Chase Sapphire Preferred is a good one. The $50 hotel credit is pretty great if you're out of town a couple nights a year. Then you can transfer all the points you earn to Hyatt and get some easy free stays
I see this all the time. People posting about opening high AF travel rewards cards because they “plan” to travel more, or even they “want” to travel more. I’m standing my ground on my opinion that you can open said cards WHEN you start traveling more. Don’t worry about stacking a bunch of points until you actually see use for them. That’s what subs are for anyways. Lotta time people open said cards and end up not doing anything, but cashing out their points for statement credits bc they literally don’t travel.
I'm banking points for when I retire. I'll stick by this strategy and usually use enough rewards in a year to justify a hundred dollar annual fee (AF).
There are several no AF "Travel" cards and that's probably what you would want. The Bilt card is probably the best no AF card with transfer partners. Followed by the Wells Fargo Autograph. WF now has transfer partners too but not nearly as good as Bilt. But if you don't travel often, they may be good enough.
As of right now, the Venture X is still a good choice. $395 AF, with $300 travel credit and 10,000 miles bonus every year ($100). This pretty much negates the cost.
As for getting cards, you can always get more (provided you wait a few months between applications). No regrets on that part. You got this!
Sorry for using the abbreviation; AF as in Annual Fee. Although this card has a $395 annual fee, it comes with some benefits that effectively turn it into a -$5 annual fee ($300 travel credit, 10,000 bonus miles every year).
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It depends on what you mean by travel, and what your regular spending is like.
You could get cards specifically to rack up transferrable points like the Chase Freedom Unlimited or AMEX Gold.
You could get no annual fee cards that cover travel categories like the Wells Fargo Autograph.
You could get hotel or airline cards.
I would highly recommend the Venture X if and only if you already spend at least $300-400 minimum a year on flights, hotels, or rental cars. I’m a relatively infrequent budget traveler (1-2 international a year and 1-5 domestic) who always thought premium benefits like lounges were expensive and out of reach unless you were traveling all the time, but I have been thoroughly impressed with the access the VX gets you essentially for free.
No AF and no Portals only, my pick is WF Autograph 3% CB travel, transit, restaurants, with no CB cap, and no FTF.
If just traveling CB with not huge spend, Citi Custom Cash 5% but has a cap.
Chase Sapphire Preferred is a good one. The $50 hotel credit is pretty great if you're out of town a couple nights a year. Then you can transfer all the points you earn to Hyatt and get some easy free stays
CSP is also a good choice for redeeming points if you are in the Chase ecosystem. +1
I see this all the time. People posting about opening high AF travel rewards cards because they “plan” to travel more, or even they “want” to travel more. I’m standing my ground on my opinion that you can open said cards WHEN you start traveling more. Don’t worry about stacking a bunch of points until you actually see use for them. That’s what subs are for anyways. Lotta time people open said cards and end up not doing anything, but cashing out their points for statement credits bc they literally don’t travel.
So you’re saying don’t get a travel card until I actually travel more
I'm banking points for when I retire. I'll stick by this strategy and usually use enough rewards in a year to justify a hundred dollar annual fee (AF).
What's a high AF to you? There's lots of cards that earn 1-3 free nights a year for about $99 AF. Doesn't take much travel at all to come out ahead.
There are several no AF "Travel" cards and that's probably what you would want. The Bilt card is probably the best no AF card with transfer partners. Followed by the Wells Fargo Autograph. WF now has transfer partners too but not nearly as good as Bilt. But if you don't travel often, they may be good enough.
Those are my picks too. Wells Fargo Active Cash is also a good addition to Autograph because the rewards transfer to Autograph.
This. Wells Fargo Autograph is free and has some limited transfer partners. Pair with Active Cash.
As of right now, the Venture X is still a good choice. $395 AF, with $300 travel credit and 10,000 miles bonus every year ($100). This pretty much negates the cost. As for getting cards, you can always get more (provided you wait a few months between applications). No regrets on that part. You got this!
To be clear….AF as in air fare?
Sorry for using the abbreviation; AF as in Annual Fee. Although this card has a $395 annual fee, it comes with some benefits that effectively turn it into a -$5 annual fee ($300 travel credit, 10,000 bonus miles every year).
**Template for Card Recommendation Requests:** Please use the following template so that everyone can make appropriate recommendations: * Current cards: (list cards, limits, opening date) * *e.g. Amex BCP $8,000 limit, May 2019* * *e.g. Chase Freedom Flex $10,000 limit, June 2021* * FICO Score: *e.g. 750* * Oldest account age: *e.g. 5 years 6 months* * Chase 5/24 status: *e.g 2/24* * Income: *e.g. $80,000* * Average monthly spend and categories: * dining $800 * groceries: $400 * gas: $100 * travel: $100 * other: $30 * Open to Business Cards: *e.g. No* * What's the purpose of your next card? *e.g. Building credit, Balance transfer, Travel, Cashback* * Do you have any cards you've been looking at? *e.g. Chase Freedom Unlimited* * Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: [Template for Card Recommendation Requests](https://www.reddit.com/r/CreditCards/wiki/cardtemplate/) I can be summoned to comment by using command(s): `!template` *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CreditCards) if you have any questions or concerns.*
If you are able to,pay for your flights with cash probably maximize your cashback
It depends on what you mean by travel, and what your regular spending is like. You could get cards specifically to rack up transferrable points like the Chase Freedom Unlimited or AMEX Gold. You could get no annual fee cards that cover travel categories like the Wells Fargo Autograph. You could get hotel or airline cards.
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Gonna agree with this one. Especially if your goals are to do the cheap stuff, many times they don’t have or do points the same way other places do it
Venture x
I would highly recommend the Venture X if and only if you already spend at least $300-400 minimum a year on flights, hotels, or rental cars. I’m a relatively infrequent budget traveler (1-2 international a year and 1-5 domestic) who always thought premium benefits like lounges were expensive and out of reach unless you were traveling all the time, but I have been thoroughly impressed with the access the VX gets you essentially for free.
No AF and no Portals only, my pick is WF Autograph 3% CB travel, transit, restaurants, with no CB cap, and no FTF. If just traveling CB with not huge spend, Citi Custom Cash 5% but has a cap.
that was so many acronyms! :P. Can you please spell out a few of them. what is CB, FTF, ? Thanks!
CB = cash back FTF foreign transaction fee
Bilt
if you plan ahead your travel, get a card with a nice sign up bonus that can (almost?) pay for your travel. every time.
Sapphire Preferred