Booking.com Genius Rewards Visa Signature® Credit Card
A no-annual-fee travel rewards card from First Electronic Bank.
Rates, fees, and full terms are set by First Electronic Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Booking.com Genius Rewards Visa Signature is a strong no-fee travel card for anyone who books through Booking.com. It earns 6% on stays booked in the Booking.com app, 5% on other Booking.com travel, 3% on dining, gas, and groceries, and 2% on everything else, all as Booking.com Travel Credits worth $1 each.
It also unlocks Genius Level 3, with 10% to 20% off select stays and discounts on rental cars, and charges no foreign transaction fees. The only catch is that the credits are not cash; they are for travel booked on Booking.com.
Think twice if: you prefer cash back or book directly with hotels and airlines, since the credits only work on Booking.com.
Our 7.6 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 6% in Travel Credits on stays booked in the Booking.com app, 5% on flights, stays, car rentals, attractions, cruises, and taxis on Booking.com, 3% on dining, gas, and groceries and on everything you buy during a Booking.com stay, and 2% on everything else. Travel Credits are worth $1 each on Booking.com with no minimum to redeem. Spend $15,000 in a year and you get an extra $100 in credits.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 3x | Bonus category |
| Groceries | 3x | Bonus category |
| Gas | 3x | Bonus category |
| Travel | 2x | Base rate |
| Streaming | 2x | Base rate |
| Everything else | 2x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 5% on flights, stays, car rentals, attractions, and cruises on Booking.com
The fine print on rates: Rewards are Booking.com Travel Credits worth $1 each on stays, flights, car rentals, taxis, and attractions booked on Booking.com, with no minimum to redeem. They are not cash, so the card is best for people who already book travel through Booking.com.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining, groceries, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 2% back on everything, 3% on dining, gas, and groceries
- Up to 6% on Booking.com travel
- Genius Level 3 discounts
- No annual fee and no foreign transaction fees
- Credits only work on Booking.com
- Not cash back
- Best rates require booking through Booking.com
The welcome bonus
New cardholders earn $150 in Travel Credits after spending $1,500 in the first 90 days. That is a good offer for a no-fee card.
First-year value vs ongoing value
| Welcome bonus | $150 in Travel Credits |
| To earn it | $1,500 in the first 90 days |
| Est. first-year value* | $845 |
| Est. ongoing value / yr* | $695 |
The welcome bonus makes year one the high point: roughly $845 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $695 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Genius Level 3 status: 10% to 20% off select stays and 10% to 15% off select rental cars
- $100 in Travel Credits each year you spend $15,000, and no foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Booking.com card if you book most of your travel on Booking.com. A 2% floor and 3% on everyday categories, all toward trips, plus Genius Level 3 discounts, is a lot for a free card.
If you would rather have cash, a flat 2% card like the Citi Double Cash pays the same base rate in real money.
Alternatives to the Booking.com Genius Rewards Visa Signature® Credit Card
Pairs well with
The Booking.com Genius Rewards Visa Signature® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
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How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Booking.com Genius Rewards Visa Signature® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
