It’s hard to believe summer is winding down. But that doesn’t mean your travel plans have to. If you’re already looking further into 2023, you likely know how expensive travel can get. Hotels, airfare, rental cars, it takes a lot to have a good time in a new place. Luckily, travel credit cards can help lessen some of the costs thanks to their rewards, perks and welcome offers.
The best travel credit cards, usually in exchange for an annual fee, provide perks that can expedite certain aspects of your travel while making it more comfortable. They’ll sometimes even include annual credits to put toward your travel expenses along with certain protections like travel insurance. Just be sure the card matches your travel budget before you apply.
Here are some of the top travel credit cards to choose from.
The Chase Sapphire Preferred® Card has the best travel rewards program relative to the annual fee. The rewards and welcome bonus seem roughly equivalent to other cards at its price point, but the 25% redemption value boost for points when booking travel through the Chase Ultimate Rewards portal puts this card’s rewards program far ahead.
It also includes other common travel cards perks like no foreign transaction fees and some travel insurance coverage. This card also offers travel credit -- a $50 Annual Hotel Credit for hotel stays purchased through Chase Ultimate Rewards each account anniversary. A unique feature is 1-to-1 points transfers with airline and hotel partners, allowing you more flexibility in your rewards redemption.
See more details in our full review of the Chase Sapphire Preferred.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.49% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Sapphire Preferred® Card has the best travel rewards program relative to the annual fee. The rewards and welcome bonus seem roughly equivalent to other cards at its price point, but the 25% redemption value boost for points when booking travel through the Chase Ultimate Rewards portal puts this card’s rewards program far ahead.
It also includes other common travel cards perks like no foreign transaction fees and some travel insurance coverage. This card also offers travel credit -- a $50 Annual Hotel Credit for hotel stays purchased through Chase Ultimate Rewards each account anniversary. A unique feature is 1-to-1 points transfers with airline and hotel partners, allowing you more flexibility in your rewards redemption.
See more details in our full review of the Chase Sapphire Preferred.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.49% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Sapphire Reserve may look expensive at first glance, but the credits and rewards can easily compensate for the cost for frequent travelers. Not only will you earn great travel rewards, but you’ll receive perks that save you time and energy during your journey. You’ll get a statement credit reimbursement for Global Entry or TSA PreCheck (worth $100 for Global Entry or $85 for TSA PreCheck, both valid for five years), which can save you the hassle of long security lines at the airport.
You’ll automatically be reimbursed for up to $300 of travel expenses per year via the annual travel credit, plus you’ll get airport lounge access through Priority Pass Select and a number of other VIP-style travel perks.
For more details, see our full review of the Chase Sapphire Reserve.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 22.49% – 29.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each balance transfer, whichever is greater
The Chase Sapphire Reserve may look expensive at first glance, but the credits and rewards can easily compensate for the cost for frequent travelers. Not only will you earn great travel rewards, but you’ll receive perks that save you time and energy during your journey. You’ll get a statement credit reimbursement for Global Entry or TSA PreCheck (worth $100 for Global Entry or $85 for TSA PreCheck, both valid for five years), which can save you the hassle of long security lines at the airport.
You’ll automatically be reimbursed for up to $300 of travel expenses per year via the annual travel credit, plus you’ll get airport lounge access through Priority Pass Select and a number of other VIP-style travel perks.
For more details, see our full review of the Chase Sapphire Reserve.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 22.49% – 29.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each balance transfer, whichever is greater
The Citi Premier® Card is Citi’s competitor to the Chase Sapphire Preferred Card. Though the Sapphire Preferred may offer higher rewards rates on certain travel, the Citi Premier Card is less restrictive in the purchases that earn you points -- and 3x points is a respectable rate to offer for so many categories. The 60,000 point welcome bonus after spending $4,000 in the first three months is fairly competitive, too: If you earn it, it’s redeemable for $600 in gift cards or travel rewards at Thankyou.com.
There is a travel credit -- $100 Annual Hotel Savings Benefit toward a single hotel stay of $500 or more when booked through Thankyou.com, excluding taxes and fees -- but it’s more restrictive than that of some of its competitors.
For more information, check out our full review of the Citi Premier Card.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 29.24% (Variable)
- Balance Transfer Fee
- Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
The Citi Premier® Card is Citi’s competitor to the Chase Sapphire Preferred Card. Though the Sapphire Preferred may offer higher rewards rates on certain travel, the Citi Premier Card is less restrictive in the purchases that earn you points -- and 3x points is a respectable rate to offer for so many categories. The 60,000 point welcome bonus after spending $4,000 in the first three months is fairly competitive, too: If you earn it, it’s redeemable for $600 in gift cards or travel rewards at Thankyou.com.
There is a travel credit -- $100 Annual Hotel Savings Benefit toward a single hotel stay of $500 or more when booked through Thankyou.com, excluding taxes and fees -- but it’s more restrictive than that of some of its competitors.
For more information, check out our full review of the Citi Premier Card.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 29.24% (Variable)
- Balance Transfer Fee
- Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
The Capital One Venture Rewards Credit Card* is a straightforward, easy-to-use option for those who want to book travel with travel reward miles generated from general spending, instead of worrying about eligible purchase spending categories. Besides the rewards and welcome bonus, The Capital One Venture also gives cardholders up to a $100 statement credit for TSA PreCheck or Global Entry, as well as travel accident insurance and auto rental collision insurance (terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details).
Check out our full review of the Capital One Venture Rewards Credit Card.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 19.99% – 29.99% (Variable)
- Balance Transfer Fee
- $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
The Capital One Venture Rewards Credit Card* is a straightforward, easy-to-use option for those who want to book travel with travel reward miles generated from general spending, instead of worrying about eligible purchase spending categories. Besides the rewards and welcome bonus, The Capital One Venture also gives cardholders up to a $100 statement credit for TSA PreCheck or Global Entry, as well as travel accident insurance and auto rental collision insurance (terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details).
Check out our full review of the Capital One Venture Rewards Credit Card.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 19.99% – 29.99% (Variable)
- Balance Transfer Fee
- $0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
The American Express Gold Card is good for travelers with a proclivity for eating out or cooking from where they’re staying, as it offers high rewards at restaurants or U.S. supermarkets. It does have a high $250 annual fee, so you’ll want to be sure it fits into your budget before you apply.
Along with its strong rewards, it features no foreign transaction fees (see rates and fees) and a number of annual credits to take advantage of, including up to a $120 dining credit (up to $10 in statement credits each month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. How much your points are worth will vary, however, and you’ll want to be sure you’re redeeming for airfare through American Express Travel to get the most from them.
You can find out more in our Amex Gold Card review.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
- Intro Balance Transfer APR
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- Intro Purchase APR
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- Regular APR
- See Pay Over Time APR
- Balance Transfer Fee
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The American Express Gold Card is good for travelers with a proclivity for eating out or cooking from where they’re staying, as it offers high rewards at restaurants or U.S. supermarkets. It does have a high $250 annual fee, so you’ll want to be sure it fits into your budget before you apply.
Along with its strong rewards, it features no foreign transaction fees (see rates and fees) and a number of annual credits to take advantage of, including up to a $120 dining credit (up to $10 in statement credits each month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. How much your points are worth will vary, however, and you’ll want to be sure you’re redeeming for airfare through American Express Travel to get the most from them.
You can find out more in our Amex Gold Card review.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
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- Regular APR
- See Pay Over Time APR
- Balance Transfer Fee
- N/A
Bank of America® Travel Rewards credit card
For travel cards with no annual fee, the Bank of America® Travel Rewards credit card* offers one of the best flat rewards rate at 1.5 points per $1 spent on purchases. If you use the card to book your flights, hotels or other accommodations when you first get it, you’ll likely be able to earn the welcome bonus -- and then later spend it on your charges as a statement credit. The introductory APR on purchases can offer some security as an emergency card while you’re traveling, as well. If the unexpected happens and you need a last-minute flight back, you’ll have time to pay it off.
For more details, see our full review of the Bank of America Travel Rewards card.
- Intro Balance Transfer APR
- 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
- Intro Purchase APR
- 0% Intro APR for 15 billing cycles for purchases
- Regular APR
- 18.24% – 28.24% Variable APR on purchases and balance transfers
- Balance Transfer Fee
- 3% of the amount of each transaction
For travel cards with no annual fee, the Bank of America® Travel Rewards credit card* offers one of the best flat rewards rate at 1.5 points per $1 spent on purchases. If you use the card to book your flights, hotels or other accommodations when you first get it, you’ll likely be able to earn the welcome bonus -- and then later spend it on your charges as a statement credit. The introductory APR on purchases can offer some security as an emergency card while you’re traveling, as well. If the unexpected happens and you need a last-minute flight back, you’ll have time to pay it off.
For more details, see our full review of the Bank of America Travel Rewards card.
- Intro Balance Transfer APR
- 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
- Intro Purchase APR
- 0% Intro APR for 15 billing cycles for purchases
- Regular APR
- 18.24% – 28.24% Variable APR on purchases and balance transfers
- Balance Transfer Fee
- 3% of the amount of each transaction
The Capital One Spark Miles for Business* offers a simple way to earn miles and turn them into trips.
It’s especially useful thanks to its application fee credit for Global Entry or TSA PreCheck. Anyone who has spent time in airports knows what a pain TSA can be, but with this card you could skip right through it.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 26.24% (Variable)
- Balance Transfer Fee
- $0 at this Transfer APR
The Capital One Spark Miles for Business* offers a simple way to earn miles and turn them into trips.
It’s especially useful thanks to its application fee credit for Global Entry or TSA PreCheck. Anyone who has spent time in airports knows what a pain TSA can be, but with this card you could skip right through it.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 26.24% (Variable)
- Balance Transfer Fee
- $0 at this Transfer APR
The Credit One Bank Wander Card could be a rewarding choice, but its rewards are more restrictive than most travel cards.
You’ll earn a high 10x points per dollar on eligible hotel rentals and car rentals but only with a designated travel provider that may change from time to time. It does offer 5x points per dollar for eligible travel including airfare, hotels, and car rentals outside of the designated travel provider. It has an annual fee of $95, but doesn’t offer too much in the way of travel protections.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 29.24% Variable
- Balance Transfer Fee
- N/A
The Credit One Bank Wander Card could be a rewarding choice, but its rewards are more restrictive than most travel cards.
You’ll earn a high 10x points per dollar on eligible hotel rentals and car rentals but only with a designated travel provider that may change from time to time. It does offer 5x points per dollar for eligible travel including airfare, hotels, and car rentals outside of the designated travel provider. It has an annual fee of $95, but doesn’t offer too much in the way of travel protections.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 29.24% Variable
- Balance Transfer Fee
- N/A
For travelers who fly Delta frequently enough, the Delta SkyMiles Gold card offers a way to put some money back in your pocket while gaining a few travel protections.
It includes an annual $100 Delta credit each calendar year you spend $10,000 or more on the card. It’s a high spend requirement with a small payout, but a little back is better than none at all. You’ll also get your first checked bag free of charge and 20% back on eligible in-flight Delta purchases, plus it’s one of the few airline cards that offers good rewards for non-airline purchases.
You can learn more in our Delta SkyMiles Gold card review.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 20.99%-29.99% Variable
- Balance Transfer Fee
- N/A
For travelers who fly Delta frequently enough, the Delta SkyMiles Gold card offers a way to put some money back in your pocket while gaining a few travel protections.
It includes an annual $100 Delta credit each calendar year you spend $10,000 or more on the card. It’s a high spend requirement with a small payout, but a little back is better than none at all. You’ll also get your first checked bag free of charge and 20% back on eligible in-flight Delta purchases, plus it’s one of the few airline cards that offers good rewards for non-airline purchases.
You can learn more in our Delta SkyMiles Gold card review.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 20.99%-29.99% Variable
- Balance Transfer Fee
- N/A
The Discover it® Miles* has a simple yet lucrative rewards program that offers miles for everything you buy. It also has one of the best welcome bonuses around: Discover will essentially double the rewards you earn for your first year with the card at the end of your first year.
It doesn’t offer many additional travel perks, but you won’t have to pay any foreign transaction fees if you use this card abroad. You could get used to how a travel card operates before moving on to a more advanced card offering that includes more bells and whistles.
- Intro Balance Transfer APR
- 0% Intro APR for 15 months
- Intro Purchase APR
- 0% Intro APR for 15 months
- Regular APR
- 17.24% – 28.24% Variable APR
- Balance Transfer Fee
- 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
The Discover it® Miles* has a simple yet lucrative rewards program that offers miles for everything you buy. It also has one of the best welcome bonuses around: Discover will essentially double the rewards you earn for your first year with the card at the end of your first year.
It doesn’t offer many additional travel perks, but you won’t have to pay any foreign transaction fees if you use this card abroad. You could get used to how a travel card operates before moving on to a more advanced card offering that includes more bells and whistles.
- Intro Balance Transfer APR
- 0% Intro APR for 15 months
- Intro Purchase APR
- 0% Intro APR for 15 months
- Regular APR
- 17.24% – 28.24% Variable APR
- Balance Transfer Fee
- 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
The Ink Business Preferred is best if you travel relatively often on business. It has better redemption options than most cards, a high welcome bonus and a selection of travel protections.
Not only does it feature a 1:1 transfer rate to Chase’s travel partners (1 point equals 1 partner point/mile) but you can also get a 25% redemption bonus for redeeming for travel through Chase Ultimate Rewards. Its welcome bonus is higher than most cards at this fee level, and it provides cardholders with primary auto rental collision damage waiver.
Find out more in our Ink Business Preferred review.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 26.24% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
The Ink Business Preferred is best if you travel relatively often on business. It has better redemption options than most cards, a high welcome bonus and a selection of travel protections.
Not only does it feature a 1:1 transfer rate to Chase’s travel partners (1 point equals 1 partner point/mile) but you can also get a 25% redemption bonus for redeeming for travel through Chase Ultimate Rewards. Its welcome bonus is higher than most cards at this fee level, and it provides cardholders with primary auto rental collision damage waiver.
Find out more in our Ink Business Preferred review.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 26.24% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
The World of Hyatt Credit Card* offers extra amenities and rewards at World of Hyatt properties. It features a welcome bonus plus an annual free night award after your cardmember anniversary.
It charges a $95 annual fee, but it could be worth it if you stay at World of Hyatt properties often enough. Hyatt properties dot the US but don’t have many international locations. Along with its hotel rewards, it provides World of Hyatt Discoverist status which gives cardholders expedited check-in and late check-out, as well as preferred room upgrades when available.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.49% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each balance transfer, whichever is greater.
The World of Hyatt Credit Card* offers extra amenities and rewards at World of Hyatt properties. It features a welcome bonus plus an annual free night award after your cardmember anniversary.
It charges a $95 annual fee, but it could be worth it if you stay at World of Hyatt properties often enough. Hyatt properties dot the US but don’t have many international locations. Along with its hotel rewards, it provides World of Hyatt Discoverist status which gives cardholders expedited check-in and late check-out, as well as preferred room upgrades when available.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.49% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each balance transfer, whichever is greater.
What are the benefits of travel rewards credit cards?
Travel rewards cards are designed for a few purposes. They can help you earn points or miles to be redeemed for travel expenses, insure trips from unexpected mishaps or upgrade your accommodations. Annual fees for travel cards can range from $0 to hundreds of dollars, so it’s important to understand what you’ll get before signing up.
Common travel card benefits include:
Boosted travel rewards: Many travel credit cards offer elevated rewards rates for travel purchases, such as flights and hotels.
Travel booking portals: Several major credit card issuers have their own travel portals for booking flights, hotels, rental cars and more. Sometimes, these portals offer better deals if you book using your points or miles.
Trip insurance: Many travel credit cards offer some combination of baggage insurance, trip delay, trip cancellation, trip interruption or car rental collision insurance. You’ll have to check the fine print of each specific card for the details.
TSA PreCheck or Global Entry: Some credit cards will offer a credit for TSA PreCheck or Global Entry. These programs help you get through security lines at the airport faster and may benefit frequent flyers.
Lounge access: A perk common among premium travel cards, some credit cards offer access to airport lounges. There, you can wait for your flight in comfort with refreshments, lounges and work areas.
Annual travel credits: Many travel cards offer some sort of annual travel credit, whether for hotels, flights or general travel purchases. These credits can range from $50 into the hundreds of dollars, but they typically only come with travel cards that have an annual fee.
Consider the combination of these travel perks along with rewards rates in a credit card offer, and compare it to your own travel habits before choosing a travel credit card.
How to choose a travel rewards card
There are a number of different card features you’ll need to consider when deciding which travel card is right for you, including the fees, rewards, redemption methods and additional card perks.
Foreign transaction fees: If you plan to travel out of the US, you’ll want to be sure the card you’re eyeing doesn’t require foreign transaction fees. Many credit cards tack these fees on while you’re abroad, and they add up at an average 3% of your transaction.Most travel credit cards don’t have foreign transaction fees.
Annual fees: You’ll want to make sure that the card’s rewards and benefits provide enough value through your normal spending to cover its annual fee. That means your spending generates enough rewards to cover the fee and you travel enough to use all of the card benefits. A travel card without an annual fee is better for travelers who don’t travel too often throughout the year, but it likely won’t provide overly impressive card perks like annual statement credits.
Rewards: A travel credit card’s rewards are one of the most important things to consider. You’ll want to make sure they match your spending while you travel, and are worth something when it’s time to redeem. Choose a card that bolsters how you spend every day without having to change your spending habits to fit the card.
Rewards redemption: Some credit cards offer redemption bonuses for certain types of redemption, while others offer point transfers to hotel or airline partners that could provide a higher per-point value than standard forms of redemption. Generally, you’ll have a better chance to maximize your rewards if you have more options available.
Travel perks: And lastly, consider the card’s additional perks. Does it offer annual statement credits or airport amenities like airport lounge access or an application fee credit for Global Entry or TSA PreCheck? Many premium travel cards will offer ways to offset their annual fees through their benefits, but you’ll need to make sure you can make full use of them to do so.
What are travel points and miles worth?
The value of points and miles will vary depending on the card and how you redeem them. Travel credit cards usually have two main forms of redemption, using rewards for past travel expenses and transferring them to hotel and airline partners.
Point transfers could provide a higher per-point value than standard forms of redemption, but again it depends on what card you’re using and which brands you’re transferring them to. Generally, travel cards encourage you to redeem for travel, which could mean booking airfare, hotels or rental cars.
When redeeming for airfare or hotels, factors including how many people are traveling and booking at that time will also impact the value of your points or miles. But generally speaking, points and miles will always be worth the most when used for travel as opposed to statement credits or other forms of redemption.
How to maximize your travel card
To maximize your cards’ value, use it strategically for purchases that provide the most rewards, and then redeem those rewards in the most lucrative way. That’ll likely be for travel through your card’s respective travel portal or for point transfers to its travel partners.
Make sure you take advantage of any annual statement credits that may apply to you. Take advantage of airport amenities like airport lounges, priority boarding, or having checked bag fees waived.
Should you get a travel rewards card?
If you travel a few times a year, then yes. Travel credit cards are great tools for making your trips less stressful and in some cases, less expensive. Which travel card you should get depends on how often you’re on the road.
How to apply
Follow these steps to apply for a travel rewards card:
- Find the card that best fits your travel habits.
- Follow the links above to a secure application on the credit card issuer’s website.
- Fill out all the required financial and personal information.
- Use your card responsibly and pay on time.
Make sure to redeem your travel rewards in the way that provides the greatest value, and to use its perks whenever possible.
FAQs
While most don’t, you’ll need to read the terms that come with your credit card to be certain.
No, the IRS categorizes credit card reward redemption as non-taxable.
It varies from airline to airline. You can check on the respective airline’s website when booking a flight by choosing the option that lets you pay for a flight with credit card rewards.
Our methodology
CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card.
For rates and fees of the American Express Gold Card, click here
For rates and fees of the Delta SkyMiles Gold American Express Card, click here
*All information about the Capital One Spark Miles for Business, Bank of America Travel Rewards credit card, Capital One Venture Rewards Credit Card, World of Hyatt Credit Card, and Discover it Miles has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
