Best Trip.com Credit Cards for Cashback & Savings

Which credit cards work best on Trip.com? Compare ​cashback, miles, and travel perks​ to save on flights, hotels, and bookings.

Trip.com Credit Card | Earn Trip Coins & Membership Cashback

I highly reccommend register Loyalty Program of Trip.com to reduce your cost. Earn Trip Coins and redeem credits for your activities. For example, you can get Trip coins after sharing your travel experience.

Trip coins also function as cashback:

• ​100 Trip Coins = $1 off on hotels, flights, activities, and more.
• No minimum redemption—use them even for small discounts!
• Stack Trip Coins with member-exclusive deals for double the savings.

Don't forget to leave a review after your trip, as it’s an easy way to earn extra Trip Coins for future bookings.

Trip.com Credit Card | Top Travel Credit Cards

To get best rewards through reservation on Trip.com, I suggest you to pair your membership with credit cards strategically. But the rates you earned largely depend on merchant category coding (MCC).

Try to contact your card issuer to verify Trip.com's specific MCC classification.

1. Trip.com Credit Card | Chase Sapphire Preferred®

• For annual fee, this card just costs $95 and free for foreign fees.
• For rewards, users can get double points on Trip.com bookings, and get 5x points via Chase Travel Portal. Points are worth 25% more when used for travel through Chase.

2. Trip.com Credit Card | Capital One Venture Rewards

• For annual fee, this card just costs $95 and free for foreign fees.
• For rewards, uses can get 2x Miles on every Trip.com purchase.

3. Trip.com Credit Card | Citi Strata Premier®

• For annual fee, this card just costs $95 and free for foreign fees.
• For rewards, users can get 3x points if Trip.com codes as "airfaire" or "hotel", users can get 1x points for most Trip.com bookings.

Trip.com Credit Card | ​Top Cashback Credit Cards

Cashback eligibility for Trip.com purchases depend on proper merchant category coding as either 'Travel Services' or 'Third-Party Travel Agencies' by payment processors. So I highly recommend confirming your card issuer's specific categorization protocols prior to booking to ensure reward qualification.

1. Trip.com Credit Card | Discover it® Cash Back

In my experience, the Discover it® Cash Back card has been my secret weapon for travel savings, but you need to play by its rules. Every quarter, I check Discover's online calendar to see if "travel" is featured in their 5% cashback category – it pops up about once a year, usually around summer or holiday seasons. When it's active, I time all my Trip.com bookings during that window because ​​I get 5% back on every dollar spent​​, which is huge for flights and hotels.

For non-travel quarters, I still use this card for Trip.com purchases since it gives me 1% cashback on everything – no exclusions. But honestly, I switch to other cards when travel isn't the quarterly category to maximize rewards.

2. Trip.com Credit Card | Bank of America® Customized Cash Rewards

To actually get that 3% cashback on my Trip.com purchases, I've learned to triple-check everything.

• First, confirm 'Travel' is actively selected as my quarterly bonus category in my card's online portal – and I plan ahead because that change only kicks in next billing cycle.
• Second, verify Trip.com codes as MCC 4722/4723 before big bookings – a quick check in my banking app saves me from missing out.
• Don't forget to track combined spending across the 3% and 2% categories.

3. Trip.com Credit Card | Citi® Double Cash

Rewards: Users can get 2% Cashback, flat rate on all Trip.com purchases, and there is no cap or category restrictions.

4. Trip.com Credit Card | Wells Fargo Active Cash®

The same as Citi®, user can get 2% Cashback and Flat rate on all Trip.com bookings, which is ideal for users seeking simplicity.

Trip.com Credit Card vs Other Payment Methods

Insights for Travelers​

• Awayls remember use Trip.com Credit Card for bookings to earn Trip.com coins and rewards.
• While booking flights or hotels, perfer methods with built-in protections.​

Best Miles Credit Cards for Trip.com

Strategic Approach​​

Trip.com transactions may code as:

• ​​MCC 4722​​ (Travel Agencies)
• ​​MCC 5999​​ (General Retail or Miscellaneous)
• ​​MCC 4511​​ (Airlines - less common)
  

​​Top Card Recommendations​​

How to Earn Additional Miles on Trip.com

Elevate your Trip.com earnings by integrating ​​heymax​​ with your existing credit cards. This dual-layer approach delivers compound rewards:

• Retain ​​full credit card points or miles​​ from your payment method
• Simultaneously earn ​​heymax Max Miles​​ at accelerated rates:
  • ​​2.5x​​ on Hotels & Tours or eSIM purchases
  • ​​1.25x​​ on Attraction bookings
  • ​​1x​​ on Train tickets

How to Save on Trip.com​ (Credit Cards Tips & Member Deals)

1. ​​Unlock Promo Code Savings​

Users can combine seasonal promos (e.g., Summer Sale EXTRA15) with credit card rewards, don't forget to subscribe to Trip.com emails for flash deals.

​​2. Optimize Credit Card Rewards​​

​​3. Maximize Trip.com Loyalty Program​

Trip.com Loyalty program is related with Trip.com membership, in all, members can get more coins and benefits. Come and join the membership program now!​

​Wanna know more about Trip.com Membership? Read this article below 👇​

​​4. Smart Booking Hacks​

There are also some other small hacks to save money, ​give it a try and get more savings!