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Best Credit Cards for a Road Trip in 2022

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Taking a road trip is more than hopping in your car and seeing where the highway takes you. You'll want to plan ahead, make a budget, and be sure you're carrying a credit card that earns rewards or scores you discounts on your travels. The best credit cards for road trips can save you money on gas, earn bonus points on expenses like groceries and dining, and even insure you against accidents if you rent a car. Here are some of the best credit cards for road trips, and when you might want to use each.

2 Partner Offers

Our Picks for the Best Cards for a Road Trip
Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

10 points per dollar spent on hotels and car rentals and 5 points per dollar spent on air travel when you purchase travel through Chase Ultimate Rewards® (after the first $300 is spent on travel purchases annually)

3 points per dollar spent on all other travel and dining purchases

1 point per dollar spent on all other eligible purchases

Bank of America® Customized Cash Rewards credit card

3% cash back each quarter in the available category of your choice

2% cash back each quarter at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases; then earn 1% cash back)

1% cash back on all other purchases

Best for Car Rentals: Chase Sapphire Reserve®

This popular travel rewards card is an all-around excellent choice to take with you on your next road trip.

Bonus bonanza: With the Chase Sapphire Reserve®, you can earn 60,000 bonus points after spending $4,000 in purchases within 3 months of account opening. This card earns 10 points per dollar spent on hotels and car rentals and 5 points per dollar spent on air travel when you purchase travel through Chase Ultimate Rewards® (after the first $300 is spent on travel purchases annually). You'll also earn 3 points per dollar spent on all other travel and dining purchases. The card's $300 travel credit reimburses you for travel purchases up to that amount each account anniversary year, which can help cover the cost of tolls and lodging on your road trip. You'll earn 1 point per dollar on all other purchases.

Travel protections: If you're renting a car for your trip, this is one of the few cards to extend primary collision and damage insurance on auto rentals so you won't have to go through your own personal car or homeowners insurance if you get dinged up.

Annual fee accounting: This card's annual fee is $550 per year.

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Exceptional

APR

19.24% - 26.24% Variable

Intro APR

N/A

Rewards

10X points on Hotels and Car Rentals Purchased Through Chase

5X points on Air Travel Purchased Through Chase

3X points on Travel & Dining

1X points on All Other Purchases

Intro Bonus

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 Ultimate Rewards®

Annual Fee

$550

Card Details
  • 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 Ultimate Rewards®.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel.
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Best for Gas: Bank of America® Customized Cash Rewards credit card

Of course, one of the major expenses of a road trip is gas, so you want to be sure you have a card you can maximize at the pump.

Cash back is king: What sets this card apart from the other best credit cards for gas is that it earns 3% cash back in the category of your choice from a list that includes gas, dining, travel, drugstores, online shopping, home improvement and furnishings, as well as 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined spending. It earns 1% back on all other purchases.

Card caps: The downside is that there are so many 3% categories to choose from that gas might not be the best one for you. Plus, there's a $2,500 cap on eligible spending, which might hamstring you. That said, for a card with no annual fee, this is still a strong earner.

What's a Road Trip Credit Card?

You might have heard of airline and hotel credit cards, and cash back cards, but there's no specific category of "road trip credit cards." That doesn't mean there aren't plenty of options you can maximize on your next extended drive, though.

The credit card or cards you tote along on your trip should include perks you can take advantage of both at home and on the road. Those might include extra rewards on gas and dining purchases, statement credits that save you money on your trip expenses, and even roadside assistance to help with a tow if you run into trouble.

What Are the Benefits of a Road Trip Credit Card?

Many rewards cards offer benefits that can come in handy on a road trip. Among the ones to look out for include the following.

Bonus Earning Opportunities

Make sure any card you pack on your road trip will earn bonus points or cash back on the things you're likely to buy.

Discounts and Statement Credits

Certain rewards cards offer statement credits toward travel purchases that can save you money on a road trip.

Auto Rental Insurance And Roadside Assistance

If you plan to rent a car for your trip, it pays to use a credit card with rental car insurance.

There are some limitations to be aware of with this card, such as the maximum rental period of 31 days, and certain types of vehicles like exotic or commercial ones might be excluded. But all in all, it's a great benefit to count on that can save you cash and headaches if you do get into a fender bender.

This card is also an excellent choice if you're driving your own vehicle since you can take advantage of roadside dispatch assistance, including paying just a flat fee for towing up to 5 miles, tire changing, jump starting, lockout service, fuel delivery of up to 5 gallons, and winching, all subject to certain conditions.

How to Choose the Best Credit Card for a Road Trip

Which credit card is best for a road trip will depend on what your plans are and your financial outlook. Here is what you need to think about as you choose a card.

Consider the Annual Fee and APR

It's not worth signing up for a credit card with a high annual fee if you're not sure whether you will be able to get more value from its benefits year after year, so keep that dollar amount in mind.

If you plan to carry a balance, or need to transfer a balance from another card, look at whether the credit cards you're considering offer attractive introductory financing, such as 0% intro APR on purchases or balance transfers for the first year to 18 months. By taking advantage of such terms, you can avoid paying interest and late fees on purchases, or make headway in paying down debt from other cards you might have. Just beware, balance transfer fees are usually around 3% to 5% of the transfer amount or $5, whichever is greater.

Check the Score Requirements

Many of the best travel rewards cards are geared toward consumers with high credit scores. So before you apply for a new card, double-check whether your credit score is within the right range for it by reviewing your Experian credit report and your FICO® Score with a free Experian CreditWorksSM account.

Compare Offers

Finally, make sure you're getting the best deal on a new card by comparing offers currently available through a service like Experian CreditMatchTM, and then apply for the card whose benefits most closely match your needs.

Although there are no road-trip-specific credit cards, many of the best rewards cards offer several perks you can maximize on road trips. Look for cards that earn bonus points on purchases like gas and dining, and at the higher end, those that include statement credits toward a variety of expenses such as parking and tolls. It also pays to use a card that extends insurance on car rentals if that's the route you intend to go. By maximizing a credit card on a road trip, you can rake in rewards and perks that you might even be able to put to use on your next journey out on the open road.