Le migliori carte di credito da viaggio per punti e miglia: trasforma ogni acquisto in una fuga

If you’ve been using credit cards for a while, you already know the basics: pay on time, avoid carrying a balance, and earn cashback where you can.

But once you reach a certain level, flat-rate cashback just isn’t enough. That’s where travel credit cards — especially those that offer miles, transferable points, and premium perks — come into play.

With the right card (or combination of cards), you can:

• Fly for free (or almost free)
• Get airport lounge access
• Earn elite status faster
• Transfer points to top airlines or hotels
• Save hundreds in travel fees

In this guide, we’ll show you the best travel credit cards for experienced users — including their strengths, ideal profiles, and smart ways to use their benefits.

🌍 Why Choose Travel Over Cashback?

If you travel frequently — even just a few times a year — miles and points can unlock far more value than cashback.

Here’s why:

In short: travel cards require more planning, but they offer more value.

🎯 Who Are These Cards For?

You’re ready for a premium travel card if:

• You fly at least 2–3 times a year
• You’re comfortable managing multiple cards or programs
• You want perks like lounge access, TSA PreCheck, hotel upgrades
• You understand (or are willing to learn) how to transfer points strategically
• You consistently pay your balance in full and don’t mind annual fees

🏆 Best Travel Credit Cards for Points and Miles in 2024

Let’s dive into the most powerful cards on the market right now — each offering high-value redemptions, elite perks, E strong welcome bonuses.

🔹 1. Carta Chase Sapphire Preferred®

Ideale per: Points flexibility and travel partnerships

This card is a favorite among point collectors for a reason. You’ll earn Chase Ultimate Rewards® points, which can be redeemed for cash, gift cards, or transferred to 13+ airline and hotel partners.

Punti salienti:

• 2x points on travel and dining
• 5x on travel through Chase Ultimate Rewards®
• 1x on everything else
• 60,000-point welcome bonus (after $4,000 in 3 months)
• Points worth 25% more when redeemed through Chase Travel

Quota annuale: $95

🔗 Apply at chase.com/personal/credit-cards

🔹 2. Carta American Express® Gold

Ideale per: High spenders on dining and groceries

With the Amex Gold, you earn Membership Rewards® points — widely considered one of the most versatile point currencies in the U.S.

Punti salienti:

• 4x points at restaurants, including delivery
• 4x at U.S. supermarkets (up to $25,000/year)
• 3x on flights booked directly or via Amex Travel
• $120/year dining credit + $120/year Uber Cash
• Transfer points to 20+ travel partners

Bonus di benvenuto: 60,000 points (after $4,000 in 6 months)
Quota annuale: $250

🔗 Apply at americanexpress.com

🔹 3. Capital One Venture X®

Ideale per: Premium perks + flat rewards

Capital One Venture X is a premium travel card that combines simplicity with elite benefits. You get flat-rate miles on everything, but also access to lounges, credits, and top-tier travel tools.

Punti salienti:

• 2x miles on all purchases
• 5x on flights and 10x on hotels through Capital One Travel
• 75,000-mile bonus (after $4,000 in 3 months)
• Access to Capital One Lounges + Priority Pass
• $300 annual travel credit + 10,000 bonus miles yearly

Quota annuale: $395 (offset by credits and perks)

🔗 Apply at capitalone.com/credit-cards

🔹 4. Chase Sapphire Reserve®

Ideale per: Frequent travelers who want luxury benefits

An upgrade from the Sapphire Preferred, this card is designed for people who travel often and want full access to premium experiences.

Punti salienti:

• 3x points on travel and dining
• 10x on hotels and car rentals through Chase Travel
• 50% more point value when booking through Chase
• $300 annual travel credit
• Global Entry/TSA PreCheck credit
• Priority Pass lounge access

Bonus di benvenuto: 60,000 points (after $4,000 in 3 months)
Quota annuale: $550

📈 Smart Ways to Use Points and Miles

To really benefit from these cards, you need to think beyond basic redemptions:

1. Transfer to partners — Airlines like United, Emirates, Air France, and hotels like Hyatt or Marriott offer better redemption value.
2. Avoid cash back redemptions — Most travel points lose value when converted to cash.
3. Book travel during off-peak times — Get more for fewer points.
4. Use your perks — Lounge access, travel credits, and insurance can cover the annual fee.
5. Pair cards — Use a flat-rate card for general purchases and a category card for travel/dining.

⚠️ Important Notes Before Applying

• These cards require good to excellent credit (680–750+ recommended)
• Annual fees are only worth it if you use the perks
• Missed payments can wipe out the value of rewards
• Understand blackout dates, transfer ratios, and expiration rules before using miles

✅ Conclusion: Travel Smarter, Spend Better

Advanced travel cards are more than status symbols — they’re powerful tools that can save you thousands on flights, hotels, and upgrades — if used wisely.

The key is not just choosing a card with perks, but choosing the one that fits how you travel E what you value.

Whether you’re flying monthly, dining out often, or planning the trip of a lifetime, there’s a premium card waiting to multiply your rewards.

Scritto da Artù Updated on Maggio 14, 2025