- May 17, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Planning for Future Travel
Hey everyone. I plan to do a lot of traveling over the next couple of years and I want to make sure I have the right credit card to maximize travel benefits. The only cards I am familiar with right now are the Chase Sapphire and Capital One Venture cards.
I currently only have two credit cards – one for a department store that I no longer use and another is a Discover card with a $4k limit.
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When considering which credit card to get for travel benefits, it is important to focus on several key factors. These factors may include the rewards program offered by the card, such as the points or miles you can earn, as well as any sign-up bonuses.
You may also want to consider any annual fees associated with the card, as well as any additional perks such as travel insurance or airport lounge access.
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****** just grabbed a
One without foreign transaction fees if you plan to travel internationally
Wife got the Sapphire and added me as a user. When we spent enough to get the 50k bonus points she referred me. That got her an additional 10k points. I added her as a user to my card and we quickly had 50k more bonus points. Add in the points we earned to get the bonuses and we had roughly 120k points within a few months of starting. Then we started booking travel. Doing it through the Chase site made them go further. I think that the total savings were worth around $2k. Now we have 2% cash back cards from someone else but still have the Chase cards and book travel through their site.
For global travel, I would recommend a VISA or MasterCard over an AMEX
Lots of places internationally won’t take AMEX
(I carry all three just in case)
I have Chase Sapphire Preferred and I’m happy enough with it. I think it’s broadly considered one of the “better” travel cards because of the point flexibility.
If you have a preferred airline, that’s probably worth looking into as well though.
I’m not sure what “a lot” of traveling means. I have the Chase Sapphire preferred, but I take 2 to 4 trips a year. If a lot means four or more, reserve could be an option. You just have to check if the lounges are at your airport and such to see if it’s worth the annual fee.
Do the math for chase sapphire reserve.
Annual fee is $550. You get a $300 annual travel credit automatically applied. You get free global entry/TSA which is $100. That brings the annual fee down to $150 if you were planning on getting global entry, global entry lasts for 5 years.
You get $15/month on Instacart, if you already use Instacart that’s an additional $180/year. You get $5/month on DoorDash, if you already use DoorDash (even for pickup) that’s an additional $60 a year.
For this first year, you make $90 based on all those benefits IF YOU ALREADY USE THEM. Year 2 without global entry benefit or bonus points the annual fee comes out to $10 annual fee. If you’re not using the other benefits, just travel credit, your annual fee comes out to $250.
Other benefits are priority pass access, discounts on Lyft rides, as well as their point exchange rate. You get 10 points per dollar on travel purchases, 5 points per dollar on chase flight portal purchases, 3 points per dollar on dining, and 1 point per dollar on all other purchases.
Don’t trade points for cash (the value is bad compared to travel).
Sign up bonus is 75,000 points. If my calculations are correct, 1 point is 1.5 cents in the travel portal. That’s like $1000 towards travel. If you’re already spending that $4k minimum to qualify for those points on plane tickets or accommodations, it is super worth it. It pays for your next trip for free.
I’ve gotten multiple vacations for free based on this credit card that I took out for my big international trip to Singapore. If you’re already going on a big international trip, it is super worth it. After Singapore we had a wedding come up out of state, my points paid for our hotel and flights completely covered. If you’re not planning on going on a big trip, I wouldn’t recommend this card.
I’m on year 2, I think I’m going to downgrade to preferred next year. I use Instacart every other month and I’m taking care of my sister’s car so I’m not using Lyft as often so the value is going down for me. I moved to a city that doesn’t have a priority pass lounge at my airport and priority pass is now cutting the restaurant benefit which was HUGE for me. Anyway. Chase Sapphire preferred’s annual fee is $95, the travel credit is $50, leaving your actual annual cost at $45. and although the point exchange rate is lower it is still very good.
Capital one Venture X. Simple, easy to use card and annual fee is only $395. Card has tons of perks too!
I travel monthly or every other month. I have the southwest credit card, chase sapphire reserve, and capital one venture x.
What will be your primary airline and hotel chain?
Sapphire card has no foreign transaction fees
What kind of spending and income do you have going on? Some are great if you take advantage of lounges and nice hotels, but some will cater more to just basic cash back and low to no annual fee if you’re sort of backpacking around without much income.
We use the venture capital one card for points. But use a debit card (capital one 360) for actual travel because we can pull cash from any atm, no fees, no international transaction fees.
I have the Venture X. $395 annual fee and $400 travel credits per year, it practically pays for itself.
Chase Freedom Unlimited is a great and conservative option for traveling. 5% back on flights and hotels. No annual fees.
Based on my mistakes, I’d consider where you plan on traveling (international, remote areas, etc.) and how many options you’ll have available with the card you choose. I chose an airline card that doesn’t fly internationally (Southwest Visa), and a hotel card that doesn’t have as many international options, but I’ve mostly done domestic travel in the last few years. So it works for now, but I may have to change in the future.
I don’t have a ton of travel experience, but I’ve used my Southwest card a lot in the last few years. I feel like they have a lot of good deals, I like the 2 free bags, the intro offer was great, and the perks are ok for the annual fee. There are probably better ones out there, but I didn’t have stellar credit when I applied.
Other than that, I would look at the basics that most travel articles will recommend: no foreign transaction fees, low/no annual fees, your preferred type of rewards, and a good interest rate and intro offer to take advantage of.
You may find these links helpful:
– [Credit Building](/r/personalfinance/wiki/credit_building)
– [Credit Reports](/r/personalfinance/wiki/credit_reports)
– [Credit Scores](/r/personalfinance/wiki/fico)
– [Credit Cards](/r/personalfinance/wiki/creditcards)
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[This is the comprehensive answer to your question](https://m16p-churning.s3.us-east-2.amazonaws.com/Card+Recommendation+Flowchart+Latest.html). You are under the 5/24 limit.
I like TD areoplan, but to qualify for the good cards you need a large household income
It kind of depends on, Do you plan on flying or Driving? Staying in a hotel or airbnb? Continental or international? If flying most airlines partner with a major lender double up on points. Same goes for hotels. I usually take 2 big trips a year then use the points for free room and flights throughout the year. Roughly 10 rooms free. For weekend getaway’s that I spread out. And around 6 round trip flights that I also pair with the free rooms. So it all depends.
The choice of a credit card for travel , really depends on what you want to get in return for your traveling. I would recommend an American Express card linked to Hilton for hotels and possibly one linked to Delta for flights. My wife and I travel on vacation with the points I build up on my work trips. But I have coworkers who convert their Hilton points for use on Amazon and pay for their kids Christmas gifts. But those are personal choices, you can’t go wrong with any of the major airlines and hotel chains or the well known credit card companies.
Depends on a lot of factors, but knowing more about you I would suggest you get two new cards. Chase Freedom Unlimited for lots of everyday uses and the Chase Sapphire Preferred for travel.
Is your goal to travel a lot for as little expense as possible, or to cashflow your travel but get back as much as possible? What are some of your primary intended destinations? What is your closest major airport? What is your timeframe? How good is your credit? Are you travelling alone or are you travelling with a partner who is equally inclined to play the same game?
Chase Sapphire Reserve. The protection on canceled flights alone is worth it. Lounge access is marginal, but if a flight is canceled due to, say weather, Chase covers hotels, food, etc.
My main travel card is a Ritz Carlton. Great travel insurance and perks, unlimited club access with unlimited guests with priority pass, priority pass restaurant credits, etc.
If you can stick with Marriott as a hotel chain, it’s a no brainer for me, with work and leisure travel
Navy Federal Credit Card. Strong protections, $1 foreign transaction fees.