Travel Rewards Credit Card
Earn Unlimited 1.5 Points Per Dollar — Everywhere You Spend
A travel card with no annual fee, no foreign transaction fees, and no complicated category tracking. Every dollar you spend earns 1.5 points — earn 3x at the FCB Travel Center. Redeem for flights, hotels, cash back, and more.
Card Benefits
Six Reasons to Make Travel Rewards Your Everyday Card
Simple, powerful, and fee-free — the Travel Rewards card is built for people who want a card that works as hard as they do, whether crossing the globe or crossing town.
Unlimited 1.5 Points on Every Purchase
Every dollar spent earns 1.5 points — groceries, gas, streaming subscriptions, utilities, you name it. No caps, no rotating categories, no activation required. With Preferred Rewards Platinum Honors, that rate climbs to 2.625 points per dollar on everything.
3x Points at the FCB Travel Center
Book flights, hotels, vacation packages, car rentals, and cruises through the Federal Crown Bank Travel Center and earn 3 points per dollar — double your standard rate. Travel Center bookings unlock the best combination of earning and redemption flexibility.
Points Never Expire
Your points stay in your account indefinitely as long as your account remains open and in good standing. No annual fee to worry about, no expiration clock ticking. Accumulate at your own pace and redeem when the trip of your dreams makes sense.
No Foreign Transaction Fees
Use your Travel Rewards card anywhere in the world with zero foreign transaction fees. Many cards charge 3% on international purchases — with this card, that fee is $0. Ideal for international travel, foreign online purchases, and business trips abroad.
Preferred Rewards Bonus: Up to 75% More Points
Preferred Rewards Gold members earn 25% bonus points; Platinum earns 50% more; Platinum Honors earns 75% more. A Platinum Honors member earns 2.625 points per $1 on everything and 5.25 points per $1 at the FCB Travel Center — exceptional with no annual fee.
Travel Insurance Perks Included
Cardholders receive complimentary travel accident insurance, lost luggage reimbursement, trip cancellation/interruption protection, and auto rental collision damage waiver when travel is charged to the card. Real dollar value beyond the points you earn.
Points Earnings at a Glance
How Many Points You Earn — By Tier and Purchase Type
Points are earned on net purchases. The table below shows effective points-per-dollar at each Preferred Rewards tier, plus estimated value on the 25,000 bonus point offer.
Points value when redeemed for travel at 1 cent per point. Preferred Rewards bonus applied to base earning rate. Qualifying balance thresholds: Gold $20K–$49,999 · Platinum $50K–$99,999 · Platinum Honors $100K+. Balances are 3-month average combined across eligible FCB and Merrill accounts.
Redeem Your Points
Five Ways to Redeem — Consistent Value Across Options
Federal Crown Bank Travel Rewards points are worth 1 cent per point across most redemption categories, so you get straightforward value without chasing complex transfer partners or blackout windows.
Flights
Any airline, no blackout dates. Book via FCB Travel Center or redeem as statement credit on a travel charge within 12 months.
Hotels & Resorts
Hundreds of thousands of properties worldwide. Points cover the full booking amount including taxes and resort fees.
Cash Back / Deposit
Deposit value into any FCB checking or savings account, or apply as statement credit. Minimum 2,500 points ($25).
Travel Statement Credit
Redeem against any travel purchase charged to your card within the past 12 months — flights, hotels, car rentals, ride-shares, cruises.
Amazon Purchases
Link card to Amazon account and pay with points at checkout. Slightly lower value — best to save points for travel redemptions.
Pro Tip
Use your card to book travel anywhere (Expedia, Kayak, airline direct), then redeem points as a statement credit within 12 months. Maximum flexibility, zero restrictions.
Built-In Travel Protections
Travel With Confidence — Complimentary Coverage Included
When you pay for travel with your Travel Rewards card, you automatically receive important protections at no extra cost, underwritten by independent insurers through Visa's benefit program.
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the full rental to your Travel Rewards card. You're covered for damage due to collision or theft for most standard vehicles. Applies worldwide. Excludes exotic, antique, and high-value specialty vehicles. Coverage acts as primary or secondary depending on your personal auto policy.
Trip Cancellation & Interruption Insurance
If your trip is canceled or cut short due to illness, severe weather, jury duty, or other covered events, you may receive reimbursement for non-refundable, prepaid travel expenses charged to your card. Up to $2,500 per covered trip. Submit claims within 60 days of the cancellation event with supporting documentation.
Travel Accident Insurance
Receive accidental death and dismemberment coverage when you purchase common carrier tickets (air, bus, ship, train) with your card. Coverage up to $1,000,000 for covered loss of life or limb. Applies to cardholder, spouse, and dependent children traveling on the same itinerary and ticket.
Lost Luggage Reimbursement
If checked or carry-on luggage is lost or stolen on a common carrier trip paid with your card, you may be reimbursed up to $3,000 per person per trip for the actual value of belongings. File a claim within 20 days with documentation from the airline or carrier confirming the loss.
24/7 Emergency Travel Assistance
Around-the-clock access to emergency services worldwide. Services include emergency card replacement, cash advance coordination, medical and legal referrals, pre-trip destination intelligence, and emergency message relay for family. Call collect from anywhere in the world using the number on the back of your card.
$0 Liability Fraud Protection
You are never responsible for unauthorized transactions. Federal Crown Bank's 24/7 fraud monitoring flags suspicious activity and contacts you immediately. Confirmed fraud is covered completely — no out-of-pocket cost. Replacement cards typically arrive in 3–5 business days, or 1–2 days with expedited service.
Card Terms & Fees
Full Rate and Fee Disclosure
Variable APRs are tied to the U.S. Prime Rate. Your specific rate is determined at account opening based on creditworthiness.
Frequently Asked Questions
Travel Rewards Card — Your Questions Answered
Earn 25,000 Bonus Points — Worth $250 in Travel
No annual fee. No foreign transaction fees. Unlimited 1.5 points per dollar on every purchase. Apply in minutes.
Checking whether you pre-qualify will not affect your credit score. Credit approval required. Points value may vary by redemption type. Terms apply.