Simple by design.
Three steps. No spreadsheets, no fine print.
Book anything.
Flights, hotels, and car rentals across every major brand — all in one search, all earning the same currency.
Earn automatically.
Every dollar you spend earns Tern Points the moment you book. No tracking, no codes, no separate logins to juggle.
Redeem freely.
Spend your points on any future trip, any category, any brand. No blackout dates, no expiration, no fine print.
The fine print, removed
No fees. No cards. No catch.
Premier travel cards charge hundreds of dollars a year just for the privilege of earning points — and those points are usually locked to a single airline or hotel family. Tern flips that: free to join, no credit card, and a single rewards currency that moves freely across every brand.
Premier travel cards
$400–$700/yr
- Annual fees, often hundreds of dollars
- Points locked to a single airline or hotel family
- Requires approval for a specific credit card
- Renews automatically, year after year
No credit card required
Create a Tern account and start earning points immediately — no card application, no credit check, no waiting on approval.
No subscriptions, ever
Most premium travel rewards come with a yearly fee that renews whether you travel or not. Tern is free, permanently — no plans, no tiers, no renewal dates.
Your wallet
This is what's waiting for you.
A live preview of the Tern wallet — your balance, all in one place the moment you sign in.
Your points are waiting.
Creating an account takes a minute. Earning starts on your very first booking.