposed to those earned from actually flying on the airline, usually do not count toward earning elite status in an airline's frequent-flyer program. However, carrying an airline's high-end card might automatically qualify you for a higher tier within the program.

The biggest U.S. airlines — American, United and Delta — offer an array of credit cards. Each airline has a no-annual-fee card that earns miles on purchases but provides little in the way of perks (no free bags or priority boarding). Each has a high-end card with an annual fee in the neighborhood of $450 that offers lounge access and sumptuous perks. And each has a "middle-class" card with a fee of around $100 and solid ongoing perks. Southwest offers three credit cards with varying fees; smaller carriers may just have a single card.

» MORE: NerdWallet's best airline credit cards

Choosing an airline

Which airline card you get depends in large part on what airline you fly, and that's heavily influenced by where you live. Alaska Airlines, for example, has an outstanding credit card, but the airline's routes are concentrated primarily on the West Coast. So it's not a great option for those who live in, say, Buffalo, New York, or Montgomery, Alabama.

If your local airport is dominated by a single airline, then you're probably flying that carrier most (or all) of the time by default. Delta, for example, is the 800-pound gorilla at Minneapolis-St. Paul and Salt Lake City. United has the bulk of the traffic at Newark and Washington Dulles. American calls the shots at Charlotte and Dallas-Fort Worth. That airline's credit card may be your only realistic option. If you're in a large or midsize market with frequent service from multiple airlines, you have more choice.

» MORE: How to choose an airline credit card

Evaluating hotel credit cards

What you get with a hotel card.

Hotel credit cards earn points with each purchase. As with airline cards, you typically get more points per dollar for purchases from the co-brand partner, and some cards also give bonus points in additional categories. (Hotel cards tend to give you a greater number of points overall than airline cards, but each individual point is generally worth less than a typical airline mile.) Similar to the airline model, the points you earn with the card go into the same loyalty account as the points you earn from actually staying at a hotel. You redeem your points for free stays.

Hotel cards usually offer a sign-up bonus, but like airline cards, they really make their bones with the ongoing perks. Common perks on hotel cards include:

Free nights. Several cards offer this perk, which can make up for the card's annual fee. You may get a free night automatically every year, or you may unlock it by spending a certain amount within a year. In the latter case, it comes on top of the points you earn for your spending.

Upgrades and freebies. Cardholders may qualify for automatic room upgrades when available, or free or discounted amenities such as meals or spa packages.

Early check-in/late check-out. No one likes having to cool their heels in the hotel lobby waiting for 3 o'clock to check in. And no one likes have to vacate their room by 11 a.m. when their flight doesn't leave till evening.

Accelerated elite status. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder.

» MORE: NerdWallet's best hotel credit cards

Choosing a hotel group

If you decide to go the hotel-card route, you'll need to decide which hotel group gets your business. Hotels aren't as market-concentrated as airlines, so if your travels take you mostly to metropolitan areas, you'll have a decent amount of choice. Keep in mind that even though there are dozens of nationally recognizable hotel brands, ranging from budget inns to luxury resorts, many of them are just units in a larger hotel company, and that company's card can unlock benefits across the group.

Marriott, for example, includes not only its namesake properties but nearly 30 other brands, including Courtyard, Fairfield, Renaissance, Residence Inn, Ritz-Carlton, Sheraton and Westin. The Hilton family includes DoubleTree, Embassy Suites, Hampton Inn and Waldorf-Astoria. InterContinental includes Holiday Inn, Candlewood, Staybridge and Crowne Plaza. Wyndham and Choice have more than 15 mid-tier and budget-oriented brands between them.

HOW TO COMPARE TRAVEL CREDIT CARDS

No travel rewards credit card is going to have everything you want. You're going to be disappointed if you expect to find a high rewards rate, a generous sign-up bonus, top-notch perks and no annual fee. Each card delivers value through a different combination of features; it's up to you to compare cards based on the following features and choose the best travel credit card for your needs and preferences.

Most of the best travel cards charge an annual fee. Fees in the range of $90 to $100 are standard for travel cards. Premium cards with extensive perks will have fees of $450 or more. Weigh the value of the rewards and perks you'll get to make sure they'll make up for the fee.

Can you find good cards without an annual fee? Absolutely! There are no-fee options on our list of the best travel credit cards, and we've rounded up more here . Just be aware that if you go with a no-fee travel card, you'll earn rewards at a lower rate, your sign-up bonus will be smaller, and you won't get as many (if any) perks.

Rewards rate

Rewards can be thought of in terms of "earn rate" and "burn rate".

The earn rate is how many points or miles you receive per dollar spent. Some general travel cards offer flat-rate rewards, meaning you get the same rate on all purchases, all the time — 2 miles per dollar, for example, or 1.5 points per dollar. Others, including most co-branded cards, offer a base rate of maybe 1 point per dollar and then pay a higher rate in certain categories, such as airline tickets, hotel stays, general travel expenses or restaurant meals.

The burn rate is the value you get for those points or miles when you redeem them. The industry average is about 1 cent per point or mile. Some cards, particularly hotel cards, have lower value per point on the "burn" side but give you more points per dollar on the earning side.

When comparing rewards rates, don't just look at the numbers. Look at the categories to which those numbers apply, and find a card that matches your spending patterns. Getting 5 points per dollar seems great — but if those 5X points come only on purchases at, say, office supply stores, and you don't spend money on office supplies, then you're getting lousy value.

Sign-up bonus

Travel cards tend to have the biggest sign-up bonuses — tens of thousands of points that you earn by hitting a certain amount of spending. But there's more to consider when comparing sign-up bonuses than just how many points or miles you earn. You must also take into account how much you have to spend to earn the bonus. While cash-back credit cards often require just $500 to $1,000 in spending over three months to unlock a bonus, travel cards commonly have thresholds of $3,000 to $5,000.

Never spend money you don't have just to earn a sign-up bonus. Carrying $3,000 in debt for a year in order to earn a $500 bonus doesn't make economic sense — the interest you'll pay could easily wipe out the value of the bonus.

Finally, keep in mind that the biggest bonuses will come on cards with annual fees.

Foreign transaction fees

A good travel card will not charge a foreign transaction fee. These fees are surcharges on purchases made outside the U.S. The industry standard is about 3%, which is enough to wipe out most if not all of the rewards you earn on a purchase. If you never leave the U.S., then this isn't much of a concern, but anyone who travels abroad should bring a no-foreign-transaction-fee card with them.

Some issuers don't charge foreign transaction fees on any of their cards. Others charge them on some cards but not all.

International acceptance

Not all travel credit cards are great companions for international travel. While Visa and Mastercard are good pretty much worldwide, you may encounter limited acceptance for American Express and, especially, Discover, depending on the destination. This doesn't mean world travelers should dismiss AmEx and Discover. Just know that if you take one of these cards with you overseas, you'd be smart to bring along a backup in case you run into acceptance problems. (Having a backup card is good advice within the U.S., too, really.)

Travel protections

Consider which travel protections — car rental insurance , trip cancellation coverage , lost baggage protection — are important to you.

"Rewards" are what you get for using a credit card — the points earned with each transaction and the bonuses you unlock with your spending. "Perks" are goodies that you get just for carrying the card. There's a very close correlation between the annual fee on a card and the perks you get for carrying it. Cards with no annual fee are all about rewards and go very light on perks. Premium cards with annual fees of $450 or more are laden with perks (although sometimes their rewards aren't too special). Midtier cards (in the $100 range) tend to have solid rewards and a handful of high-value perks.

Assuming you take advantage of them, the perks often make up for the annual fee on a card quite easily. This is especially true with co-branded cards. Free checked bags can pay for an airline card several times over, and a free night is usually worth more than the fee on a hotel card. When comparing the perks of various cards, be realistic about which ones you will and won't use. Sure, that card may entitle you to a free spa package the next time you're at a five-star hotel, but how often do you stay at five-star hotels?

SHOULD YOU GET A TRAVEL CARD? PROS AND CONS

Pros: why it's worth getting a travel card.

The sign-up bonus gives you a big head-start on travel. Bonuses on the best travel credit cards typically run $500 or more — enough for a roundtrip ticket in many instances.

Perks make travel less expensive and more relaxing. You won't have to worry about cramming a week's worth of clothes into a carry-on if your travel credit card gives you a free checked bag (or automatically reimburses you for the bag fee). Hate the crush of travelers in the terminal? Escape to the airport lounge. Renting a car? Use a travel card that provides primary rental car insurance.

Rewards get you closer to your next trip with every purchase. Spending money on the mundane activities of daily life has a silver lining when you know that every $1,000 you spend will knock $10 or $20 off the cost of that future beach vacation or trip home to see Mom and Dad.

No foreign transaction fee can mean big savings. Take just any old credit card with you on vacation outside the U.S., and $1,000 worth of purchases can cost you $30 off the top due to the foreign transaction surcharge. Good travel cards don't charge this fee.

"Double dipping" gives you more points on travel purchases. Buy a plane ticket or book a hotel room, and you'll earn loyalty points or miles regardless of how you pay. Use the right credit card, though, and you'll earn even more points and miles on top of those.

Strategic redemption can multiply your value. With cash-back credit cards, 1 cent is worth 1 cent, and that's just how it goes. The points and miles on many travel credit cards have variable value based on how you redeem them — booking travel with them vs. transferring them to a partner, booking domestic vs. international flights and economy vs. business class, staying at budget hotels vs. high-end resorts, and so on.

Cons: Why a travel card might not be for you

The best cards charge annual fees. In many cases, the value you get from a credit card more than makes up for the annual fee. But some people are dead set against paying a fee under any circumstances. If that's you, your options in travel cards will be sharply limited, and you won't get the perks that provide a big portion of the value on many cards.

Sign-up bonus spending requirements can be steep. A bonus worth $500, $600 or $700 is attractive, but only if you can afford to earn it with spending you were going to do anyway. If you have to amass thousands of dollars in debt and then pay interest on it, it's not worth it.

Travel cards aren't ideal for infrequent travelers. In the first year with a travel card, you're probably going to come out ahead: You can earn a big sign-up bonus, and several popular cards waive the first year's annual fee, too. In subsequent years, though, you'll break even on that fee only if you use the card enough to make up for it (with the rewards you earn and redeem and the perks you use). Infrequent travelers are more likely to get more total rewards from a cash-back card with no annual fee.

Cash back is simpler and more flexible. Some travel cards allow you to redeem your rewards only for travel. Others give you poor value unless you redeem for travel. Still others have complicated redemption options, making it hard to get the most out of your rewards. With cash-back credit cards, you can use your rewards on anything, you know exactly how much your rewards are worth, and redemption is usually simple.

Rewards cards tend to charge higher interest rates. If you regularly carry a balance from month to month, a travel credit card — or any rewards credit card — probably isn't your best choice. The interest you pay is eating up the value of your rewards. You're better off with a low-interest card that reduces the cost of carrying debt.

MAKING THE MOST OF YOUR TRAVEL CARD

Maximize your rewards with the following tips:

Plan your credit card application around a big purchase to earn the sign-up bonus.

Seize every opportunity to pick up the tab, especially if your travel credit card pays bonus rewards on dining; your friends can pay you back while you collect rewards.

Redeem rewards for travel instead of gift cards, merchandise or (in most cases) cash back to get the best value.

Join the loyalty program associated with a co-branded card — a frequent-flyer or frequent-guest program.

Shop for essentials in your card’s online bonus mall or through its exclusive offers, if available, to get extra rewards.

OTHER CARDS TO CONSIDER

It’s worth considering whether a travel credit card is even right for you in the first place. A NerdWallet study found that cash-back credit cards often earn more money — even for many travelers.

If you carry a balance from month to month, the higher interest rates typically charged by rewards cards can cancel out any rewards earned. If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.

A good travel credit card shouldn't charge foreign transaction fees, but there are good non-travel cards that also don't charge them. See our best cards with no foreign transaction fee .

If you value transparency and flexibility in your rewards, you can't go wrong with a cash-back card — and you can still use the rewards for travel, if you want.

Finally, if you're still not sure what's right for you, take a look at our best rewards credit cards for options beyond travel and cash back.

NerdWallet's Sam Kemmis contributed to this article.

To view rates and fees of the American Express® Gold Card , see this page . To view rates and fees of The Platinum Card® from American Express , see this page .

Last updated on August 20 , 2024

Methodology

NerdWallet's Credit Cards team selects the best travel rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of travelers. Factors in our evaluation include each card's annual fee, foreign transaction fees, rewards earnings rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, and cardholder perks such as automatic statement credits and airport lounge access. Learn how NerdWallet rates credit cards.

Frequently asked questions

Travel credit cards earn points (sometimes called miles) each time you buy something. The standard earning rate is 1 to 2 points per dollar spent, and many cards give you extra points for certain purchases, particularly travel expenses. The value of a point depends on the card that earned it and how you redeem it, but a good rule of thumb is to assume each point is worth an average of about 1 cent.

Your points accumulate in a rewards account, where you can use them to pay for travel. Most cards let you book travel directly using a portal similar to those at online travel agencies or on airline and hotel websites, but instead of paying cash, you pay with your points. Depending on the card, you may also have the option of booking travel any way you want, paying for it with the card and then cashing in your points for a credit against those expenses.

Points and miles are just different names for the same thing: the currency used in a travel rewards program. Some travel credit cards call them points, some call them miles.

Airline frequent flyer programs have long used the term “miles” to refer to the rewards you earn for flying. That’s because at one time, you really did earn rewards according to how many miles you flew — the longer the flight, the more miles you earned. Nowadays, most domestic airlines give out “miles” based on how much you spend, not how far you fly, so they’re really just points. (There are a few exceptions, though, notably Alaska Airlines.)

Especially when it comes to redeeming your rewards, there’s no difference between points and miles. The number of points or miles you need is based mostly on the cost of what you’re redeeming them for. It takes more than 500 miles (value about: $5) to get a free 500-mile flight!

The value of a point or mile depends on the card you earned it with and how you redeem it. A common rule of thumb is to assume that each point or mile is worth an average of 1 cent, although you can certainly get a much higher (or lower) redemption value. See our travel loyalty roundup page for NerdWallet’s current valuations for airline miles and hotel points.

Travel credit cards fall into two main categories: co-branded and general-purpose.

• Co-branded travel cards carry the name of an airline or hotel chain. The rewards you earn on the card can typically be redeemed only with that brand (or maybe its partners). Co-branded cards limit your flexibility, but because they are issued in partnership with an airline or hotel, they can give you special perks, like free checked bags or room upgrades.

• General-purpose travel cards are issued by a credit card company and are not directly tied to any particular airline or hotel. They earn points in the issuer's own program, such as American Express Membership Rewards, Chase Ultimate Rewards® or Citi ThankYou. These points are a lot more flexible, as you can use them to pay for a range of travel expenses, including flights on any airline or stays at any hotel. However, they don’t offer the airline- or hotel-specific perks of co-branded cards.

Travel cards — like rewards cards in general — typically require good to excellent credit for approval. Good credit is generally defined as a credit score of 690 or better. However, credit scores alone do not guarantee approval. Every issuer has its own criteria for evaluating applications.

Business travel can earn credit card rewards just like leisure travel. Credit cards that earn rewards for travel purchases don't distinguish between one or the other — meaning, if a card pays 3X points on airfare, for example, it's going to pay it no matter why you're buying the ticket. There are also travel credit cards specifically designed for business operators, with benefits and perks better aligned with their needs.

Where things get complicated is when you're not arranging the travel yourself. With credit card points, the rewards go to the cardholder. So if you arrange travel through your employer and the cost goes on the "company card," then the company card gets the points. Put it on your own card and get reimbursed later, and you get the points. (And if you have a company card with your name on it? That may come down to company policy.)

When redeeming travel rewards, you want to get as much value as possible. If you can get more value by using your rewards than by using cash, then it's smart to do so. (And of course, the reverse also applies.) NerdWallet has calculated the baseline values of most major credit card points, airline miles and hotel points. When you get a value that exceeds these baselines, go ahead and use your rewards. If not, consider using cash.

For example, say you could book a trip by paying $400 cash for a ticket or by redeeming 50,000 points or miles. In that case, your points would be getting you a value of 0.8 cents apiece (50,000 x 0.8 cents = $400). If the baseline value of each point is 1 cent, then you're better off paying cash and saving the points for when you can redeem them for 1 cent or better.

That said, you don't want to be overthinking it and hoarding points indefinitely in search of the deal to end all deals. Like any other currency, travel rewards lose value over time. That flight that costs 50,000 points today might cost 55,000 next year. Do you have enough points to get you where you want to go, when you want to go, in the way you want to get there? If so, don't let fractions of a penny stop you from booking your trip. It's your money, and you get to decide how to spend it.

A number of travel credit cards come with "travel credits," which reimburse you for specific expenses. The Chase Sapphire Reserve® , for example, has a $300 annual travel credit; several cards offer credits toward things like airline fees or hotel bookings; and a bunch of cards have a credit for the application fee for TSA PreCheck or Global Entry .

The less restrictive a credit is, the easier it is to redeem. The easiest travel credit to redeem is one that:

Applies to a broad range of expenses. Some credits are very fickle. You may get $200 a year in "airline credit," but it applies only to incidental fees (not airfare) on a single airline that you have to choose ahead of time. A card may offer hundreds of dollars in credit toward travel, but you have to go through the issuer's booking portal, where rates may be more expensive and options more limited. Other credits, however, are broad and open-ended: $300 on any travel expense, $100 toward any airline booking, and so on.

Shows up automatically on your statement. Your issuer's system should be able to recognize qualifying expenses and then apply the credit to them without you having to do anything. If the only way to receive the credit is by calling a phone number or submitting receipts or other documentation, that makes it harder to redeem, which in turn makes it less likely that you'll redeem (and that may be the point).

About the author

Sara Rathner

Best travel credit cards of August 2024

• • Credit card strategy
• • Credit card comparisons

• • Rewards credit cards
• • Travel credit cards

• • Credit cards
• • Personal finance

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Bankrate's Best Travel Credit Cards of August 2024

• Best for sign-up bonus: Capital One Venture Rewards Credit Card
• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for low cost: Capital One VentureOne Rewards Credit Card  
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for savers: Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel

Earn 75,000 + $250 in Travel Credit

Rewards rate

5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel, 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

Regular APR

19.99% - 29.99% (Variable)

Why you'll like this: Its newest sign-up bonus is easily one of the most valuable you can get on a mid-tier travel card.

Best starter travel card

Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

21.49% - 28.49% Variable

Why you'll like this: It carries solid travel perks and protections, a great mix of bonus categories, valuable points and flexible redemption.

Best for luxury travel

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

Why you'll like this: No other card offers so many annual credits, such comprehensive airport lounge access and such valuable travel protections and hotel privileges.

Best for low cost

Capital One VentureOne Rewards Credit Card

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel, 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

Why you'll like this: It’s one of the only no-annual-fee travel cards that lets you transfer miles to airline and hotel partners.

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + earn up to $100 back

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Why you'll like this: Food-related perks are the core of this card — from its annual dining and food delivery credits to its competitive dining rewards rates.

Best for everyday spending

Citi Strata Premier℠ Card

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

21.24% - 29.24% (Variable)

Why you'll like this: It’s a great option for occasional travelers thanks to its everyday rewards, practical perks and pairing potential.

Best for intro APR

Bank of America® Travel Rewards credit card

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you'll like this: It boasts a more valuable welcome offer than most no-annual-fee travel cards and is one of the few that offers an intro APR.

Best for point values

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Why you'll like this: Points are worth 50 percent more when you redeem via Chase Travel — the best value you can get on a general travel card without transferring points.

Best for practical perks

Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel, 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

Why you'll like this: It’s likely your most cost-effective path to top-tier perks like airport lounge access, and annual travel credits.

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

Why you'll like this: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels, Earn unlimited 4X points on airlines, Earn unlimited 3X points on other travel and restaurants, Earn 1X points on other purchases

21.24%, 26.24%, or 29.99% Variable APR

Best no-annual-fee hotel card

Hilton Honors American Express Card

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

Why you'll like this: It’s remarkably well-rounded thanks to its everyday reward categories, which make it a lucrative card even if you only travel occasionally.

Best for luxury hotel perks

Marriott Bonvoy Brilliant® American Express® Card

Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 185,000 Marriott Bonvoy bonus points

Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines. 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.

Why you'll like this: It offers terrific value via its luxury perks, including Platinum Elite status, annual reward nights and a $300 Marriott dining credit.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Bilt credit card.

3x points on dining, 2x points on travel, 1x points on other purchases, Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

Best for gas

Wells Fargo Autograph℠ Card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

20.24%, 25.24%, or 29.99% Variable APR

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 50,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S. and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

Why you'll like this: The annual companion certificate is easy to earn and carries enough value to offset the annual fee on its own.

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Earn 50,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

Why you'll like this: Its high-value sign-up bonus and anniversary points make this a low-risk card for occasional flyers.

Best for savers

Bank of America® Premium Rewards® credit card

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

Why you'll like this: The Preferred Rewards program can give this card the highest flat travel rewards rate out there.

Best for first-year value

Discover it® Miles

Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

Why you'll like this: Discover’s first-year rewards match could carry more value than the bonuses you’ll find on even the best no-annual-fee travel cards.

Best for fair credit

Credit One Bank® Wander® American Express® Card

Intro offer is not available for this Credit One Bank credit card.

10X points on eligible hotel and car rentals booked using the Credit One Bank travel partner. 5X points on eligible travel including flights, dining, and gas purchases. 1X points on all other purchases.

29.99%* Variable

Why you'll like this: It boasts perhaps the highest travel rewards rate you can get with a fair credit score.

Remove a card to add another to compare

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which they can redeem for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight —  they also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

The pros and cons of travel credit cards

Co-branded travel cards vs. general travel cards.

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards aren’t affiliated with a specific travel brand. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry.

However, you won’t be able to use your rewards with different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than general travel cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and comprehensive airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the  steps to choosing the best travel card .

Know how you prefer to travel

Knowing whether your travel expenses are primarily airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mainly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

Weigh redemption value versus redemption options

Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider travel points or mile programs that allow you to redeem at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

Find a card that matches your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

Calculate whether the rewards and perks are worth the annual fee

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

Consider where you may travel abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If you also have a trip coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Here’s how a Bankrate editor chose his travel card

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy. I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s credits may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These ‘loopholes’ can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

How do credit card points and miles work?

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to  make the most of your travel rewards .

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to understand this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average.

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for the loyalty programs of the most popular airlines (in terms of passengers carried). You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often worth less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and our valuation, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

Bankrate’s latest point and mile valuations

When to use rewards vs. cash.

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

What are the most important travel card perks?

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you read the fine print. While the Amex Platinum may not be as ideal for travel protections, its credits more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

How we assess the best travel credit cards

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

• Flexibility 15%
• Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of a premium card by taking advantage of the various travel perks and features included on the card. 

Who should get a travel credit card?

A travel credit card is almost always a great fit for frequent travelers or anyone who wants to save money and smooth out their next vacation with rewards and perks. However, the right travel card for you will depend on your travel habits.

Here are some of the people who should get a travel card: 

• Frequent travelers
• Travel brand loyalists
• Travel beginners
• Business travelers
• International travelers
• Luxury travelers

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global Entry:Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on July 24, 2024.

Discover International acceptance . Discover. Accessed on July 31, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on July 31, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Redeeming Recognition Points

Your recognition points can be exchanged for real rewards.  Redeem points as you receive them or save them up for a special reward; the choice is yours.

Redeem Inspire Recognition Points

• Please view this video:

These are the points redemption steps shown in the video:

• Click Redeem , located at the bottom of the Recognition Widget on your Home Page, as shown in the video clip above.

TIP: Redeem can also be found within the Recognition module ( Module menu > Recognition ) and also under My Profile (personal profile photo on top right corner > My Profile > Recognition tab).

• The Redeem Points page opens. Enter the number of points you want to redeem, then click Review & Confirm.

NOTE:    There is a $5.00 minimum requirement on redemptions.  The warning banner at the top of the Redeem Points page reminds you that once you redeem points in Inspire, they can not be redeposited into your Inspire points balance.  

• Carefully review your redemption request. If it is correct, click Confirm Redemption.

The  Redemption complete page appears. 

Decide whether to choose your gift now or later

Having redeemed your Inspire points, you can now decide when to choose your gift. If you prefer to:

Selecting Your Gift Card(s)

•   Please view this video:
• Select your gift from the Reward Catalog. Follow the instructions in the Reward Catalog for the specific gift selected. Be sure to note any expiration dates which may apply. 

NOTE: Your  Rewards Catalog balance  reflects the  current cumulative balance  of your  unredeemed rewards . This balance is available to you to redeem now, or to accumulate and redeem later for one or more gifts within the Rewards Catalog.

• When redeeming your rewards within the Rewards catalog, carefully review where the digital delivery will be sent to - verify the first and last name, and the email address where the reward redemption will be sent.   
• If necessary, enter the correct email address in to the  Email Address  field.
• Finally,  retype  the correct email address into the  Confirm Email Address  field before clicking  REVIEW & COMPLETE MY ORDER .  

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Dream, discover, book with Chase Travel

Go further when you book with Chase Travel

Competitive rates.

Take advantage of competitive rates at thousands of hotels and resorts, with no booking fees.

Seamless booking

Smoothly plan and book your whole trip, from coveted hotels and convenient flights to cars and must-do local experiences.

Premium benefits

Make the most of your card rewards. Access exclusive benefits and earn and redeem like never before.

Condé Nast x Chase Travel

Get inspired with our new hotel and destination guides created by Architectural Digest, GQ, Vanity Fair and Vogue exclusively for Chase Travel.

Get rewarded

Earn and redeem Ultimate Rewards points with your eligible Chase card, including Chase Sapphire, Freedom, Ink Business credit cards and more.

Find inspiration

Don’t just dream it. Discover your next adventure with help from fresh trip recommendations and curated picks for unforgettable stays.

• Airport lounges
• Dining & experiences
• Not a cardmember? Learn more

Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. *   Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. Offer ends 12/31/2024 . *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

From ordering your favorite gourmet takeout to restocking your groceries with a free DashPass membership on both DoorDash and Caviar. You’ll pay a $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 * . Plus DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account * and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. *

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

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TravelAwaits

Our mission is to serve the 50+ traveler who's ready to cross a few items off their bucket list.

Travel Rewards Tips: Beyond Flights & Hotels

• News and Tips
• Points & Miles
• Travel Tips

Travel rewards programs help millions of people experience the world. The setup is simple : spend on travel costs with a specific credit card, then earn free flights and lodging along the way.

The setup might be simple, but the fine print within travel rewards programs can be dizzying. Most people stick to programs that match their lifestyle. Frequent travelers focus on heftier rewards and savings, while fans of luxury might target programs that revolve around business-class flights and four-star hotels.

As mentioned up top, programs are focused on transportation and lodging, since these are typically the priciest part of a trip. But what about rewards programs that extend their reach beyond the scope of flights, hotels, and airport lounges?

Interesting question.

Over the last few years, more companies have started to expand their rewards offerings . Not only can members apply points to hotels and flights, but also for adventurous experiences and beyond. And, on the other end of the spectrum, some non-travel companies have started to enter the rewards space.

Want to elevate and evolve your approach to travel rewards? I’ve got a few travel rewards tips that go beyond the standard formula. Let’s see what sorts of truly unique programs are out there and how they could work for you.

Earn rewards points from Airbnb

Officially, Airbnb doesn’t offer any type of structured rewards or loyalty program. However,

when you use certain travel rewards credit cards to book Airbnb stays, you can earn points toward other rewards.

Capital One offers three rewards programs that allocate points for Airbnb stays. These include its Capital One Venture Rewards, Capital One Venture X Rewards, and Capital One VentureOne Rewards cards.

Two airlines also offer miles in exchange for Airbnb bookings made through their platform. These include Delta Air Lines and British Airways. To earn miles, make sure that you book Airbnbs that are offered directly on the Delta and British Airways websites.

Bundled rewards programs like One Key Rewards

Let’s venture into unique territory: hybrid rewards models. One Key is a new rewards program launched by Hotels.com, Expedia, and VRBO. Users sign up and start booking on these platforms, which allows them to collect One Key Cash and ‘trip elements’.

As program members book, they’ll progress through various tiers, starting at Blue and ending at Platinum. Blue Rewards includes perks like free price tracking for flights on Expedia, while Platinum includes experiences like room upgrades and price drop protection.

Costco members: join Costco Travel

Costco truly knows no bounds. I’m sure I’m late to the game on this one, but I was floored to realize that Costco has an entire travel department . If you’re already a member of Costco, then check out their travel program.

The company wields its massive retail power to bring its members exclusive pricing on hotels, flights, cruises, rental cars, and more. I’ve taken a look around the website and can assure you—the options are incredibly varied, from European cruises to adventures in Maui. The resort stays, in particular, are worth a gander.

Retail & meeting rooms with Accor Live

Accor Live has one of the most expansive and varied rewards programs in the travel sector. This hotel group offers a loyalty program that isn’t dissimilar to other rewards programs from leading hotel groups like Hilton. But there’s a lot more on offer than exclusive hotels and cheap flights.

One of its more unique elements is allowing rewards members to spend points on general purchases. From Apple Air Pods to rice cookers, members can choose to spend their hard-earned points on those mundane things they haven’t gotten around to purchasing. I haven’t seen this shopping in many other places.

Another unique feature is the option to book event spaces and meeting rooms. Accor’s travel rewards program includes access to over 20,000 offices around the world. I personally don’t envision a future in which I would use this—but I think it’s worth shouting out as a remote worker.

Travel rewards tips: Conclusion

Your approach to travel rewards should be focused on your lifestyle. But there’s plenty of flexibility in how you access rewards, whether leveraging your Costco membership or using points to shop on Accor. So if you’ve been feeling a little underwhelmed, then dig a bit deeper for a new program.

Tay Belgeri is a content writer with global experience. She writes for brands like Santander Bank, PokerStars, DraftKings, and OddsChecker. Her affiliate posts have appeared on AP News, Ranker, Notion, OK! Magazine, and other major sites. She writes about a variety of cultural topics (from sports to high fashion) but specializes in travel. Originally from Missouri, she now lives in Spain. In a few years, she will have spent more time outside the US than inside it. Career highlights: • Selected to present research by the National Council of Undergraduate Research (2014) • Acquired grants for New York City’s first Indigenous Peoples Day Celebration (2015) • Joined OddsChecker’s US Launch team (2020) • Shortlisted for the Foreword INDIES (2021, 2023)

ARE YOU A TRAVEL AGENT? ARE YOU A TRAVEL AGENT?

Calling all travel agents!

Join DO Travel Rewards, the loyalty program of the Dominican Republic, and unlock exclusive benefits while making your job easier. No matter where your clients book, if it's for the Dominican Republic, reporting those bookings opens the door to cashback opportunities and so much more.

Connect with a vibrant community of like-minded professionals and access streamlined tools designed to enhance your experience.  Elevate your journey with DO Travel Rewards – sign up now and enjoy the perks of being a valued member!

Together, let's lead the way, inspire others, and create a future where extraordinary travel experiences become the rule.

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“República Dominicana es un gran ejemplo dado para el mundo y ha demostrado su liderazgo de como desarrollar turismo sostenible”. 

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Yes, you can, and at Inspire we can help you book all scheduled flights including low-cost carriers, subject to availability. However, a booking fee may be applied. Some air carriers can only be booked as part of a package. Please call us on 0161 440 6620 to check which airlines this applies to and if booking fees are applicable.

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PEOPLE's 100 Companies That Care in 2024: Employers Putting Their Communities First

The businesses on PEOPLE's annual list go the extra mile to honor their customers, empower their employees — and make the world a better place

Alycee Byrd

Together with global workplace authority Great Place to Work, we surveyed companies across the U.S. to find those that best demonstrate outstanding respect, care and concern for their communities, their employees and the environment. The rankings are based on more than 1.3 million survey responses from companies representing more than 8.2 million employees. Companies interested in applying for next year’s list can visit Great Place to Work .

Cisco , a worldwide leader in technology that powers the Internet, has a purpose-driven mission: to power an inclusive future for all. And that mission drives the San Jose-based IT giant well beyond technological innovation.

In 2018, Cisco made an historic pledge to address homelessness in Santa Clara County, Calif., committing $50 million in grant funding over five years — the largest corporate donation of its kind at the time. The aim: to make homelessness rare, brief and nonrecurring in the county; to develop a model that could be replicated outside of Silicon Valley; and to encourage other like-minded companies to join the fight. In the past six years, that commitment has been exceeded, with more than $130 million invested worldwide. This includes fruitful partnerships with nonprofit organizations like Covenant House, Habitat for Humanity and Communità di Sant’Egidio in Italy. 

"At Cisco, we are driven by our Purpose to power an inclusive future for all, and it's an honor to see our team and partners recognized in People . Awards like Companies that Care empower a growing movement to make sure individuals and populations don't get left behind in this transformative age," says Francine Katsoudas, Chief People, Policy and Purpose Officer at Cisco. "This past year and for the fifth consecutive year, over 80 percent of Cisco employees supported communities and causes they love. But giving back and helping all individuals realize their full potential is not just fundamental to Cisco's culture — it's fundamental to our shared future."

The Hilton Global Foundation and Tempo

Hilton — a leading global hospitality company with a portfolio of 22 world-class brands comprising 7,300 properties and nearly 1.1 million rooms in 123 countries and territories — is committed to championing organizations whose efforts support destination stewardship, climate action, career development and community resilience. 

Through its charitable arm, the Hilton Global Foundation, the company has awarded grants that have positively impacted more than 1.4 million people and provided critical relief to impoverished communities worldwide. In September 2023, in partnership with the Planet Water Foundation, Hilton team members helped install an AquaTower water filtration system in Puebla, Mexico, to provide the community access to clean drinking water.

“Hilton was founded on the belief that hospitality is a powerful force for good. Hilton and the Hilton Global Foundation are harnessing the transformative power of hospitality by driving meaningful impact in the communities where we live, work and travel,” says Katherine Lugar, EVP, Corporate Affairs and president, Hilton Global Foundation.

The Wonderful Company

Wonderful College Scholars

The Wonderful Company — the Santa Monica-based enterprise that grows, harvests, packages and markets popular brands like FIJI Water and POM Wonderful — wants to ensure that the next generation of leaders receives quality education.

That’s why children of Central Valley, Calif.-based employees (among more than 5,000 students from 70 high schools supported across the region annually) are eligible to receive company-sponsored scholarships of up to $40,000 per year, as well as individual college and career guidance. Beginning in ninth grade, they offer one-on-one counseling, weekly homework labs and individualized tutoring sessions. They also offer college-campus tours and assistance with financial aid applications. 

“As Wonderful Neighbors, our commitment is to actively listen to community needs and collaborate on game-changing opportunities,” said Andy Anzaldo, chief operating officer of corporate social responsibility at The Wonderful Company in 2023. “All to improve the lives and opportunities of generations to come.”

Marriott International

A hospitality leader based in Bethesda, Md., Marriott International encompasses a portfolio of nearly 8,900 properties across more than 30 leading brands in 141 countries and territories. That global positioning has given the company a unique perspective on doing good work throughout the world. 

In 2022, Marriott made a public commitment to hire at least 1,500 refugees in the U.S. by 2025, and the following year they doubled down on 1,500 more hires throughout their European region by 2026. Putting a human face on this commitment are Ehsanullah Safi and Shah Faisal Safi, cousins who fled Afghanistan in 2021, and who are now proud associates at the Marriott Bethesda Downtown at Marriott HQ.

“The Safi cousins are fantastic associates, passionate and hardworking,” says Apoorva Gandhi, Senior Vice President Multicultural Affairs, Social Impact and Business Councils. “They’ve earned enough to buy their first family car, and their shifts are aligned so they can travel from home together. It provides them with not only income, but opportunities for the future. I text with their uncle, and he tells me they love their job, they love Marriott, and they love America. Multiply this hundreds of times, and you can begin to see the impact that we’re having on people’s lives."

Veterans United Home Loans

Veterans United , headquartered in Columbia. Mo., helps service members and veterans achieve the American Dream of homeownership — but the company also demonstrates a strong commitment to literacy and education. 

Through its partnership with Scholastic Book Fairs, the Veterans United Foundation has been successful in bringing book fairs to Title 1 schools across Missouri, Kansas, Texas and Virginia, with the goal to foster a love of reading. Hundreds of VUF volunteers help set up displays, read aloud to children and help students select age- and reading-level-appropriate titles they can take home to enjoy. 

“Through the data Scholastic gathered,” explains Erika, a VUF manager, “we learned there were some schools that hadn’t had a book fair in more than ten years.” Said another volunteer: “When the students came in today, their eyes were as big as saucers. It just means the world to these kids.”

A key innovator of computer graphics and A.I.,the Santa Clara, Calif.-based NVIDIA recognizes its passionate, driven employees, who know where and how they want to make an impact in their communities. 

To help inspire even more involvement, NVIDIA’s Inspire 365 program rewards giving back by doubling charitable donations, organizing volunteer opportunities and even matching employees to nonprofits specifically aligned with their interests. In each office, employee representatives, called Inspire Champions, work closely with the company’s charitable arm, the NVIDIA Foundation, to identify causes most important to local employees and nearby communities. In the last fiscal year, more than 40 percent of NVIDIANs participated in the Foundation's Inspire 365 efforts, donating more than $16 million and logging nearly 40,000 hours of hands-on volunteer time.

“[We] here at NVIDIA feel our work is meaningful and impactful to the world at large,” says one team member. “Our CEO [Jensen Huang] says, ‘Come to NVIDIA to do your life's work,’ and we feel that is exactly what we are doing.”

Wegmans Food Markets, Inc.

Wegmans , the supermarket chain with more than 100 locations in the eastern U.S., lives the values of the late Robert Wegman: “Never think of yourself; always help others.” 

One way the company is succeeding in giving back is through its Perishable Pickup Program, which donates unsold perishable food items to local food pantries and food banks throughout the week, getting the items to people who need them desperately. What began as a limited program comprised mainly of donations from in-store bakeries has expanded to include items from the dairy, deli, cheese shop, meat and produce departments, and restaurant. In all, last year Wegmans donated more than 32 million pounds of perishable and nonperishable food to help reduce hunger.

“At Wegmans, we believe good people working toward a common goal can accomplish anything they set out to do,” said CEO Colleen Wegman in the company’s 2023 impact report. “[We] continue to deliver against our mission to help people live healthier and better lives.”

BayCare Health System

Baycare Health Systems

Formed in 1997 by a group of local hospitals determined to continue providing not-for-profit health care to the community, BayCare Health System provides an integrated network of services, with 16 hospitals, ambulatory and physician services throughout the Tampa Bay and West Central Florida regions. 

BayCare realizes that effective care doesn’t end when a patient leaves the hospital, and that nutrition is an essential component of wellness, which is why they ask everyone they discharge if they have enough food at home, providing food insecure individuals with “healing bags,” a two- to three-day supply of nonperishable items, like pasta, canned goods and grains. 

“We strive to bridge the gap between hunger and health, treating food insecurity as we would any other barrier to well-being,” says Lisa Bell, BayCare’s director of Community Benefit, whose team has helped drive implementation of the initiatives across the system. “By addressing this fundamental need, we are not only nourishing bodies but also fostering stronger, healthier communities.”

Sheetz, Inc.

Founded in 1952, Sheetz —based in Altoona, Pa.—is one of America's fastest-growing family-owned and -operated convenience restaurant chains, with more than 680 stores in six states serving 1.6 million customers daily.

Supporting accessibility and increasing employment opportunities are core values at Sheetz, which led the company to create the Store Team Helper program, which places individuals with intellectual and developmental disabilities. The pilot program has already helped 20 people, including Abel Keith of Hollidaysburg, Pa., gain experience and employment in multiple locations in Pennsylvania. 

“As soon as Abel walks through the door in the morning, it sounds like a sitcom in here because we're all like, ‘ Heyyyyy , Abel!’" says store manager Sarah Rogal. “He has brought patience and laughter to our store. He pays attention to all of our life happenings and asks about them. He loves to say hello and greets any customer he sees. He pumps us up when he starts dancing to the songs on the radio. There is never not a smile on his face, and he always fist bumps us goodbye and asks when he'll see us next. Any task that is asked of him, he says, ‘You got it, Boss,’ with a smile. He’s always eager to learn something new.”

The consumer finance specialists at Synchrony , based in Stamford, Ct., know that it’s essential to invest in the development and retention of team members. So they’ve taken great strides to offer skills training, education, mentorship and learning and development opportunities. 

Through Synchrony’s Tech Apprenticeship Program, employees are offered a year of intensive training and education in different tracks, including artificial intelligence (AI), business continuity and disaster recovery, information security and tech supplier management. Open to anyone in a non-tech role, with or without a college degree or technical training, the program is designed to develop technology, business and leadership skills. 

“I have the curiosity to learn new things all the time,” says Brittany Weisbeck, an AI apprentice who started her career at Synchrony in 2014. Weisbeck, a working mother who doesn’t have a college degree, calls the opportunity life-changing: “This unique program, which will prepare me for a career in artificial intelligence, is a huge opportunity for me, and I’m so grateful for it every day.”

Rocket Companies

Rocket Company

Rocket Companies , a fintech platform centered on personal finance and consumer technology, operates under a For-More-Than-Profit philosophy, recognizing that businesses and communities are inextricably linked.

Since 2010, Rocket Companies’ team members have volunteered more than one million hours nationwide, the equivalent of 114 years of time donated to community cleanup, student mentoring, building homes and much more. In Rocket’s hometown of Detroit, the company is helping citizens buy homes and complete necessary repairs on their current homes. The Rocket Community Fund developed the Motor City Contractor Fund (MCCF), alongside their partners at Community Reinvestment Fund, Invest Detroit and Barton Malow Builders. MCCF, which was launched as a $10 million pilot program, will remove barriers for and provide Detroit-based contractors with a suite of services to grow their capacity and succeed in the increasingly competitive local marketplace. 

“The support we give our community and the city of Detroit is amazing,” says one employee. “It is the reason I came to work for the company. Our CEO and the Rocket Community Fund really support the Detroit, and I am helping support that mission.”

Paramount Software Solutions

Paramount Software Solutions , an emerging technology product, technology services and staffing solutions company based in Atlanta, uses a “Rethink, Reinvent and Give Back” paradigm to guide their business. Socially-driven innovation is at the heart of Farm To Plate, their flagship blockchain-for-food-supply-chain product, which connects consumers, farmers, producers, manufacturers and logistics — promoting food and financial sustainability and reducing waste. 

“Our goal is simple yet profound,” explains Pramod Sajja, Paramount’s president and CEO. “To build a transparent, sustainable and trusted food supply chain that benefits producers and consumers, ensuring that every product’s journey from farm to plate is one of integrity.”

Paramount is also a lead sponsor of the Vibha Dream Mile race in Atlanta. Vibha, a platinum-rated nonprofit rated among the top 0.5 percent of 1.8 million listed nonprofits in the world, uses the funds generated from the race and other initiatives to help drive child development programs in the United States and India. To date, the Dream Mile has raised more than $3 million to support more than 180,000 children.

Comcast NBCUniversal

Comcast NBCUniversal , the global media and technology company based in Philadelphia, is committed to helping low-income families access the Internet so they can fully participate in educational opportunities and the digital economy. Working alongside a network of nonprofit partners and city leaders, in 2020 the corporation launched Lift Zones, providing free WiFi inside centrally located neighborhood community centers for students, adults and seniors. 

Comcast NBCUniversal has activated more than 1,250 Lift Zones nationwide, helping more than six million unique users get connected. More than 92 percent of sites with Lift Zones reported that the functionality helped them increased digital equity in their communities. 

“We will continue to create even more packages and options to offer our customers and the communities we serve,” explains Broderick D. Johnson, Executive Vice President, Public Policy, and Executive Vice President, Digital Equity for Comcast Corporation. “We’ve made so much progress closing the digital divide and we remain committed to doing our part to ensure more Americans stay connected and that no one gets left behind.”

Alston & Bird LLP

Alston and Bird

Based in Atlanta, Alston & Bird is a leading international law firm with core practices spanning complex litigation, corporate, intellectual property and tax — but the firm’s culture is steeped in service and teamwork. 

To help create an intentionally inclusive culture, Alston & Bird’s D&I and Pro Bono Committees joined together in 2020 to launch a Racial Justice Initiative, and that important work continues today through steady pro bono work, racial justice panel discussions, a Racial Justice Fund and much more. The fund has supported Michelle Mapp, an Equal Justice Works Fellow, who has advocated for the passage of a Tenant Right to Counsel law in South Carolina to prevent eviction and displacement of low-income and African American households. In total, last year, the firm completed 56,682 pro bono hours, with 98 percent of associates participating. 

“The firm continues to place a true emphasis on culture, which shows in who we hire and how people interact with one another on a daily basis,” says one associate. “This is a truly collegial place to work. Showing that its priorities are in the right place, the firm highly emphasizes diversity, inclusion and pro bono work.”

Publix Super Markets

Publix Super Markets , currently operating 1,377 stores across eight states, cares for its employees and the communities they live and work in — especially in times of need. 

When Hurricane Ian struck in 2022, the Publix store in Fort Myers Beach, Fla., was forced to close for months. On May 25, 2023, it reopened, with associates and locals joining in the celebration. The store handed out care packages to the first 300 customers and provided boxed lunches to the residents and construction crews still working to rebuild homes and infrastructure on the island. Publix also donated $5,000 in shelf-stable food, hygiene items, paper products and a Publix gift card for the purchase of additional needs to Beach Baptist Church to go toward efforts to help those still impacted by the storm.

“At Publix, we remain committed to standing side-by-side with residents and our associates as the community rebuilds,” said Lindsey W., Publix media relations manager at the time. “We are honored and privileged to serve our customers and welcome them back to their Publix store.”

Jeff Harasimowicz with Dream Foundation

Headquartered in San Francisco, Turo Inc. is the world’s largest car sharing marketplace, with a vibrant community of trusted hosts across the US, Canada, France, Australia and the U.K.

For the past five years, Turo has partnered with Dream Foundation, the only national dream-granting organization for terminally ill adults, to help fulfill end-of-life wishes. In collaboration with the Dream Foundation, Turo has helped facilitate 239 “dreams,” with 92 accomplished last year alone. 

This includes one for Debra Sodomka of Burnsville, Minn., who at 63 was diagnosed with glioblastoma, a terminal brain cancer. With Turo’s assistance in assuring the Sodomkas could travel comfortably and for free, Debra and her husband Joe went Seattle to see their musician son Dan perform on stage and celebrate his album release. “Every parent likes to see their children experience their own dreams,” said Debra of the trip. “To be a part of that...was amazing.”

Nugget Market, Inc.

Nugget Market

Nugget Markets , family-owned and -operated in Northern California since 1926, is a family of 16 stores, a central kitchen, a warehouse distribution center and a corporate support team, all dedicated to creating an extraordinary grocery experience — and an eco-friendly one at that.

Nugget recently celebrated its first full year of implementing the use of clean, green energy at half of their store locations with Bloom Energy fuel cells. The cells provide those eight stores with certified clean energy 24/7, eliminating the need for reliance on PG&E — even when the power grid suffers interruption.The cells generate a total of 16.4 billion watts of electricity annually, eliminating 4.6 million pounds of carbon dioxide from the environment — the equivalent of saving 225,000 gallons of gasoline. Nuggets eco-friendly efforts are pushed forward by a dedicated sustainability coordinator and “Green Guru” teams in every store.

“It’s an incredible company to work for,” says one associate. “They truly care. In the end, we’re more than just workers — we’re family.”

Bank of America

Joel Plotkin

Bank of America creates a culture of caring for its employees by respecting work-life balance. The financial institution headquartered in Charlotte, N.C., offers an industry-leading sabbatical program to recognize and reward loyal employees. Teammates with 15 years of continuous service have the opportunity to take an additional four weeks of paid time off to recharge and refocus. After reaching 20 or 25 years, five weeks are available; after 30 years, six weeks are available.

In 2023, One BoA employee used the opportunity to take her young son from California to Nevada to meet his 87-year-old great-grandmother, the woman who raised her — a meeting that hadn’t yet happened because of the pandemic. In all, she was able to take a month to recharge and invest in joyful family times.

“It felt so amazing to spend quality, uninterrupted time with Jimi, and see him experience so many new things he was not able to because of the pandemic,” she says. “We made memories I will never forget.”

American Express

Leading global payment company American Express is committed to helping their team members — and community members — reach their career goals.

Through the American Express Leadership Academy, funded through the Amex Foundation, they have invested more than $100 million to support 165,000 leaders over the past 16 years. Many of those Academy alumni are now senior leaders and CEOs of nonprofits around the world. Amex relaunched the Academy in late 2022 to amplify its impact, focusing on “Resilient Changemakers” and helping nonprofit leaders around the world accelerate their development and build skills to meet the unique challenges facing communities post-pandemic. The 2023 class of 75 underrepresented nonprofit leaders from the U.S., Canada and Latin America took part online and on site in talks and panel discussions with cultural, governmental and philanthropic leaders; got hands-on training in communication and storytelling; and received peer coaching and one-on-one coaching, with a focus on combating burnout.

Alice Lin Fabiano, Vice President of Community Impact and Chief Operating Officer of the American Express Foundation recently said of the 2024 class:  "We're thrilled… to support the development of nonprofit leaders worldwide. We aim to strengthen the skills of leaders who are embedded within and represent the communities they serve so they can deliver solutions to societal challenges during uncertain times."

Hyatt Hotels Corporation

Hyatt Hotels Corporation , headquartered in Chicago, is a leading global hospitality company, with more than 1,300 properties in 76 countries — and it's a company guided by the purpose to care for people so they can be their best. 

Recognizing that economic inequality is at the root of systemic injustice, Hyatt has adopted a robust supplier diversity program intended to drive social change and racial equity by expanding opportunities for diverse- and women-owned businesses. The corporation set a goal to expand its purchasing with minority-owned businesses, specifically Black-owned businesses. By the end of 2022, Hyatt had surpassed its stated goal, with Black supplier spending accounting for 34 percent of these new diverse- and women-owned suppliers. In the past four years, more than 500 new Black suppliers have been identified, and their goods and services elevate the Hyatt experience. 

Derrick Morrow, general manager of Hyatt Regency Atlanta, calls partnering with Symphony Chips, a local Black-own potato chip producer, an honor. “We want to represent the community we serve,” he says.

Plante Moran

Southfield, Mich.-based Plante Moran , one of the nation’s largest audit, tax, consulting and wealth management firms, bases its company culture, according to one team member, on the Golden Rule: “It makes us unique. We care about our people. We care about our clients. We care about our community. We care about our families. And we are dedicated to bringing the highest level of client service while giving our staff the opportunity to grow and thrive in a fun and caring environment.”

That fun and caring environment was on full display at a recent Black History Month Art Experience, a tribute to Black excellence that transformed Plante Moran’s largest offices into an art institute and sparked joy for all who attended. Arranged by the nearly 200-person-strong African American staff resource group, the event provided a venue for Black artists to display their work, and for local Black business owners to network and support each other. 

“It was a whole experience , says team member Clenetta, “from the way the food was displayed to the live music and dancing to the joy of being together. The night was a total success. And it was a surreal moment, being able to celebrate ourselves, our history and our heritage.”

Wild About You Photography

Salesforce , a leader in customer relationship management based in San Francisco, proves that you can see the best in people when the worst happens. 

Following the catastrophic 2023 earthquakes in Turkey and Syria, a group of passionate Salesforce  employees launched a grassroots fundraising campaign that had an initial goal of $100,000. By May 2023, they had raised more than $1 million, which was used to provide supplies, healthy meals and emotional support to those impacted. They also maintained a direct line of communication with philanthropy partners in Turkey and Syria, including Save the Children, CARE and World Central Kitchen.

“The campaign is the perfect example of Salesforce’s unique culture at its best,” says Regional Vice President and Turkish citizen Hayal Koc. “At Salesforce, not only do we believe that social impact is a core part of our DNA, but we are empowered as individual employees to drive action and make an impact. With this campaign, we humanized an environmental disaster, raised awareness about a tragedy in a part of the world that is commonly overlooked and demonstrated that each of us can truly make a difference.”

Team members at Baird , an employee-owned international financial services firm based in Milwaukee, believe that giving back isn’t just the right thing to do — it’s at the core of what it means to call a community home.

Each year, during Baird Gives Back Week, associates and their families come together to donate their time. They set a firmwide record in 2023, with more than 2,500 Baird volunteers from 103 locations participating, more than 7,700 hours of service logged and 223 charitable organizations supported. In one act of respect, Baird associates came together with other organizations on Memorial Day to plant 27,000 flags representing fallen service members from Wisconsin (see above). 

“From the top executives down to the administrative staff,” says one associate, “Baird cares about its employees and community involvement, and they focus their attention on maintaining a positive work environment for everyone.”

SAP America, Inc.

Andreea Cardani/San Jose Sharks

A global leader in enterprise applications and business AI, SAP lets its associates know: Care isn’t simply a verb; it’s a way of being. And that includes care for the environment and being a responsible steward of the planet’s natural resources. 

The Newtown Square, Pa.-based company is working to become carbon neutral, following an “avoid-reduce-compensate" approach. SAP is increasing the number of e-cars in its car fleet, setting a CO2 price tag for business flights and reducing greenhouse gas emissions overall. SAP has also pledged to address plastic pollution through a commitment with customers to strive for a dramatically cleaner ocean by 2030 at the World Economic Forum in Davos. And SAP set a goal of planting 21 million trees by the end of 2025.

“Everyone has the opportunity to make change happen,” wrote Henry Levenberg, a SAP learning management associate, to mark Earth Day. “But it’s up to us to make the change for the better."

SCAN Health Plan

SCAN Health Plan is a mission-driven not-for-profit organization that operates Medicare Advantage health plans that serve nearly 300,000 members in five states, as well as four subsidiary medical groups, to support seniors.

To promote wellness in employees’ everyday lives, SCAN has introduced “Get Moving” competitions to encourage daily exercise, offered Fitbits to help team members track their fitness and activity levels and made available other health and wellness resources, like HeadSpace for mindfulness and meditation and DietID for healthy eating.

“SCAN sticks by their mission to keep seniors healthy and independent, always thinking of new ways to service our diverse group of members,” says one team member. “Employees are treated the same. The organization always thinks about our needs as employees and recognizes our hard work and efforts throughout the year with various rewards and company events and outings.”

Headquartered in San Jose, Cadence is a leader in electronic systems design — and they use that to industry-leading know-how to tackle global challenges.

Recently, Cadence employees teamed up with RefuSHE, a nonprofit based in Kenya, to support refugee girls and women by developing two important projects: a new e-learning and wellness website that is also mobile-friendly, and revamping their flagship education model, the Girl’s Empowerment Program. RefuSHE supports vulnerable women refugees through unique programs that provide equal access to safety, education and economic prosperity. A group of six employees developed a fully functioning e-learning and wellness platform for RefuSHE users with low literacy levels. This platform will help participants learn the foundations of running a small business and vocational skills, and introduce them to the importance of mental health support. In all, the RefuSHE project impacted more than 450 learners, totaling over 2,000 hours of pro bono consulting valued at $420,000.

“This company's work culture is truly exceptional, making it an inspiring place to work,” says a team member. “At the end of each day, you will feel proud of making a meaningful difference.”

Camden Property Trust

New Hope Housing Berry Project

Houston-headquartered Camden Property Trust is a publicly traded, multi-family real estate investment trust that provides homes and exceptional customer service to more than 90,000 people across the country.

Through Camden’s partnership with New Hope Housing, they are transforming lives, helping to provide life-stabilizing, affordable and permanent housing and services for at-risk individuals in the Houston community. This includes people with physical or cognitive challenges, seniors, veterans, the formerly homeless, and individuals and families living on limited incomes. Camden Builders has completed 10 New Hope communities providing 1,541 homes, with more in the pipeline.

“Camden Builders is a true partner,” says Joy Hrovat Brown, Chief Executive Office of New Hope Housing. “They share our core commitment to excellence and deploy a superb team of project managers, supervisors and support personnel. Camden is dedicated, professional, thorough and responsive. I feel relieved when working with Camden because I know that I can trust them to act as an ambassador for New Hope’s interests.”

Bell Bank , headquartered in Fargo, N.D., shows intentional care with its employees, customers and the broader community. Since 2008, the company’s Pay It Forward initiative has empowered more than $26 million in giving, primarily by providing every full-time Bell employee $1,000, and every part-time employee $500, every year to give away as they choose to individuals, families and organizations in need. 

The stories of Pay It Forward’s impact are inspiring, having provided everything from backpacks to shoes to freshwater wells, and impacting people in Bell Bank employees’ own backyards and across the world. In one instance, Bell Bank employees — inspired by second graders hosting a lemonade stand to raise money for a classmate with brain cancer — teamed up to raise more than $30,000 to help the student and his family. 

“People care about one another here, and that makes for an amazing workplace,” says one team member. “The company gives back to the community and shows a high level of interest and compassion for the employees.”

World Wide Technology

WORLD WIDE TECHNOLOGY

Founded in 1990, St. Louis-based World Wide Technology (WWT) is a technology solutions provider leading the AI and Digital Revolution. 

As a good steward of the environment, WWT is striving to reduce waste and water use, two factors they believe tend to get overlooked in the global race to lessen greenhouse-gas emissions. To date, WWT has achieved 51 percent waste diversion from landfills through cardboard, wood, plastic and single-stream recycling, and is on track to meet a 75 percent diversion goal from landfills by 2030. WWT is also on track to achieve water neutrality by 2040. 

“WWT was founded and built on our culture and core values, and it's these core values that differentiate our company from others,” says an employee. “Steadfast leadership driving consistent culture at its core makes this company a great place to work.”

Delta Air Lines

Casey Sykes for Rank Studios/Delta Air Lines

More than 100,000 Delta people deliver a world-class customer experience on more than 4,000 daily flights to more than 275 destinations on six continents, connecting people to places and each other. 

Listening to employee feedback has helped Delta better serve its team. Through survey responses from more than 40,000 people, they learned that financial wellness was top of mind, leading them to launch an emergency savings program rooted in financial education. Team members earn $1,000 after completing a financial education course and individual financial coaching to help employees decrease debt, improve their credit scores and start (and grow) a rainy-day fund. Today, more than a third of Delta people have participated, and those who completed the program indicated a 77 percent increase in feeling in control of their overall financial situation, with a 140 percent increase in feeling in control of their ability to save for goals other than emergencies.

“Delta has an amazing customer/employee centric culture that permeates every aspect of what we do,” says a team member. “The values and expectations are clearly set, and people do the right thing because it's the right thing to do.”

DHL Express

With a global network in more than 220 countries and territories, DHL Express is the most international company in the world and can offer solutions for all logistics needs. 

Of course, you don’t get to be an expert in global transport and logistics without being willing to go the extra mile — and that extends to finding innovative ways to support local kids and veterans abroad. Case in point: For its Operation Cookie/Hometown Heroes campaign, DHL partners with Girls Scouts of Nassau to deliver boxes of cookies to U.S. military personnel and first responders stationed overseas and on Long Island, N.Y. They successfully delivered more than 85,000 in May, the 19th year of the partnership. This initiative brings smiles and a taste of home to those who dedicate themselves to serving their communities and country. 

“It has been inspiring to collaborate with the GSNC over the past 19 years to support Operation Cookie, which acknowledges the sacrifices of those serving our country and community," Pawel Zagaja, Senior Director of JFK Gateway, DHL Express, said earlier this year. “The growth of this program and the increasing number of donated cookie boxes each year is a heartwarming testament to the strong community spirit in Nassau County. We’re proud to leverage DHL’s extensive global air network to deliver a sweet taste of home to our hometown heroes and the brave U.S. servicemen and women stationed abroad."

Deloitte — which provides audit, consulting, tax and advisory services to the majority of Fortune 500 companies — promotes a culture of inclusion, collaboration, high performance and purpose. 

Last September, in collaboration with Citi, Salesforce, the San Francisco Chamber of Commerce and the World Economic Forum, Deloitte helped launch Yes SF, the first location-based UpLink challenge created in direct response to the UN’s Sustainable Development Goal 11: to make cities more inclusive, safe, resilient and sustainable. The Yes SF Urban Sustainability Challenge engages local organizations to bring specialized expertise to help create equal access to opportunity and a more sustainable future. The mission of the Challenge is aligned with Deloitte’s social impact strategy and Deloitte’s ongoing efforts to help drive equity in places with the greatest need.

“The Challenge provides an opportunity to help support the San Francisco community in addressing some of its biggest challenges,” said Kwasi Mitchell, chief purpose and DEI officer at Deloitte. “This type of effort is foundational to our organization’s purpose and commitment to social impact in the communities where we live and work. We hope it will help catalyze systemic change by creating a more sustainable and equitable future for this city.”

Edward Jones

As a national presenting sponsor of the Alzheimer’s Association Walk to End Alzheimer’s, the financial specialists at Edward Jones participate in more than 600 walks held nationwide each year. More than 100,000 participants have walked under the Edward Jones banner, and the company is well on its way to its pledged $50 million goal.

Edward Jones’s continued support enhances the Alzheimer’s Association’s care and support programs, provides educational materials, funds critical Alzheimer’s research and impacts early detection. 

As managing partner Penny Pennington remarked, “This is a cause that’s near and dear to our hearts at Edward Jones. The reason why is that Alzheimer’s and other dementias rob people of their treasure. Their financial treasure, yes, but even more importantly, their treasured memories and the relationships with the people that they love the most. [...] As of yet, there’s not a cure and there’s not a survivor, but with all of our help there will be.”

IHG Hotels & Resorts

IHG Hotels Resorts

IHG Hotels & Resorts  is a global hospitality company with a purpose to provide True Hospitality for Good. With a family of 18 hotel brands and IHG One Rewards, one of the world's largest hotel loyalty programs, IHG has more than 6,000 hotels in more than 100 countries, and more than 1,800 in the development pipeline.

As a global company, IHG considers addressing human trafficking a key component of its larger commitment to responsible business. That’s why IHG proudly partners with leading anti-human trafficking organizations ECPAT-USA and Polaris on education and advocacy efforts. IHG also supports the international nonprofit organization It’s a Penalty, which works to stop trafficking around sporting events, and Atlanta nonprofit organization Wellspring Living in the U.S., which focuses on transforming the lives of those at risk for or victimized by sexual exploitation. 

At a 2023 anti-trafficking forum held in Atlanta, Elie Maalouf, CEO, Americas, IHG Hotels & Resorts, said: “IHG’s purpose in convening this conversation with our partner Polaris, trafficking survivors, elected officials and businesses is twofold: to keep trafficking prevention in the spotlight, but also to shine a new light on barriers that prevent survivors’ livelihoods. Putting a stop to trafficking requires deep collaboration and commitment, from the hotel training we require across more than 4,300 Americas IHG hotels to partnering with our industry, nonprofits and government.”

Adobe Systems Incorporated

As technology continues to reshape how we connect and engage with the world around us, Adobe Systems Incorporated is guided by its mission to change the world through digital experiences. But thinking globally hasn’t stopped Adobe from acting locally, specifically when it comes to improving its beloved San Jose, Calif., home base of nearly 30 years.

Recently, Adobe strengthened its Hometown Commitment, an initiative that aims to create positive change in its communities by bringing the full power of Adobe — including financial support from the Adobe Foundation — to achieve the missions of nonprofit partners. Adobe’s commitment is a holistic approach that encompasses employee engagement, volunteering and advocacy, along with financial and product donations to drive positive social impact — utilizing creativity, uplifting creators and supporting the infrastructure of downtown to build a thriving community for employees and partners. To that end, the Adobe Foundation has invested millions to support the San Jose Downtown Association, HomeFirst, The Kelsey, Second Harvest of Silicon Valley, The Tech Interactive, Cinequest, Local Color SJ and the San José Museum of Art.

“Working at Adobe is more than just a job; it's an experience filled with purpose,” says a team member. “The culture here fosters creativity and collaboration, making it truly enjoyable to be a part of the team.”

Intuit Inc.

Intuit , a global technology platform with more than 100 million customers worldwide, states its corporate values plainly:  “Integrity Without Compromise,” “Courage,” “Customer Obsession,” “Stronger Together” and “We Care and Give Back.”

Living that commitment to care and give back, Intuit recently celebrated “Small Business Big Impact Day.” The event took place in 17 locations in several countries, with thousands of Intuit employees participating, injecting life into small businesses and communities, from the Bay Area to Bangalore to Sydney and beyond. In total, they poured more than $1 million into their small business customers, purchasing items to donate to dozens of local nonprofits. Teams also logged more than 10,000 volunteer hours sorting, packaging, creating, writing and delivering much-needed items and notes to individuals and communities in need.

“The values that we speak are truly at the center of our decisions,” says an employee. “ It is empowering to work for a company that backs their values.”

David Weekley Homes

Houston-based David Weekley is one of the largest privately held homebuilders in America, and they’re passionate about their “Building Dreams, Enhancing Lives” purpose. 

In 2023, 14 of the company's 19 local divisions, as well as the corporate office, completed Build Month projects to construct 1,015 beds. This included partnerships with 13 local chapters of Sleep in Heavenly Peace. Other projects included assembling bikes and skateboards for children in foster care, building dressers for families rebuilding their lives after suffering personal tragedy, painting a shed and building window flower boxes for children in foster care and performing onsite maintenance repairs at a camp for children and adults with disabilities. In all, David Weekley’s CARE Program has donated more than $275 million to charitable causes over the past 20 years.

“Our CARE program is one of my favorite aspects of working for David Weekley Homes,” said Pam Hirsh, a land purchasing analyst at David Weekley Homes in Denver, last July.  “Our annual Build Month projects really connect me to our community here and open my eyes to the different opportunities we have to help those around us.”

Chicago-based RSM US LLP , the leading provider of professional services to the middle market, believes in investing in their people and the communities in which they operate.

Each year, RSM embarks on its Season of Service, which honors Dr. Martin Luther King Jr.’s legacy of service by encouraging everyone across the firm to serve others and give back by sharing their time, talent and treasures throughout the winter holiday season. During last year’s Season of Service, local offices across the firm hosted events in their communities, including the highly anticipated #HashtagLunchbag event to pack lunches for those in need. Through this program, volunteers safely packed and delivered 11,012 meals to the homeless. RSM volunteers also donated to the Racial Understanding Campaign, a foundation program that matches up to $200,000 in donations to be split among 10 charities focused on providing youth with equitable access to resources and opportunities. In total, 448 volunteers provided 1,017 service hours and generated $73,130 in donations.

PricewaterhouseCoopers LLP

Professional services giant PricewaterhouseCoopers is committed to employee development and the upskilling of its people to grow and expand their career opportunities.

Over the next five years, PwC will build upon this commitment through one of our biggest and boldest leadership investments yet. PwC's recent announcement of a $1 billion investment in AI over the next three years is a significant step toward the firm's goal of delivering human-led and tech-powered solutions to clients. As part of My+, PwC US will invest in upskilling its 65,000 people on AI tools and capabilities to work faster and smarter, help grow their careers and advise clients on the benefits of AI, as well as other transformative technology.

Says one PwC team member: “I feel like the company values me and shows that. My relationship leader tries to set me up for success. I have autonomy to do my job.”

Orrick is a forward-looking global law firm focused on advising the world’s most disruptive companies in three sectors: technology and innovation, energy and infrastructure and finance. The firm is known for innovating in the way it serves its clients and thinking differently about inspiring, sustainable careers.

To emphasize inclusion, Orrick introduced the The Orrick Inclusion Conversation Series. As part of the series, the firm hosts four or five conversations each year with leading thinkers on justice and equity. Orrick’s affinity groups nominate speakers and lead the conversations, which typically draw around 1,000 team members and clients. The company has also launched a Senior Leader Ally Sponsorship Program, which pairs Black and Latinx lawyers with a Board or Management Committee member to serve as their sponsor, ensuring that diverse lawyers have access to the most influential people at the firm.

“Orrick strives to give us the best of the best,” says a team member. “We are given the type of work-life balance that allows us freedom and confidence, therefore we all work harder. I am proud to be an employee of Orrick and cannot imagine working anywhere else.”

CrowdStrike

Austin-based CrowdStrike has redefined modern security with the world’s most advanced cloud-native platform for protecting critical areas of enterprise risk – endpoints and cloud workloads, identity and data.

In keeping with theme of security, CrowdStrike has taken strong measures to ensure that all of its people feel safe and respected. In response to rapidly changing legislation in the U.S., CrowdStrike realized many employees and their loved ones felt unease over health and security concerns. CrowdStrike’s chief human resources officer and president hosted a company-wide town hall to support LGBTQ+ employees and their family members. The town hall included an overview of the resources available to employees as well as a listening session, where employees shared their experiences. CrowdStrike’s diversity, equity and inclusion team also created an LGBTQ+ benefits guide and gender transition guidelines and launched a best practice to display pronouns in company tools like Zoom, Slack and Workday.

Said one team member: “I found it very impactful that with the state of emergency declared for LGBTQ people's safety, people higher up in the company held a forum to discuss the concerns and pledge allyship and support to LGBTQ employees. Said another: “There have been benefits added in light of recent events in the United States. It gave me more confidence in upper management and made me feel supported.”

Target Corporation

Ackerman + Gruber

Retail giant Target , headquartered in Minneapolis, has a vision to co-create an equitable and regenerative future with the help of its guests, partners and communities. 

Making strides in sustainable operations, Target retrofitted its first net-zero energy store in 2022. It’s a powerful example of the company’s Target Forward strategy of sustainability, and a massive step toward Target’s commitment to achieve net zero greenhouse gas emissions by 2040. The Vista, Calif., location is its most sustainable yet. On its own, the store will generate more renewable energy than needed each year to power its operations. It also serves as a testing site for sustainability-minded innovations, providing learnings that will help inform future store designs.

“As a company and a member of the global community, it’s imperative for the health of both our business and our planet that we embrace new ways to move forward,” says Brian Cornell, chairman and CEO of the Target Corporation. “We know sustainability is tied to business resiliency and growth, and that our size and scale can drive change that is good for all. Target Forward deepens our collaboration with our partners and builds on our past efforts to ensure a better future for generations to come.”

Global technology leader HP Inc. shows care and consideration for its 12,000+ team members and the communities in which they live and work.

Last year, HP launched the “Better Me in ’23” campaign, with new tools, support and motivation to help employees determine their greatest areas of opportunity and create a personalized well-being plan to achieve their goals. HP has continued to partner with Included Health to support employees in navigating the complex world of healthcare. U.S. employees have the opportunity to receive one-on-one lifestyle coaching at no cost from certified professionals. HP also creates a culture of caring in their employees by providing benefits like four hours of paid volunteer time a month, which helps to foster an ongoing level of support for organizations in need. They also participate in “40 Days of Doing Good,” where teams around the world volunteer to support digital inequality, which resulted in 46,000 total volunteer hours in 2023.

“HP Inc. trusts and empowers employees to be their best selves,” says a team member. “We are offered great work-life balance, and the management is very supportive of growth within the company. I don't see myself leaving this company because of its values and support throughout the past years.”

Ronald McDonald House

West Des Moines, Iowa-based  ITA Group , which specializes in professional services and solutions, creates diverse and inclusive initiatives that promote team member achievement and success. 

ITA’s I.D.E.A. Council (Inclusion, Diversity, Equity, Allyship) works together throughout the year to bring educational resources to all team members through initiatives such as “It’s OK to Ask” Lunch and Learns, Conversations in Color, informative internal blog posts, trainings and activities that promote diversity, equity and inclusion. Examples include company-wide DEI statements; current legislation impacting minorities and holiday education; Pride Month celebrations; gender-neutral dress codes; pronouns as part of hiring application process and employee email signatures; required leadership training with an external consultant on micro and macro aggressions; required team member DEI training as part of annual bonus plan; and support of our LGBTQ+YOU Committee,

The newest internal committee, the Remote Advisory Council, is made up of remote team members only. This group meets monthly to discuss topics important to remote workers and focuses on caring for their needs and ensuring they feel as ingrained in company culture as those who work in the office. “Leadership is 100 percent committed to implementing programs that lead to the personal fulfillment of its team members. It's an ever-evolving company,” says an employee.

Jamf — an information technology company that extends the legendary Apple experience people enjoy in their personal lives to the workplace — puts people at the core of everything they do.

To address the humanitarian crisis in Ukraine, many Jamf team members in Poland opened their doors to Ukrainian families, volunteered at the border helping with supplies and support resources, and organized volunteer events to raise money. Jamf also reimbursed employees for expenses incurred while assisting refugees or aiding in the crisis including gas, food and lodging. Jamf employees were allowed to take any amount of VTO time related to supporting Ukraine, as well as taking the needed time to work on their mental health. Jamf Nation Global Foundation also donated an additional $30,000 for Polish Humanitarian Aid and People in Need.

“I truly believe Jamf cares about its employees and customers,” says an employee. “There are many opportunities to grow professionally here and find the best job for yourself. I have been given many opportunities to grow professionally and personally and I know that management cares a great deal about me.”

Louisville, Ky.-headquartered healthcare company Humana is committed to honoring the extraordinary commitments that active-duty military, veterans and their families have made for America. 

To this end, Humana provides employment and development opportunities to veterans and their spouses by honing in on uniquely qualified military talent. The company launched the Veterans Hiring Initiative in 2011 and has added more than 6,000 vets and military spouses to their ranks since. Humana has dedicated human resources team members focused exclusively on veterans and military spouses and helping Humana leaders better understand how this outstanding group of talent makes Humana an even better organization.

“I wanted to feel a sense of belonging and purpose in my career,” says one team member. “My husband is in the military, which caused us to move across the country, where we didn’t know anyone. I feel fortunate to work for a company that allows me to have a career, even as a military spouse. It has been such a stress relief knowing my position would be able to move with me.”

The Cheesecake Factory Incorporated

The Cheesecake Factory

The upscale casual restaurant chain based in Calabasas Hills, Calif., is one of the busiest in the country — but they remain committed to their purpose: to nurture bodies, minds, hearts and spirits by giving back to the communities they serve.

To tackle food insecurity, The Cheesecake Factory ’s Nourish Program takes excess food from restaurants to local nonprofits, which are, on average, seven miles from restaurants. In the past year-and-a-half, the company has donated more than 900,000 pounds of food in support of more than 700 nonprofits and food banks. The Nourish Program also benefits the environment. In 2022, the donations helped to avoid approximately 2.5 million pounds of greenhouse gas emissions.

“The donation we received yesterday was tasty lasagna!” said a nonprofit partner in Irvine, Calif. “We used it to feed lunch to all 15 kids at our shelter today. We have small budget for groceries that we usually dip into twice a month, so donations help alleviate the worry of purchasing food. We truly appreciate it and are grateful for our partnership.”

PulteGroup, Inc.

Pulte Group

Atlanta-based PulteGroup is one of the nation's largest and most respected homebuilding companies, with operations in more than 40 markets throughout the country.

PulteGroup’s Built to Honor program has given more than 78 military families a new, mortgage-free home. Working in partnership with compassionate and generous suppliers and contractors, the program has gifted more than $35 million in value since 2013, in order to make one critical part of re-entry to civilian life easier for these men, women and their families. One such family — Matt and Helen Perry — received their new home on March 14, 2023, after three sequential head injuries during Matt's Marine combat mission in 2008 caused post-traumatic epilepsy secondary to closed brain injury, a chronic condition requiring lifetime monitoring and treatment. 

“Matt’s condition will only get worse,” says Helen, herself a former Army captain. “With this house, we don’t have to worry if he’ll be able to climb the stairs, because we have a wheelchair-accessible bedroom on the ground floor. We don’t have to worry if he’ll need special accommodations in the kitchen because we’ve been able to build all that in. I can’t tell you how much it means to us to not have to worry about the future anymore.”

As a leading content cloud platform, Box powers how the world works together — and the company puts that same purpose into making sure it’s working hard for its employees. 

Recently, Box has begun implementing Fresh Air Days, which are days off for mental health and well-being, and they also provide health and wellness stipends. Additionally, Box provides three days per year of PTO for Boxers to use volunteering.  

“Box is more than just a great place to work,” says one team member. “It's a community. Yes, we get meaningful work done and have exceptional clients. However, work has a different feeling when you are making a palpable impact with people you enjoy being around!"

Walmart Inc.

Walmart , the people-led, tech-powered omnichannel retailer, goes beyond employee training: They emphasize belonging and the role it plays in traditional diversity, equity and inclusion measures. 

In April 2023, Walmart appointed its first-ever Chief Belonging Officer (as an evolution of the Chief Diversity Officer role). The reason for this change was simple. In Walmart’s words: “Inclusion is an input. It’s about us — our efforts, our policies and programs. Belonging is an output. It’s about our people — their experiences, their day-to-day treatment, the way they feel at work.”  Walmart reports representation data twice a year through Culture, Diversity, Equity and Inclusion (CDEI) reports that disclose metrics around demographics and progress in the inclusion space. This transparency helps them better understand which areas require their focus.

The company’s latest annual report shows Asian and Hispanic representation is up year to date across the board and the makeup of new-hire population is becoming increasingly diverse. This year, Walmart also scored 100 percent on the HRC corporate equality index, the sixth consecutive year to hit that benchmark.

Highlight Technologies, Inc.

Highlight Technology

Highlight Technologies, Inc. is an awarding-winning, employee-owned federal government contractor dedicated to providing digital government and mission support services to more than 20 federal agencies. 

Through HighlightCares, its corporate community service program, Highlight supports more than 16 national organizations and local communities, like the American Cancer Society and multiple local chapters of United Way, specifically their efforts to improve childhood literacy. (The Highlight team recently gave 179 books in addition to a $6,000 corporate donation.) HighlightCares also gave strong support to The Mission Continues and One Tree Planted, and hosted an Honor Run, where employees were challenged to compete for the fastest 5K time and for the most miles run or walked. In all, Highlight donated more than $12,000 and 50 hours to its causes, before closing out the year with support of HOPE Worldwide and their global food security initiative, raising more than $5,500 (or an estimated 55,000 meals) to those in need. 

“Highlight truly cares about its employees in a way that I believe is rare to find,” says one team member. "The intention to do good on behalf of or for the employees is behind every decision.”

Crowe LLP is a public accounting, consulting and technology firm with offices around the world. Crowe uses its deep industry expertise to provide audit services to public and private entities. 

Based on feedback from Crowe’s pulse surveys and focus groups, the company found that Black women are the most disconnected population in the firm and among the highest risk to leave. In response, Crowe launched its Lift as We Climb forums, bringing together early-career Black female professionals with Black female partners to establish deep connections while fostering community and support. Crowe’s chief diversity, equity and inclusion officer has hosted LAWC forums across many offices, including Atlanta, Chicago, Houston and Washington D.C., with plans to expand.

For Ariana Evans, who started her career at Crowe at the height of the pandemic in 2020, the forum provided a sense of community and belonging. “Being able to meet peers who look like me and have a safe space to talk about issues that other people might not understand was really important to me,” says the senior staff member in Consulting. “I left the forum feeling super motivated and energized.”

Microsoft Teams

Accenture is a leading global professional services company of 738,000 people in 120 countries. The company helps businesses, governments and organizations build their digital core, optimize operations, accelerate revenue growth and enhance citizen services. 

Last February, Accenture introduced a way for its people to become Allies in Action. The global experience is designed to bring together all existing and new allies — to learn what it means to be an ally, practice inclusive behaviors and be role models for others. Allies in Action includes a variety of learning programs, events, community building activities and more. The experience introduces and amplifies Accenture’s five essential ally behaviors: activate awareness, practice presence, say something, have humility and inspire inclusion. All team members have the opportunity to become an ally in one or more of Accenture’s communities supporting racial and ethnic equality, LBGTIQ+, gender equality, mental health and well-being, neurodiversity, cross-cultural diversity, disability inclusion and cultural heritage.

Says one team member of the program: “The ability to be a Mental Health Ally and create a safe space for colleagues to talk and get support as needed [makes Accenture a great place to work].” Echoes another: “All people deserve love and compassion.”

Hilcorp Energy Company

Founded in 1989, Hilcorp Energy Company is the largest privately owned oil and natural gas producer in the United States. The Houston-based company says it's "built on the people and energy we produce, and strives for alignment with our fundamental core values.”

Hilcorp is creating “lifetime givers” in its employees, providing them with generous amounts of money to donate to organizations that touch them personally. The company also provides educational and informational resources to teach team members where their contributions can go furthest. As a result of the Growing Great Givers initiative, launched in partnership with the Greater Houston Community Foundation (GHCF) and the Alaska Community Foundation (ACF),  Hilcorp employees donated nearly $35 million to charities across the nation in 2022 alone, more than triple what their employees donate in a typical year. And 96 percent of Hilcorp employees continue to actively participate in the Hilcorp Giving Program

“The culture at Hilcorp is truly incomparable,” says a team member. “Our leadership puts the well-being of the employees at the forefront and truly cares.”

The Progressive Corporation

The Progressive Corporation provides insurance for personal and commercial autos and trucks, motorcycles, boats, recreational vehicles and homes.

Central to Progressive’s mission as a company is the implementation of programs that allow employees to better take care of themselves — and each other. Through a partnership with WinFertility, Progressive supports its people on their family-building journey with free 24/7 access to nurse care managers to help employees understand their benefits, explore treatment options, manage medication usage and ease emotional strain. Progressive also offers virtual care through its health clinic, and its fitness center teams offer hybrid fitness classes, allowing flexibility for employees to fit in a workout whether they’re in-office or working from home. Also offered: numerous events focused on mental health education, including webinars such as How to Define Yourself, Managing Social Anxiety, Understanding Eating Disorders, How to Slow Down and Accomplish More and The Pressure to Be Perfect.

“[Company leadership] goes above and beyond in providing a great work environment, even if you work from home,” says one team member. “Progressive is fair and really rewards those who work hard and do well. I've never felt more valued as an employee.”

Insmed , headquartered in Bridgewater, N.J., is a people-first global biopharmaceutical company striving to deliver first- and best-in-class therapies to transform the lives of patients facing serious diseases. 

The company is also taking definitive steps to become the best eco-friendly corporate citizen it can be. In May 2023, Insmed launched an employees-only company store for consumer goods and will be planting a tree for every item purchased. They have also partnered with the Arbor Day Foundation to plant more than 1,700 Aspen trees toward reforestation in the Pacific Northwest in honor of completing enrollment in the Phase 3 ASPEN clinical trial. Recently, Insmed also launched a pilot program to incorporate the use of electric vehicles into its fleet for field employees. The company also offers electric vehicle charging stations at its headquarters.

“Great culture!” says one team member of what makes Insmed such a special place to work. “And not as a tagline, but in a meaningful, intentional way. Insmed truly does foster an inclusive, diverse workforce in which everyone can have a voice.”

Service Now

The Santa Clara, Calif.-based ServiceNow provides a cloud platform and solutions that help digitize and unify organizations so that they can find smarter, faster, better ways to make work flow. 

For their employees, ServiceNow is making strides in the environmental, social and governance (ESG) spaces. The company has provided a carbon-neutral cloud platform for its customers and developed an approach to reach net zero by 2030. On the diversity, equity and inclusion (DEI) front, ServiceNow has improved their spend with diverse suppliers, achieving 19 percent (versus the industry average of 3 to 5 percent). Internally, their DEI work includes pay equity reviews and ensuring inclusive promotional practices. 

“The company strives to make it more than a job, encouraging belonging and involvement in the community,” says a team member. “We have a cycling team that rides for a global charity. Our executives are supportive by donating their time, including donating ‘executive experiences’ — golf or dinner with an executive — that we auction off to raise funds.”

Based in Dallas, Credera is a global, boutique consulting firm that creates measurable results at the intersection of strategy, data, transformation and technology. 

To build awareness and engagement, CredClimate began hosting Green Week — a week of team challenges, guest speaker events, book club discussions and other activities celebrating sustainability efforts and educating Credera team members on how to take action. CredClimate will host more educational events throughout the year, recognizing that the work of making a business more environmentally responsible is never truly done. Credera also holds a company-wide Service Day to give employees the opportunity to impact their communities. Recently, approximately 700 Credera team members paused client delivery and internal operations work to participate in 57 events across nine cities. Employees served a total of 3,000 hours with 27 nonprofit partners, impacting more than 72,000 lives.

“This company focuses on core values more than any company I have been a part of,” says a Credera team member. “They truly live up to the work-life balance expectations and care greatly for their employees.”

Credit Acceptance

Southfield, Mich.-based Credit Acceptance offers automobile dealers finance programs to help them sell vehicles to consumers, regardless of credit standing. That commitment to assisting people in getting a leg up can be life-changing — but life-changing work is just what Credit Acceptance does.

Case in point: Last year, Credit Acceptance granted a special wish to 4-year-old Lucy, who is battling leukemia, on behalf of its Sales Team of the Year. Before Lucy went to join the princesses at Disney World, the team threw her a sendoff celebration at a local park. The group celebrated Lucy’s wish come true with special “Lucy Got Her Wish” T-shirts and gifted Lucy’s family Mickey Mouse ears. 

Says Chris W., Sales Director of the Year: “This experience has been one of the highlights of my career at Credit Acceptance. We all know that we change dealers’ and credit-challenged individuals’ lives daily, but when you see the impact something like this has on an entire family and their closest friends firsthand, you realize we do much more than help dealers and customers. We really do change lives, including our own.”

Collaborative Solutions, a Cognizant Company

Collaborative Solutions, a Cognizant Company , is a leading global Finance and HR Transformation consultancy that leverages world-class cloud solutions to help deliver successful outcomes for clients. 

To successfully deliver a workplace at which team members can grow and thrive, the company has implemented “Collabie Convos,” video chats with small groups of employees and leaders, allowing for open dialogue to identify areas of improvement and celebrate wins within the organization. The convos are great opportunities not only for employees to share their voice and provide their input, but also to get to know the leadership team. The company also recognizes jobs well done through quarterly Collabie Champions, spotlighting team members who exemplify the core values of People, Collaboration, Knowledge, Balance and Integrity. Similarly, the Collabie Awards recognize hard work and dedication through peer nominations, in categories like Culture Champion, Outstanding Citizen and Mentor of the Year.

“An inclusive and collaborative culture” is how one team member sums up the company’s unique appeal. “Work-life balance is at forefront, and employees are extremely willing to lend a helping hand and support other growth and learning.”

Texas Health Resources, Inc.

Texas Health Resources 

Texas Health Resources, Inc has 28,000+ employees and is one of the largest faith-based nonprofit health systems in the U.S. and the largest in North Texas in number of patients served: more than 2 million annually across a service area of 8 million.

Texas Health’s culture of caring is demonstrated by its outstanding staff, like those at Texas Health Kaufman, who went above and beyond to help a patient with challenging home conditions. One of Texas Health’s paramedics would travel to the homes of patients who had been discharged to make sure they had everything they needed to recover and, hopefully, avoid being readmitted. When the paramedic saw that a particular patient lived in conditions unfavorable for improvement, he brought the situation to the attention of hospital leadership, who were moved to step in. 

“We got together on a Saturday and went to the patient’s home,” says Renea Kelley, a Texas Health radiologist. “We spent the entire day cleaning, visiting, going to buy food, getting medication and making sure the home and surroundings were a safe place for the patient to recover. We left with such a sense of pride in our hospital and each other. We worked hard —  but it didn’t seem like work at all.”

Jackson Healthcare

Alpharetta, Ga.-based Jackson Healthcare is one of the largest healthcare staffing companies in the U.S., which means they know a thing or two about support. 

That support extends to more than 430 nonprofits and organizations around the world. Jackson Healthcare provides medical care and training in underserved areas, and has performed more than 65,000 life-saving surgeries. They connect orphans in 31 countries with clinicians and provide educational programs and enrichment opportunities for children across the globe. Associates are enveloped in a culture of care and support each other when needed. Their LoveLifts Associate Relief Fund provides support to associates facing hardships. Working closely with partners, last year Jackson Healthcare served more than 39,000 orphans and foster children worldwide, and nearly 7.5 million students through educational programs and enrichment opportunities. 

“I like the values and how they are seen throughout the organization,” says one Jackson Healthcare team member. “In the associates, our vision and mission, and the giving of the company.”

Nations Lending Corporation

Nations Lending

Nations Lending Corporation is a fast-growing independent mortgage bank located in the Cleveland area that goes above and beyond to care for its employees. 

Nations Lending executives show love and support to employees by sending flowers during times of bereavement, food and other spirit-lifting gifts during times of prolonged illness or surgery, and birthday cards and other well wishes on special occasions. Additionally, Nations Lending promotes health and wellness among employees through annual Wellness Fairs and monthly Color Walks. And an in-house charitable committee called NLC Cares donates its time and efforts to nonprofits each month, whether cooking dinners for the families of patients in local hospitals or packing boxes at a local food bank. 

Says one team member: “The amount of effort the entire company puts forth in ensuring team member success — whether you are a loan officer, loan processor, underwriter or part of the management team — is top-notch and like nothing I have ever experienced at any other job.”

A “Big 4” professional services firm that provides audit, tax, advisory and industry services, KPMG promotes a diverse, inclusive and supportive culture that empowers its people and helps them to grow their career and thrive. 

In an effort to eliminate stigmas, KPMG recognized Mental Health Awareness Month by hosting a Courtside Chat with NBA player Kevin Love — a national advocate for mental health — on opening conversations. Employees were reminded that, similar to athletes, KPMG professionals need to care for themselves, especially after a busy season or major project. Following the session, everyone at the firm was encouraged to take the afternoon off as a mental health break. The chat and firm-wide break were part of a month-long program of activities focused on continuing to break the stigma surrounding mental health — including a series of webcasts, guided meditations and even a documentary screening — that provided tools, information and resources to help people prioritize their well-being and support the well-being of colleagues, friends and family.

“We’re corporate athletes, and we need to not only be physically ready to do our job, but we need to be mentally ready to do our job,” Sandy Torchia, KPMG’s vice chair of talent and culture, told Fortune in March. “If we make these investments in our people, we are going to have higher-performing teams.”

Venterra Realty

DAVID BARRON/Barron & Barron Photography

Founded in 2001, Houston-based Venterra Realty develops, owns and manages apartment communities in 19 US cities that provide housing to more than 44,000 people and 15,000 pets. 

Venterra’s WOW Program stands out as a pillar of its caring culture. Through the program, the company empowers its leaders to seek out and act on opportunities to “wow” members of their teams by creating personalized and memorable experiences. And Venterra allocates an annual team member WOW budget of more than $100,000 for leaders to use as they see fit. Some recent memorable WOW moments include unveiling a crib for a maintenance manager during a speech at his baby shower; gearing up a maintenance technician to take on his first ski trip; surprising a leasing consultant with a new grill and grilling tools in time for a relaxing Memorial Day weekend; secretly delivering wish list items to an assistant manager moving into her first roommate-free apartment; and rewarding an outdoorsy team member’s hard work with a new kayak.

“This company not only cares about its residents, they care about us, the employees, in ways I have never in my life seen before,” says one team member. “We here have a voice. We are treated as a part of the whole. It’s wonderful.”

EY , the professional services giant headquartered in New York City, exists to build a better working world — helping create long-term value for clients, people and society and build trust in the capital markets. But they’re also committed to creating more opportunities for underserved communities.

In 2023, EY’s Social Justice Fund provided a grant for the Nomi Network, where funding will support the organization’s first domestic site for the Youth Workforce Development Program. This program creates opportunities for economic empowerment for girls from historically under-resourced communities so they can break free from cycles of poverty and abuse. EY also provided a grant for Youthcast Media Group, where funding will provide program support over two years for 12 multimedia journalism boot camps and workshops — impacting up to 144 high school students, of whom more than 95 percent will be BIPOC. All will be recruited from schools where more than 60 percent are eligible for free or reduced-price lunch.

“Our work over the last year toward achieving our DEI ambitions reveals both progress and opportunities in creating an inclusive culture with people at the center,” EY leadership recently stated in a 2024 DEI report. “ We will continue to proactively drive positive change by valuing differences, cultivating a culture of care and empowering all our people through tremendous opportunities that enable us all to succeed."

AbbVie , a biotechnology and pharmaceuticals company headquartered in North Chicago, works nonstop to solve some of the world's most serious health issues — but never at the expense of care and compassion for individuals. 

In January 2023, AbbVie and St. Jude Children’s Research Hospital opened Family Commons, the first-ever treatment-free and clinical-staff-free floor at St. Jude, offering patients and families a home-like space to find comfort and respite in between clinic appointments. The design and construction of Family Commons, a 45,000-square-foot space, was funded by a historic $50 million donation from AbbVie. AbbVie’s donation has also supported non-clinical services, such as music therapy and school programming, that will continue in Family Commons

“AbbVie has been an incredible partner in that they've been with us every step of the way, making sure that all the details are appropriate and that they're going to meet the needs of our patients and their families,” said Richard C. Shadyac Jr., the President and CEO of ALSAC, the fundraising and awareness organization for St. Jude.

Mastercard , headquartered in Purchase, N.Y., is a global technology company in the payments industry whose mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible.

Always looking for ways to improve employee experience, Mastercard has made great strides in a number of arenas. Recently, they increased the global median pay for female employees to 94 percent of the median pay for male employees, up 0.8 percent from 2021. (Females continue to earn $1 for every $1 males earn, with the median pay gap predominantly due to more men in senior roles.) The company also grew the number of U.S. Black leaders at vice president level and above from 62 to 72 — a year over year increase of 16 percent — in 2022. (Since 2020, the percentage of Black representation in leadership at the vice president level and above in the U.S. has grown by 7 percent.) And since Mastercard launched their In Solidarity commitment in 2020, they’ve invested $423 million in Black communities by expanding city programs, providing affordable financial tools and services, providing capital and resources for Black-owned businesses and increasing Mastercard’s spend with Black-owned suppliers.

“Mastercard truly walks the walk,” says a team member. “Doing well by doing good.”

Panda Restaurant Group Inc.

Panda Express

Panda Restaurant Group , headquartered in Rosemead, Calif., is a family-owned and family-inspired restaurant company with more than 52,000 associates and more than 2,500 restaurants worldwide. One of the group’s goals: to become a world leader in people development, by investing in employees and caring for community members. 

As the philanthropic arm of Panda Restaurant Group, Panda Cares provides food, funding and volunteer services to support underserved youth. Focusing on health, education and disaster relief efforts, Panda Cares fosters the core value of giving by empowering associates to fundraise in stores every day. In 2022, Panda donated $21 million, supported 131 children’s hospitals, helped 7.5 million patients and opened 11 new Panda Cares Centers of Hope for patients and students nationwide. They also donated 62,234 meals, hosted 461 Panda Cares events and donated 1,400 meals to first responders and their families. 

“Something unique about this company that makes it a great place to work is the kind of relationship associates and management have with each other,” says a Panda team member. “A sense of having a second family — and ensuring a positive and safe environment for everyone.”

Wellstar Health System

Marietta, Ga.-based   Wellstar Health System has a mission: to enhance the health and well-being of every person they serve. True to that mission, Wellstar is nationally ranked for its high-quality care, inclusive culture and exceptional physicians and caregivers.

And Wellstar knows that sometimes employees need a bit of help when unexpected costs arise, which is why they’ve adopted a unique benefit for their team members. The Wellstar Purchasing Power benefit helps employees immediately buy much-needed large ticket items such as appliances, electronics, furniture and more, and spread the cost over a year. There are no required credit checks, added interest or fees to use Purchasing Power. All costs are publicized up front in an easy 12-month fixed payment plan through payroll deduction. It’s a popular benefit that makes a positive financial difference for many team members. In 2022, Wellstar team members completed 3,653 Purchasing Power transactions.

“I have been employed with Wellstar for 16 years, the longest I’ve ever stayed with an organization,” says a team member. “I attribute this to the culture, my leadership team and colleagues. Wellstar is truly a great place to work!”

Elevance Health, Inc.

Indianapolis-based Elevance Health is a trusted health partner whose purpose is to improve the well-being of humanity, and that includes focusing on the overall health of its people. 

Elevance’s Life Essential Kits provide eligible associates the choice to select from healthy food, transportation or childcare funds to help cover the cost of these essentials. The Nutrition Kit includes a spending card up to $3,000 per family and access to a dietitian. The Child Care Kit funds up to $3,000 per year to help cover childcare expenses for children under 13 or other dependents who require support while the associate is working. And the Transportation Kit includes a spending card for up to $3,000 per family to access public transportation and rideshare programs, as well as coverage for fuel, repairs and maintenance costs. In just one year, associates who used the cards experienced a 10.2 percent decrease in overall medical costs; 13.8 percent decrease in ER visits; and a 12 percent decrease in preventable hospitalizations.

“I love the people that work on my team,” say an Elevance employee of the company culture. “We all have the same goal, and it is so nice to show up to work every day. I feel very lucky and proud to work here.”

Montoya Photography

CarMax , the Richmond, Va.-based used auto retailer, has ongoing and long-term partnerships with several national nonprofits, including The Mission Continues, Hiring Our Heroes and the American Red Cross.

One partnership that’s particularly near and dear to team members’ hearts is the collaboration with KABOOM!, an organization that helps build playgrounds for children. More than 80 CarMax volunteers built a playground in Uvalde, Texas, in response to the critical needs of the community (despite having no business presence in the area). And last October, CarMax completed its 100th build in conjunction with KABOOM!, a milestone that allowed them to reflect on more than $10 million invested in playspace equity and the more than 150,000 children annually who have been granted access to safe, fun equipment. 

Of the playground built in Uvalde, Javy Gallardo, senior sales consultant at CarMax’s San Antonio store, says: "My mom drives by daily and sees children playing on the new equipment and having a great time. It has really made a significant impact to this previously underserved community.”

Harbor Freight Tools

Harbor Freight

Harbor Freight Tools is a 45-year-old national tool retailer with the energy, enthusiasm and growth potential of a start-up. And the Calabasas, Calif.-headquartered business brings that same energy to improving its communities and the lives of its neighbors.

Harbor Freight Tools for Schools is a program of The Smidt Foundation, established by Harbor Freight Tools Founder Eric Smidt, to advance excellent skilled trades education in public high schools across America. With a deep respect for the dignity of these fields and for the intelligence and creativity of people who work with their hands, Harbor Freight Tools for Schools aims to drive a greater understanding of and investment in skilled trades education, believing that access to quality education gives high school students pathways to graduation, opportunity, good jobs and a workforce the country needs.

“The company itself is a unique place to work,” says a team member. “It is innovative, exciting, fun and dynamic at its core. One of the things that stands out is its diversity and the willingness to listen to people at all levels when there is an opportunity for recommendations.”

First American Equipment Finance

First American

Headquartered in Victor, N.Y., First American Equipment Finance provides equipment leasing and project financing to the most creditworthy and sophisticated commercial borrowers in the county, including nonprofit organizations. 

First American has taken an active role in increasing opportunities and equity for women in the workforce. One of First American’s most significant accomplishments toward its DEI goals is the recent launch of the Women in Business (WIB) employee resource group. The group currently has 114 members (representing 39 percent of First American employees). Its mission is to promote a diverse, inclusive and equitable workplace where colleagues grow as leaders, build productive relationships and enjoy robust, fulfilling careers — pursuing their greatest potential by cultivating an empowered, confident and resilient mindset. The group meets quarterly for a networking breakfast and regularly hosts events like the recent “Women in Business Tell All” panel, International Women’s Day breakfast and self-defense training.

“First American gives its employees opportunities to pursue passions they feel strongly about,” says a team member. “For example, they allow employees to form committees or run events or projects that benefit the local community, and give employees set hours to volunteer their time in the community on an annual basis.”

Zillow Group

Zillow Group believes that home should be more than just a dream, which is why the Seattle-headquartered real estate specialists are committed to helping people get the home they want by connecting them with digital solutions, great partners and easier buying, selling, financing and renting experiences.

Zillow knows there’s no one-size-fits-all approach to home buying — or office work. The company’s CloudHQ model of work,  which has given the majority of its people the option to work where they are happiest, has been a gamechanger. Not only has it done away with forcing potential employees to weigh relocation and cost-of-living considerations, it allows Zillow to recruit the best and brightest talent, regardless of where they live. Employees now have the flexibility to work from where they are most productive, and make choices that work best for their families and personal responsibilities. To level the playing field even further, Zillow pays its people based on their experience, not where they happen to live. By the end of 2022, Zillow employees were working from 49 states and 73 percent were categorized as working remote.

“The culture here is unmatched,” says a Zillow employee. “I work with some of the best set of peers I've ever met for many different reasons, with a general understanding that we are all better together.”

Pinnacle Financial Partners

Pinnacle Financial Partners offers banking, insurance, trust and investment, specialty lending and mortgage services to businesses and consumers interested in a deep relationship with their financial provider. 

Recently, Pinnacle helped finance and shepherd through the development process The Skyliner, a new apartment building in Nashville that opened in 2023 to serve a mixed-income community close to downtown. It sits on a major transit route, offers many amenities popular in Nashville urban living and adds 147 units to Nashville’s affordable housing stock. This work was led by Rick Neal, a Pinnacle commercial real estate advisor who also serves as vice chair of the Tennessee Housing Development Agency. 

For home ownership to change lives, the new owners must be financially fit enough for it. So Pinnacle associates provide ongoing education on early concepts like budgeting, savings, debt retirement and how to manage a credit score. After seeing how Pinnacle approaches home loan assistance, one community partner said, “Your people came through my meeting and crushed it, making my day!”

Navy Federal Credit Union

Navy Federal Credit

Navy Federal Credit Union serves more than 13 million members of the military and their families from its operations centers in Florida and Virginia, with 350 worldwide branches. The company offers a full range of financial products and services such as savings, checking, credit cards, loans, financial education and counseling, brokerage accounts, trust services, auto and personal insurance and small business services. 

Navy Federal’s unique level of care extends to the environment, and the ways they encourage their team members to be good stewards of the earth. Last spring, their Greening Up team initiated an enterprise-wide sustainability challenge in which employees could come up with thoughtful solutions to create meaningful change, such as adding community composts to campus locations, upcycling household items and installing light sensors to reduce electricity use. The challenge finished with 500 participants, 35 challenges and 3,084 completed submissions. These climate ambassadors committed to pledges advocating for sustainability, increased awareness and education, and small incremental changes to their daily lives.

“Sustainability means meeting our own needs without compromising the ability of future generations to meet their own needs,” says Sherlyn Grecia, an assistant branch manager. “ It's important to know how we can help in our own little way for our planet, for the next generation.”

Nationwide Mutual Insurance Company

Nationwide Mutual Insurance Company is one of the largest and strongest diversified insurance and financial services organizations in the United States. Their commitment to showing care for people inside and outside of the organization will have lasting impact for years to come. 

A prime example: Over the past few years, Nationwide’s leadership witnessed its employees becoming increasingly concerned about their children’s mental health. In fact, 8 out of 10 working parents believe mental health challenges have increased in recent years. In an effort to provide support to parents as they navigate their children’s mental health needs, the Nationwide Foundation recently funded the creation of the Bloom program. Bloom is a free, confidential set of resources created by the behavioral experts at Nationwide Children’s Hospital. The curriculum, which is part of a broader initiative for children’s mental health called On Our Sleeves, offers short courses that help parents and caregivers build mental wellness habits, start mental health conversations and recognize when kids need additional help. Nationwide associates were instrumental in helping to develop the curriculum as they piloted this effort and provided the hospital with critical insight into parents’ greatest needs. As of 2023, Bloom has transitioned from its pilot phase and is available to employers from all sectors, with no-cost to nonprofit organizations. The program earned the prestigious Halo Award for Best Health Initiative from the Engage for Good organization

Says a team member: “The culture is truly one of a kind, and we value people as our priority both internal to the organization, and in everything that we do. I have never been so aligned from a personal value and professional value standpoint and am very proud to work at Nationwide.”

Established in 1868, MetLife is the largest life insurer in the United States based on life insurance in force. The MetLife companies offer life insurance, annuities and other financial services to individuals. 

MetLife knows that a positive work environment begins with caring benefits, so at the start of May 2023, they launched a new Employee Care and Innovation Center of Excellence (COE), and introduced a new role: chief employee care officer. The goal of the COE is to design innovative, end-to-end solutions focused specifically on caring for employees. The COE is housed in HR, but aims to address every aspect of employee care across the enterprise. It supports employees in areas that span employee relations, DEI, learning and development, health and well-being, benefits, flexibility and other aspects of the day-to-day work experience. And while the COE is run by a centralized HR team, an enterprise-wide, cross-functional Employee Care Circle ensures its comprehensive reach.

“They genuinely care about their customers and stakeholders,” says a MetLife team member, “ about transparency and security. They use their resources to better their environments and use influence for good.”

Robert Half Inc.

Robert Half

San Ramon, Calif.-based Robert Half Inc. is the world’s first and largest specialized talent solutions and business consulting firm, whose mission is to positively change people’s lives by finding them rewarding work and to assist businesses in locating the talent they need to succeed.

In 2022, Robert Half launched its innovative People Promise, which includes four focus areas: well-being, career, connections and impact. The People Promise is the idealization of Robert Half’s values in action, providing a clear roadmap for investment in an employee's success. It also emphasizes Diversity, Equity and Inclusion (DEI), Employee Experience, Operational Excellence, Talent Development, People Technology and Analytics. By the end of the year, Robert Half concluded that employee engagement was at an all-time high. 

“Building a thriving workplace culture means putting our people first,” explains Senior Vice President of Human Resources Lynne Smith. “Providing them with an inclusive work environment, connecting them with opportunities to learn and grow and giving them the support needed to achieve work-life balance, a feeling of connection and overall well-being.”

Splunk Inc.

Splunk Inc.  helps make the world’s largest organizations more resilient by keeping their digital systems secure and reliable on its unified security and observability platform. If you ask executives at the San Francisco-headquartered IT outfit the secret of their success, they’ll tell you: it’s the people — Splunkers, familiarly. 

One way they honor their people: “Pwny Perks,” a global well-being reimbursement program named in honor of the company’s mascot, Buttercup the Pony. The program allows employees to choose from perks, activities and programs that can improve their well-being or create conveniences to make their lives easier. Receiving a reimbursable budget each quarter of $500, Splunkers have a range of eligible expenses that include fitness and health products, family support and financial wellness resources. To date, 90 percent of all Splunkers across the globe have submitted at least one claim, with travel, gym memberships and personal care being the top three reimbursement categories.

“From my first day at Splunk, I felt the strength of the organizational culture,” says a Splunker. “Splunk has a strong culture. I enjoy contributing to the business’s success, as well as helping my team achieve their goals.”

Midland, Mich.-based Dow manufactures a broad range of advanced materials that include plastics, industrial intermediates, coatings and silicones

At the beginning of 2023, Dow Chair and CEO Jim Fitterling wrote to all employees, thanking them for their hard work: “Your resilience, your adaptability and your commitment were on full display… and I want to thank the entire Dow team for all you achieved.”

Dow’s spirit of adaptability goes both ways, as demonstrated by the company’s introduction of Design Your Day, a post-pandemic approach to productivity. Seeing firsthand that many team members could be productive while working away from their typical on-site office settings, Dow launched Design Your Day, which enables each employee and their leader to collaborate on an individual workplace plan — based on an individual’s specific role and responsibilities — that maximizes their productivity and balances personal needs. DYD also extends to how employees dress, encouraging a commonsense approach geared toward authenticity and flexibility.

Tri Pointe Homes, Inc.

Tri Pointe Homes

One of the largest homebuilders in the U.S., Tri Pointe Homes, Inc . is a recognized leader in customer experience, innovative design and environmentally responsible business practices. The company builds premium homes and communities in 12 states and the District of Columbia, with deep ties to the communities it serves — some for as long as a century.

Maintaining a sense of community is key to Tri Pointe’s business success, and the satisfaction of its team members. Tri Pointe’s Compass Club fosters a positive and inclusive culture by planning events that bring fun, purpose and value to their people and the communities they serve. This cross-functional team, with members at each of Tri Pointe’s divisional offices, embodies the H.E.A.R.T. (Humility, Empowerment, Authenticity, Results and Team) mission and values, recognizing and rewarding efforts, building relationships and strengthening teamwork. Through intentional and thoughtful planning, the Compass Club curates multiple events per month around fun and engaging culture-building themes, such as Random Acts of Kindness Week, National Adoption Month and holidays. They also engage the teams in charitable events like shoe drives, diaper drives and beach cleanups.

“The management in the company go above and beyond to support our success,” says a Tri Pointe associate “I appreciate the recognition for our hard work and dedication, and the team's ability to know what needs to be done and executing it well.”

Trane Technologies PLC

Trane Technologies PLC is a global climate innovator that brings efficient and sustainable climate solutions to buildings, homes and transportation, via strategic brands Trane and Thermo King, and a portfolio of environmentally responsible products and services.

In 2022, to inspire and enable its people to advance its corporate citizenship strategy around the world, Trane Technologies created Purple Teams. Among many other acts of goodwill, Purple Teams has partnered with Reading is Fundamental to collect and package backpacks with STEM-focused books, bookmarks, worksheets and handwritten notes for low-income schools. More than 200 Trane Technologies team members invested a total of 386 hours to help impact more than 11,000 students in 35 participating schools. That same year, Trane increased its philanthropic giving by 39 percent from 2021, to a total of over $15 million. Trane’s growing global network of dedicated partnerships support its mission to bolster access to STEM and sustainability curriculum among underrepresented students and to achieve a rich pipeline of diverse talent.

“We are literally helping change the world for the better with our products and Services,” says a Trane Technologies team member, “and are an example for all companies and communities to build diverse and inclusive environments that help people thrive.”

MCN Build, Inc.

Washington D.C.-based MCN Build offers pre-construction, construction management, general contracting and consulting services, and its transparent problem-solving approach and core technical competencies provide clients with the optimal construction partner from start to finish.

MCN Build and its employees put values into practice through the MCN Build Foundation. MCN’s dedicated philanthropic efforts allow employees to give back to the communities where they live and build, and to leave the world better than they found it. That means creating opportunities for children and adults who have been afforded fewer chances in life, by providing easier access to education, both locally and abroad. The MCN Build Foundation is a catalyst for the company to leverage experience and skills in construction to make the world a better place, one community at a time. The more than 20 nonprofits supported by the foundation include Bread For the City, DC Central Kitchen, St. Ann's Center, Wise Young Builders, Wreaths across America, She Builds, Dreaming Out Loud and Capitol Hill Ministries.

Says a team member: “This company has given me every opportunity to excel and utilize my experience to better the company. We hire great employees and give them great opportunities as well.”

Capital One Financial Corporation

Capital One

The diversified financial services company headquartered in McLean, Va., puts its people first through fair pay, transparency, a commitment to diversity and opportunities for growth. And investing in its people allows Capital One to share the benefits with the larger community.

Capital One strives to share its greatest assets — associates’ talents, ideas and knowledge — with communities through direct support to local and national nonprofits. In 2022, nearly 14,000 associates volunteered more than 250,000 hours in their communities. More than 900 of those associates engaged in pro bono volunteerism, supporting 162 unique community partners (55 percent Black-led and 56 percent women-led organizations) delivering almost 20,000 hours of skilled advice, counsel and problem-solving to community groups and nonprofit partners.

“Capital One has created a culture where people can be fully themselves,” says an associate. “I have always felt like I have a voice, and that my managers and mentors are advocates for me. I look forward to coming to work, engaging with my peers and finding creative solutions to get the job done, all facilitated by the Capital One culture.”

Teleperformance USA

Teleperformance

With nearly 500,000 inspired and passionate people speaking more than 300 languages, Teleperformance USA ’s global scale and local presence allow the Salt Lake City-based professional services outfit to be a force of good in supporting communities, clients and the environment. 

In March 2023, the TP Women resource group hosted events in Teleperformance locations across the country in honor of Women's History Month. TP Women set a hefty goal of $300,000 in clothing donation items through a professional clothing drive to benefit women entering or reentering the workforce. In total, more than 625 bags of clothing were donated in support of this cause, totaling more than $384,000 in gift-in-kind donations, far exceeding the initial goal. TP Women also installed 50+ new/expectant mother premier parking signs at the various Teleperformance physical locations to show appreciation for working mothers. 

"Teleperformance is a great place to work,” concludes one team member. “Good management, approachable bosses and supervisors. [And] there are so many interesting activities. Indeed the best!”

Mediavine is the largest full-service ad management company in the United States, exclusively representing and monetizing more than 10,000 publisher partner websites with 1.6 billion monthly page views in addition to its owned and operated properties. 

To mark National Foster Care Month 2022, and to honor team members who have direct connection to foster care, Mediavine launched its Nurture + Shine project. The goal of Nurture + Shine is to help children and families who are in the process of fostering or adopting receive the emotional and financial support that they don’t normally receive. In collaboration with Hello Bellow, Mediavine donated 6 months of diapers and household bundles to 25 families in the Denver area. 

“I love how diverse and interactive the company is,” says a Mediavine team member. “I feel truly seen and I walk into work feeling like I have the proper support system to help me do my job to the best of my benefit.”

Power Home Remodeling

Chester, Pa.-based Power Home Remodeling is the nation’s largest, full-service, exterior home remodeler and culture powerhouse, committed to creating an environment where people don’t just live — but thrive. 

At its core, Power views itself as a service organization, “because the deepest part of a Power person’s DNA is about serving others, without being asked and certainly without being told.” Power has maximized volunteer hours, the amount of goods they’ve donated and the dollars they’ve raised — and through a partnership with the financial investment firm Harvest Partners — established the Power of Giving Foundation, which allocated more than $5 million in charitable giving in 2023. 

Power describes their slightly unorthodox foundation this way: “[Power of Giving] has no mission statement and has no parameters yet — and that’s on purpose. While it’s in its infancy, we want to learn from our people so that the Foundation is a reflection of them. What are the things employees are most passionate about? Where do they think these dollars can make the biggest impact? The Foundation will put up the dollars, but employees are in the driver's seat when it comes to putting in the action that is required to make those dollars meaningful.”

W.W. Grainger Inc.

W. W. Grainger

Grainger is a leading broad line industrial distributor with operations primarily in North America, Japan and the United Kingdom, serving more than 4.5 million customers globally. 

Recently recognized for the second time by Military Times as a Best for Vets Employer, Grainger has made great efforts to recruit, retain and support current and former service members, military spouses and military caregivers. Grainger’s Veterans and Military Supporters (VMS) business resource group hosted an event with the Employer Support of the Guard and Reserves (ESGR), a group that works to promote the unique talents and skill set Guard and Reserve Service members can bring to the civilian workforce. Grainger also joined the ESGR’s Statement of Support Program, which encourages employers to act as advocates for employee participation in the military. Grainger Chairman and CEO D.G. Macpherson formally signed the ESGR pledge to reinforce Grainger’s commitment to this organization and to those team members who have or will serve in the military.

“The friendly environment that Grainger fosters is what helps make this a great place to work,” says a team member. “Everyone is willing to cooperate with one another.”

Stellar Solutions Inc.

Michael Troutman/www.dmtimaging.com

Los Altos, Calif.-based Stellar Solutions Inc. is a global aerospace and systems engineering services provider to commercial, defense, intelligence, civil and international sectors. The company values equity in the workplace and has committed to building a more diverse team.

In 2022, Stellar Solutions signed the Space Workforce 2030 pledge, a long-term commitment to improving diversity in the workforce and holding themselves accountable for measurable results. Members of this growing consortium of more than 30 companies meet at a working level twice per year for open discussions about progress and to exchange best practices. Annually, Stellar Solutions publicly shares aggregated industry data. In the past year they have already seen improvements in workforce diversity, especially at the leadership level.

“I believe I have a voice that is heard within the company,” says a team member. “I'm given the opportunity to build and grow within the company. Additionally, Stellar goes out of its way to recognize great work and looks for opportunities outside the organization for recognition.”

Vizient Inc.

Irving, Texas-based Vizient helps healthcare organizations improve their performance. It starts with Vizient’s mission, centered on assisting providers in achieving sustainable results, and a shared passion to think creatively about ways to improve America’s healthcare.

In 2022, Vizient launched two new diversity networking associations (DNAs). APIDA@Vizient supports and empowers employees who identify or relate to Asian, Pacific Islander and Desi-American heritage, while Dimensions@Vizient promotes awareness around intersected identities and elevates the voices of all employees with a focus on interwoven identities and lived experiences. And because DNA leaders add tremendous value, visibility and impact to the organization,  above and beyond their day jobs, Vizient now compensates qualifying DNA leaders with an additional $10,000 annually. To meet the threshold, they must be in their second year of successful leadership and otherwise be in good standing.

“The volunteer opportunities and commitment to creating and maintaining our culture as a company has been amazing in my time here so far,” says a Vizient associate. “I have been here for over one year now and have had opportunities to give back to my own community — even though I work remotely — participate in wonderful webinars and discussions and attend team-building events.”

Toast, Inc.

Dana J. Quigley Photography

Boston-based Toast Inc . powers successful restaurants of all sizes with a technology platform that combines restaurant point of sale, front of house, back of house and guest-facing technology with a diverse marketplace of third-party applications.

Toast is committed to the purpose: “Enrich the food experience for all.”  That corporate philanthropy is fueled by Toast.org, which galvanizes people to participate in community service, support other organizations and restaurants making a difference, create products that improve the food landscape and help drive impact across the cause pillars “food, community and environment.” In 2022, Toast launched its inaugural Impact Grants program, directing $1.25 million in grants to nonprofits working to create an impactful and inclusive restaurant community and to address food security in communities around the world. This global grant-making includes more than $1 million from the company’s inaugural round of Impact Grants to 22 nonprofit organizations and $200,000 to organizations supported by 40 Toast.org local volunteer committees.

Say a Toaster: “The culture makes Toast a great place to work. People are encouraged to bring their whole selves to work and we keep our customers at the forefront in everything we do.”

ezCater, Inc.

Headquartered in Boston, ezCater is the leading food for work technology company in the U.S, connecting anyone who needs catering for their workplace to more than 100,000 restaurants nationwide.

At heart of ezCater’s corporate philosophy is a simple truth: “We love to help.” That means helping customers, partners, vendors and each other. It also putting team members in the best position to help others, which ezCater has done through active nonprofit support. Their donations include more than 300,000 meals to Feeding America through the CaterCares initiative; 140 computers to the Boys & Girls Club of America and the Girls Inc. nonprofit organizations; and more than $7,000 in food to the New England Center and Home for Veterans, Volunteers of America and the Winter Walk Organization.

“The culture, camaraderie, transparency and opportunities for growth and advancement are unparalleled compared to other companies I have worked for,” says a team member.

Atlassian, Inc.

As a leading provider of collaboration software for teams, San Francisco-based Atlassian, Inc. knows the value of working together to increase wins and unleashing the potential of teams. 

When it comes to climate, this means helping other teams move faster to make a climate commitment. It’s not enough for Atlassian to reduce emissions; the company says it needs more businesses to get in the game now. So to make getting started easier, in April 2023 Atlassian released its “Don’t #@!% the Planet” resource, which lays out Atlassian’s own journey from establishing its sustainability program and setting science-based targets. The goal in sharing real-world experience is to provide a blueprint for teams to get started sooner and help others accelerate their current commitments, while empowering leaders to build momentum within their own companies — allowing everyone to move through roadblocks more quickly. The guide was downloaded more than 500 times in the first month. 

Of Atlassian’s unique magic, one employee says: “It's hard to explain, but you feel it. I trust my forward-thinking direct executive leaders. This is the future.”

Workiva is on a mission to power transparent reporting for a better world. The company builds and delivers the world’s leading cloud platform for assured integrated reporting to meet stakeholder demands for action, transparency and disclosure of financial and non-financial data.

Workiva knows that building a better world involves empowering employees around the globe to come together and give back. March 17 is the annual company-wide day of service. Last year, hundreds of employees banded together and participated in a variety of volunteer activities, like preparing meals at food banks, cleaning beaches, researching school curriculum for code.org, writing cards and more, serving more than 120 different nonprofits and tracking 2,484 volunteer hours. This paid day of service is also in addition to the eight hours of VTO every employee receives.

“This company truly lives by what it preaches,” says a Workiva team member. “Everyone here believes in the product and is willing to go the extra mile for customers. I feel seen as an individual and know I make a difference at our company.”

Lucid Software Inc.

Lucid Software

Lucid Software is a leader in visual collaboration, helping teams see and build the future from idea to reality. With its products — Lucidchart, Lucidspark and Lucidscale — teams can align around a shared vision, clarify complexity and collaborate visually, no matter where they're located.

Every summer, Lucid hosts an internal hackathon, setting aside three days to work on Lucid-related passion projects. Any employee who wants to participate may join a team and then together choose a project to focus on. Projects range from features they believe will enhance product to fun gamification adds to moonshot ideas that change the technological trajectory of the company. The effects of the hackathon last long beyond the three days, renewing the company’s creative energy for months. The projects and new ideas can also guide Lucid’s collective vision for the remainder of the year. Since 2020, the Hackathon includes both in-person and virtual components, ensuring Lucid’s teams across the globe are able to participate, watch project pitches and vote on their favorites.

“When it comes to core values, Lucid walks the walk,” says a team member. “This company is unique in that aspect. As a new employee, I've never felt more welcome at an organization. My leadership is transparent, supportive, wise and approachable. Lucid is a great place to be, and I am super grateful to be a part of this phenomenal team.”

Roth Staffing Companies, L.P.

Roth Staffing

Roth Staffing , based in Orange, Calif.,is an award-winning, full-service staffing firm, driven by its company purpose: “To make life better for the people we serve.” The organization includes five specialized business lines that work independently or together to fulfill clients’ workforce management needs.

Giving back to the community is one of the cornerstones of Roth Staffing’s efforts to fulfill that company purpose. One of the most impactful community initiatives has been “Roth Food for Thought," where coworkers across the nation volunteer at local food banks in support of Feeding America. Through this year’s initiative, Roth saw a huge influx of participation, coworker engagement and more than 650 volunteer hours, surpassing the prior year’s effort.

As one team member describes the undeniable appeal of Roth Staffing: “A culture of belonging, outstanding leadership team and excellent opportunities for advancement and growth.”

Hewlett Packard Enterprise

Hewlett Packard

Houston-based Hewlett Packard Enterprise (HPE) is the global edge-to-cloud company that helps organizations accelerate outcomes by unlocking value from all of their data, everywhere. 

To foster the spirit of community far and wide, HPE employs a program called Mystery Coffee. The program matches a team member with another HPE colleague from around the world based on similar interests and connects them in order to have a conversation – either virtually or in person. All team members are eligible to sign up and participate, and the program makes it easy by providing icebreaker ideas and setting up calendar invites. More than 4,000 team members globally have participated in this program to-date. And to promote peer recognition, HPE launched a tool called Star Point that makes it easier for team members to send e-cards to their peers and team and track recognition points to spend at an online store.

“The ability to be yourself and to voice your ideas and not be shot down [makes HPE special],” says an employee. “This company does a fantastic job of encouraging people to make change and we are supported all the way!

Sephora is a leading global prestige omni-retailer, featuring more than 3,000 stores globally, with a mission to champion a world of inspiration and inclusion where everyone can celebrate their beauty.

As a beauty retailer, Sephora believes in the responsibility to help its consumers make sustainable choices and informed decisions about the products they purchase. That’s why Sephora continues to improve its assortment with science-backed innovations and eliminate unwanted ingredients via the Clean at Sephora standards. In addition, the retailer actively works with brands to help update formulas to meet distinct criteria. Partnerships with organizations like Novi Connect and ChemForward help bring these goals to life.

“I appreciate the opportunity to contribute at multiple levels,” says a Sephora team member. “My opinion is never discounted just because it might not be within my direct area of responsibility. The collaborative spirit and inclusivity make this a special place to work and something that I have not seen in previous employers.”

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Promotion and Rewards Terms and Conditions

This agreement sets forth the general terms and conditions (“ Promotion Terms ”) that apply to your participation in any promotion offered by Inspire Digital Services PJM, LLC and/or Inspire Digital Services California, LLC (“ Inspire ”), including any introductory offers, offers that you access through a promotional code, or any other rebate, bonus, incentive, or reward offered by Inspire (each a “ Promotion ”). These Promotion Terms are subject to your agreement with Inspire for energy subscription and billing service (“ Subscription Agreement ”), as may be amended from time to time. The Subscription Agreement constitutes a part of these Promotion Terms and is expressly incorporated herein. Inspire reserves the right both to modify these Promotion Terms from time to time and/or to terminate any Promotion at any time and without prior notice unless notice is required under law.

Terms of specific individual Promotions can be found in the Terms of Individual Promotions section below. PLEASE NOTE:  THE TERMS BELOW ARE VERY IMPORTANT BECAUSE THEY OUTLINE YOUR LEGAL RIGHTS AND OBLIGATIONS, AS WELL AS CONDITIONS, LIMITATIONS, AND EXCLUSIONS THAT MIGHT APPLY TO YOU. THE SUBSCRIPTION AGREEMENT INCORPORATED HEREIN CONTAINS A BINDING ARBITRATION PROVISION THAT AFFECTS YOUR RIGHTS, INCLUDING YOUR RIGHTS UNDER THESE PROMOTION TERMS.

1. Eligibility.

To qualify for any Inspire Promotion, you must be 18 years of age or older and have an active Inspire account in good standing. Additional eligibility requirements may apply for specific Promotions. You may not be eligible for certain Promotions, including Promotions relating to initial enrollment with Inspire (e.g., a “Sign Up Bonus”), if you have previously been enrolled with Inspire. Promotions are limited to one per customer and member account. Inspire reserves the right to determine whether a particular customer satisfies applicable eligibility requirements to participate in any Promotion. Promotions may not be available for all customers.  Promotions are not available in areas where Inspire does not offer its services.

2. Limitations.

Promotions are limited time offers. Unless otherwise provided by applicable law, Promotions have no value of any kind until they are redeemed and received by you, and you have no property rights or other legal interest in any Promotion until you redeem and receive a benefit under the Promotion.

To the extent a Promotion benefit is not a cash award, and unless otherwise provided by applicable law, the Promotion benefit shall have no cash value. Promotions are non-negotiable. You may not transfer, pledge, sell, barter, or assign Promotions to any other party, and any attempt to do so shall be void and of no legal effect. A Promotion cannot be combined with other Promotions, discounts, reward programs, or other offers, unless specifically authorized by Inspire.

Additional terms and limitations may apply to specific Promotions. Inspire reserves the right, in its sole discretion, to determine whether a particular customer has met all requirements to redeem under a specific individual Promotion. The manner and means by which a Promotion or Promotion benefit may be redeemed by, conveyed to, or reimbursed to a customer is at the sole discretion of Inspire and may be by any means Inspire deems appropriate.

Inspire may rely on redemption instructions provided through verbal, written, or electronic means on your behalf, regardless of whether or not you personally stated or submitted them. You agree that Inspire is not liable for following the redemption instructions of anyone claiming to be you.

Promotions are void where prohibited by law. In the event that all or part of any Promotion is found to be in violation of applicable law, Inspire shall have no obligation to provide or fulfill the terms of such Promotion.

Inspire may change or cancel any Promotion at any time. Inspire may revoke your participation in any Promotion at any time, and any Promotion or Promotion benefit associated with you may be forfeited at Inspire’s discretion unless already redeemed and received by you. Inspire may temporarily or permanently disqualify you from participating in any Promotion and/or adjust or cause to be forfeited any benefits under any Promotion as a result of your abusive behavior, “gaming” conduct, fraud, misrepresentation, violation of any law, bankruptcy or insolvency (subject to applicable law and regulation), or violation of any of the terms or conditions of the Promotion, these Promotion Terms, the Subscription Agreement, or any other agreement with Inspire or your local utility company, in each case as determined by Inspire in its sole discretion.

If you, Inspire, or your local utility company cancels your service, closes your Inspire account, or revokes your access to any services provided under the Subscription Agreement for any reason, your claim to any Promotion or Promotion benefit not already redeemed by and received by you is forfeited.

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Inspire may need to provide your information to a third-party vendor or service provider in order to fulfill some or all of a Promotion. You may opt out of Inspire providing information to these third parties by calling Inspire at 1-866-403-2620. Should you opt out, Inspire does not guarantee another means of accessing or redeeming a Promotion. Please see Inspire’s Privacy Policy for additional information.

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You agree to indemnify and hold Inspire and its third-party vendors and service providers and their respective affiliates, successors, directors, officers, employees, agents, and contractors harmless from and against any loss, damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from your: (i) participation in a Promotion; (ii) fraud or misuse of a Promotion; (iii) violation of these Promotion Terms; and/or (iv) violation of any applicable law or the rights of any third party.

Inspire shall not be responsible for resolving any conflicting claims to any Promotion or Promotion benefit. Inspire is not responsible for any lost or stolen Promotion or Promotion benefit. Inspire shall have no liability in connection with or relating to any disagreements between you and your local utility company.

Inspire reserves the right (but is not required) to correct inaccurate Promotion benefit awards. If Inspire does not credit, or improperly denies, your eligibility for a Promotion to which you were otherwise eligible, then your exclusive remedy will be the issuance of the improperly denied Promotion benefit, if available, or such other alternative benefit as Inspire, in its sole discretion, may determine.

Neither Inspire nor any of its affiliates, agents, or representatives have any other or additional liability to you or any other person for such error(s), subject to applicable law. The parties shall follow the dispute resolution procedures set forth in the Subscription Agreement.

Notwithstanding any other provision of these Promotion Terms and subject to the immediately preceding paragraph, in no event will Inspire or any of its respective affiliates, successors, directors, officers, employees, agents or contractors be responsible or liable to you, or anyone claiming through you or on your behalf, for claims, damages, or liability arising out of participation in a Promotion or related to a Promotion, other than such claims, damages, or liability directly caused specifically by Inspire’s gross negligence or willful misconduct. In no event will Inspire be liable for any indirect, special, exemplary, punitive, or consequential damages, including without limitation lost revenue, lost profits, or lost opportunity, arising out of or relating to any act or omission of Inspire, its service providers, or any of their respective affiliates or agents, or otherwise in connection with or relating to a Promotion or its administration or that result from the use of or inability to use a Promotion or Promotion benefit, whether arising under contract, warranty, tort (including negligence or strict liability), or any other theory of liability, even if Inspire has been made aware of the possibility of such damages.

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Inspire may end any Promotion at any time for any reason or no reason, without notice to you unless notice is required under applicable law. Inspire may also in its sole discretion cancel, change, amend, modify, or restrict any Promotion or any aspect, term, or feature of any Promotion or these Promotion Terms at any time without prior notice and for any reason or no reason (subject to any notice requirements under applicable law). You consent to all such changes and agree that they will apply to you and the Promotions.

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The failure by Inspire to enforce any provision of these Promotion Terms shall not constitute a waiver of that provision. You may not assign any of your rights or obligations under these Promotion Terms, in whole or in part, without Inspire’s prior written consent. Inspire may assign its rights and/or obligations under these Promotion Terms, in whole or in part, without your consent.

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The Rewards Program allows you to earn rewards points (“ Rewards Points ”) in various ways, including, for example, when you meet a specific energy saving goal. When you qualify to receive Rewards Points, they will be automatically deposited into your Rewards account. Whenever your Rewards account balance reaches 1,500 Rewards Points (“ Redemption Threshold ”), you can redeem your Rewards Points to receive a discount off your next Inspire bill, to make a donation to a GivePower Project, or to receive another specified program benefit.

Provided you meet the Redemption Threshold, every 100 Reward Points can be redeemed for $1 towards a discount, donation, or other program benefit, up to a maximum of 1,500 Rewards Points per redemption. Rewards Points are non-transferable and cannot be used in combination with any other Promotion or retroactively for prior purchases. Rewards Points do not expire as long as you have an active full-bill subscription plan account with Inspire. If your Inspire subscription is cancelled or terminated, or if you fail to comply with these Rewards Terms, any unredeemed Rewards Points will be forfeited. You have no property rights or other vested legal interest in unredeemed Rewards Points. Rewards Points have no cash value and are purely promotional.

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Meghan Markle Says That Princess Lilibet Has Found Her Voice

The Duchess also said that strong women, including her mother Doria Ragland, inspire her.

Meghan was speaking during a summit called Afro-Descendant Women and Power: Voices of Equity held in the city of Cali Sunday. She initially spoke in Spanish, which she learned 20 years ago while studying in Argentina, then switched to English for other parts of the discussion.

“For me, I find inspiration in the strong women around me, of course my mother being one of them,” the Duchess said… “So much of how I approach things is less about the fight, and more about how do we show up in a space and wash things over with love and kindness and generosity.”

Meghan said that as a mother she tries to be a role mode to encourage her daughter to speak up. “At three, she has found her voice,” Meghan laughed before continuing, “And we are so proud of that because that is how we, as I was saying, create the conditions in which there is an ripple effect of young girls and young women knowing that if someone else is encouraging them to use their voice and be heard, that’s what they’re going to do and they’re going to create a very different environment than so many of us grew up in where our voices were meant to be smaller.”

Meghan also spoke about the importance of men’s role in empowering women and praised Harry for being a man who has done this. The couple has spend the past four days in Colombia on a trip at the invitation of the country’s Vice President Francia Márquez. As they are no longer working royals, they are representing themselves and their organization Archewell during the visit. Meghan described in her remarks on Sunday how she had felt “really relaxed” on the trip.

As the digital director for Town & Country, Caroline Hallemann covers culture, entertainment, and a range of other subjects 

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