Most Overrated vs Underrated Travel Credit Cards — Community Vote

1️⃣Capital One Venture X

Venture X packs premium lounge access, strong earn, and flexible transfers at a price that undercuts the flashy cards. Points redeem easily through Capital One Travel or via partners. One card that does almost everything for frequent flyers and ambitious vacationers.

Address: 1680 Capital One Dr, McLean, Virginia, USA

2️⃣Chase Sapphire Preferred

The community value pick: simple to use, stacked with high-ROI redemptions. Strong bonus categories and a portal boost make points stretch further. Pair it with no-annual-fee companions to hoard and deploy points like a pro.

Address: 270 Park Ave, New York, USA

3️⃣American Express Platinum

Iconic and flashy, but the annual fee keeps climbing. Lounge access shines only if your airports fit the network and crowding is not an issue. Great hotel perks, yet everyday earn is underwhelming without heavy airfare spend.

Address: 200 Vesey St, New York, USA

4️⃣United Club Infinite

Solid if you live and breathe United, but rigid for travelers who want flexibility. Lounge access and checked bags help, yet your rewards are trapped in one airline. Dynamic award pricing can wipe out value when you need it most.

Address: 233 S Wacker Dr, Chicago, USA

5️⃣Apple Card

Polished and fast, but travel value is thin. No partners and limited protections mean you leave serious rewards on the table. Great as a simple cash card, not a trip hacker tool.

Address: 1 Apple Park Way, Cupertino, California, USA