Best Rewards Cards for Travel
Going on a vacation is a wonderful way to take a break from the daily grind and explore new places. However, traveling can also be quite expensive. The good news is that you can make your travels more affordable by using a rewards card that offers travel rewards. But with so many rewards cards available, how do you know which one is the best for you? In this article, we will go over the best rewards cards for travel to help you find the one that suits your needs.
1. Chase Sapphire Preferred Card: This popular card is a great choice for travelers who want to earn maximum rewards without paying a high annual fee. With the Chase Sapphire Preferred Card, cardholders earn 2x points on travel and dining purchases and 1x point on all other purchases. The points are transferable to several airlines and hotel loyalty programs, allowing you to get the most value from your rewards. In addition, this card offers travel benefits such as trip cancellation insurance, baggage delay insurance, and trip interruption/cancellation reimbursement.
If you love to travel and experience new cultures, this card is a perfect fit for you. You can earn a sign-up bonus of 60,000 bonus points after spending $4,000 in the first three months of account opening. That’s worth up to $750 in travel when redeemed through Chase Ultimate Rewards®. You can transfer points to many airline and hotel loyalty programs such as United, Southwest, British Airways, Marriott, and more. Plus, earn unlimited 1 point per dollar on all other purchases.
If you frequently dine out and travel by air, the Chase Sapphire Preferred is an excellent card that offers high rewards rates. Also, the Chase Sapphire Preferred Card is a perfect choice for those who want a good travel card but don’t want to pay high annual fees. Additionally, they have added new benefits such as a DoorDash subscription, 5x points on Lyft rides, and a complimentary year of DashPass. If you are someone who values these benefits and traveling, the Chase Sapphire Preferred Card is right for you.
2. Capital One Venture Rewards Credit Card: The Capital One Venture Rewards Credit Card is another excellent card that you can use to earn travel rewards. With this card, you can earn 2x miles on every purchase you make. In addition, this card has no foreign transaction fees, which makes it a perfect choice for international travelers. The miles you earn with this card can be transferred to more than 10 airline partners, allowing you to get more value from your rewards.
Another advantage of the Capital One Venture Rewards Credit Card is that it comes with a welcome bonus of 100,000 miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. That equates to a value of $1,000 when redeemed for travel through Capital One’s travel portal, or transfer to over 15 of Capital One’s airline partners like Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, and more. Plus, for a limited time, earn up to $200 in statement credits for eligible United® purchases.
If you are looking for a steady and high return card, the Capital One Venture Rewards Credit Card is right for you. It offers excellent value for cardholders who travel frequently and want to earn rewards points without having to worry about bonus categories.
3. The Platinum Card® from American Express: The Platinum Card® from American Express is specially designed for travelers who value luxury and premium travel experiences. With this card, you can enjoy a range of exclusive benefits, including access to over 1,200 airport lounges worldwide, a $200 annual airline fee credit, and elite hotel status at certain properties.
The Platinum Card® from American Express also offers excellent rewards for travel spending, with 5x points on flights booked directly with airlines or with American Express Travel, and 5x points on eligible hotels booked with American Express Travel. You can also earn a welcome bonus of 100,000 Membership Rewards points after spending $6,000 on purchases within the first 6 months of account opening.
The Platinum Card® from American Express stands out from other travel rewards cards because of its premium benefits. If you are a frequent traveler who values luxury travel experiences and doesn’t mind paying a high annual fee, this card is perfect for you.
Choosing the best travel rewards card depends on your preferences and travel habits. Consider which benefits and rewards suit your style, whether you want to earn reward points quickly, and whether you’re willing to pay an annual fee. Take advantage of the different travel rewards cards by comparing them and choosing the one that fits your needs best. With a great travel rewards card, traveling can be both enjoyable and affordable.
Top Balance Transfer Cards for Debt Consolidation
For those people who have been struggling with credit card debts, having multiple balances at different interest rates makes it harder to manage finances and pay off the debts. Consolidating credit card debts with a balance transfer to a credit card with 0% APR offer can bring relief to those who are stuck in debt. The 0% APR allows people to pay off the balance without incurring additional interest charges, giving them a chance to focus on paying off the debt quicker. In this article, we’ll be discussing the top balance transfer cards for debt consolidation.
1. Citi® Diamond Preferred® Card
The Cit® Diamond Preferred® Card is one of the best balance transfer cards in the market. It offers an introductory 0% APR for 18 months on balance transfers, making it easier for people to tackle their credit card debts without incurring extra charges. After the introductory period, the APR goes to a variable rate of 14.74% – 24.74% depending on the creditworthiness of the applicant. With no annual fee, this card is a great option for people who want to consolidate their balances and pay off their debts without any additional cost.
2. Wells Fargo Platinum Card
Wells Fargo Platinum Card offers an introductory 0% APR for 18 months on balance transfers. This feature allows people who have accumulated credit card debts to consolidate their balances and pay off their debts without any additional expenses. Unlike other credit cards, the Wells Fargo Platinum Card does not offer any rewards or cashback, making it a great choice for people who prioritize debt consolidation. After the introductory period, the APR goes to a variable rate of 16.49% – 24.49%. The card also comes with no annual fee, making it an affordable option for those who want to consolidate their debt.
3. Discover it® Balance Transfer
Discover it® Balance Transfer offers a long introductory 0% APR of 18 months for balance transfers. This card also offers a cashback rewards program that allows cardholders to earn up to 5% cashback on purchases made in select categories during the year. After the introductory period, the APR goes to a variable rate of 11.99% – 22.99%. There are no annual fees, over-limit fees, or foreign transaction fees, making Discover it® Balance Transfer a great choice for people who want to consolidate their debt and earn rewards at the same time.
4. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card offers a great balance transfer with an introductory 0% APR for 15 months. After the introductory period, the APR goes to a variable rate of 14.99% – 23.74%. With no annual fee, this card is great for those who want to consolidate their debts and manage their finances. Additionally, this card offers a cashback rewards program where cardholders can earn 1.5% cashback on all purchases, making it a great option for people looking to earn rewards while consolidating their debts.
5. BankAmericard® Credit Card
BankAmericard® Credit Card offers an introductory 0% APR for 18 months on balance transfers. After the introductory period, the APR goes to a variable rate of 12.99% – 22.99%. With no annual fee, this card is a great balance transfer option, especially for those who already have an account with Bank of America. The card comes with additional perks such as overdraft protection and free access to your FICO score, giving cardholders the opportunity to help improve their credit score.
In conclusion, balance transfer cards can be a great solution for people who are struggling with credit card debts. Consolidating debts with a 0% APR offer can make it easier to manage finances and pay off debts without incurring additional expenses. When choosing a balance transfer card, it’s important to consider the introductory offer period, the APR after the introductory period, and any additional fees that might arise. By selecting one of the above cards, consumers can consolidate their balances and start to work towards becoming debt-free.
Best Cards for Building Credit
If you’re starting your credit journey, or if you have a poor credit score, it may be difficult to qualify for most credit cards, which can further harm your credit score. However, there are credit cards that are specifically designed to help consumers build or rebuild their credit.
1. Discover it Secured Credit Card
The Discover it Secured Credit Card is an excellent option for individuals looking to build their credit. With a minimum deposit of $200, you can open this card. Your credit limit is dependent on the amount of your security deposit. Your security deposit is refundable after you have closed your account, but you must pay your balance in full to receive it.
One benefit of the Discover it Secured Credit Card is that you earn cashback rewards. You earn 2% cashback, up to $1,000 every quarter, at restaurants and gas stations. You also earn 1% cashback on all other purchases. Additionally, Discover will automatically match all cashback rewards you earned in the first year of opening your account.
2. Capital One Platinum Credit Card
The Capital One Platinum Credit Card is ideal for individuals establishing their credit rating. It has no annual fee. A higher credit line may be possible if you pay on time during the first six months. To qualify for this card, you must have a score in the fair to average range.
The Capital One Platinum Credit Card additionally provides for the CreditWise facility, which enables you to monitor your credit report for any incorrect or fraudulent activity. Besides, the card also comes with fraud liability coverage.
3. Petal 2 Visa Credit Card
Petal 2 Visa Credit Card is ideal for those with limited or zero credit history. The card has no annual fee or security deposit requirements. Petal 2 Visa Credit Card features a sophisticated approval method that considers your banking and bill payment history rather than your credit score.
This card provides for excellent cashback opportunities and rewards. You can earn up to 1.5% cashback on all purchases, depending on how long you have had the card.
The Petal 2 Visa Credit Card also offers a unique “interest-free period” for account holders that pay their bill in full.
To sum it all up, when selecting a credit card to establish or reconstruct your credit rating, review the card’s conditions and benefits carefully. The above three credit cards are excellent in helping customers rebuild their credit ratings. Remember that repayment history is a crucial component of your credit score. Continuously making your payments on time and keeping a low credit utilization rate are easy, yet essential steps to improving your credit score.
Top Cash Back Credit Cards
When it comes to choosing a credit card, there are various options available in the market. However, choosing a card that fits your lifestyle is a must. If you are someone who prefers to earn cash back rewards for your purchases, cash back credit cards are your best bet. These credit cards reward you for making purchases with cash-back offers, which are a percentage of your spending. Below, we have listed the top cash back credit cards to help you make an informed decision.
1. Chase Freedom Unlimited
The Chase Freedom Unlimited credit card is perfect for people who want to earn cashback rewards on all purchases, every day. You can earn an unlimited 1.5% cash back on all purchases. Additionally, you can earn a $200 bonus after making $500 in purchases within your first 3 months of opening the account. Furthermore, this credit card has no annual fee, making it a perfect option for those who don’t want to pay annual fees.
2. Citi Double Cash Card
The Citi Double Cash Card is an excellent option for those who want to earn cash back on every purchase they make. You can earn up to 2% cash back on all purchases, 1% when you buy and 1% when you pay. Additionally, you will have the opportunity to earn a $100 cashback bonus after you spend $500 within the first three months of opening the account. Moreover, there is no annual fee to use this card.
3. Discover it Cash Back
The Discover it Cash Back credit card offers various cashback rewards to the cardholders. You can earn a 5% cashback bonus on everyday purchases, which rotates every quarter. Some of the cashback offers under this credit card include purchasing on groceries, restaurants, gas stations, and online shopping. Furthermore, you will be able to earn a dollar-for-dollar match of all cashback earned in your first year of ownership. Lastly, this credit card does not have an annual fee.
4. Blue Cash Preferred Card from American Express
The Blue Cash Preferred Card from American Express offers various cashback rewards to cardholders, which includes 6% cashback at U.S. supermarkets, up to $6,000 per year in spending. You will also earn a 6% cashback on some select U.S. streaming subscriptions, 3% cashback at U.S. gas stations and transit. Additionally, you can earn $300 cash back after spending $3,000 on purchases within the first six months of opening the account. This card also has an annual fee of $95, but if you frequently shop at supermarkets or use streaming subscriptions, this card could save you a lot of money.
These are the top cash back credit cards offered in the market that could help you earn rewards for purchases that you make daily. Choose the card that fits your lifestyle the best and start earning cashback rewards today!
Premium Credit Cards with Exclusive Perks
When it comes to credit cards with exclusive perks, premium cards are often the first to come to mind. These cards often come with high annual fees, but with that come a variety of benefits that can make the fee worth it. Here are five premium credit cards with exclusive perks:
Chase Sapphire Reserve
The Chase Sapphire Reserve is a popular premium card for travelers. It comes with a $300 annual travel credit, which can be used for things like flights, hotels, and car rentals. In addition, cardholders receive a Priority Pass Select membership, which gives access to over 1,000 airport lounges worldwide. Cardholders can also earn 3x points on travel and dining purchases and receive a statement credit for Global Entry or TSA Precheck applications.
American Express Platinum Card
The American Express Platinum Card is another popular premium card with exclusive perks. This card comes with a $200 airline fee credit that can be used for things like baggage fees, in-flight meals, and seat upgrades. Cardholders also receive a Priority Pass Select membership, as well as access to Amex’s Fine Hotels & Resorts program. The card earns 5x Membership Rewards points on flights booked directly with airlines or through Amex Travel, as well as 5x points on eligible hotels booked through Amex Travel.
Citi Prestige Card
The Citi Prestige Card is a premium card that offers a variety of travel benefits. Cardholders receive a $250 travel credit each calendar year, as well as a complimentary fourth-night hotel stay when booking through ThankYou.com. The card earns 5x ThankYou points on air travel and dining purchases, as well as 3x points on hotels and cruise lines. Cardholders also receive a Priority Pass Select membership.
U.S. Bank Altitude Reserve Visa Infinite Card
The U.S. Bank Altitude Reserve Visa Infinite Card is a newer premium card that comes with a variety of travel benefits. Cardholders receive a $325 annual travel credit that can be used for things like flights, hotels, and car rentals. In addition, cardholders earn 3x points on travel and mobile wallet purchases, and 1x points on other purchases. The card also comes with a Priority Pass Select membership.
Wells Fargo Propel American Express Card
While the Wells Fargo Propel American Express Card might not have as high of an annual fee as some of the other cards on this list, it still comes with a variety of exclusive perks. Cardholders earn 3x points on dining, travel, and popular streaming services, as well as 1x points on other purchases. The card also comes with a $600 cellphone protection plan, a free FICO credit score, and 0% APR for the first 12 months. Cardholders can also receive a complimentary subscription to premium streaming services like Netflix and Spotify.