Maximizing Your Travel Rewards: The Best Credit Cards for Earning Points

Traveling can be an expensive hobby, but with the right credit card, you can earn points that can be used to offset or even eliminate some of those costs. Choosing the right credit card can be overwhelming, but we’ve done the research to help make your decision easier. In this blog post, we’ll take a look at some of the best credit cards for travel points, and explain why they may be the right choice for you.

Chase Sapphire Preferred

The Chase Sapphire Preferred is a popular choice for those looking for a travel rewards credit card. This card offers 60,000 bonus points after you spend $4,000 on purchases within the first three months of opening the account. These points can be redeemed for $750 worth of travel through Chase Ultimate Rewards.

Additionally, the Chase Sapphire Preferred offers two points per dollar spent on travel and dining at restaurants, and one point per dollar on all other purchases. This means that if you spend a lot on dining and travel, you can earn points very quickly. The card also offers benefits such as trip cancellation insurance, trip interruption insurance, and primary car rental insurance.

The Platinum Card from American Express

If you’re looking for a high-end travel rewards credit card, The Platinum Card from American Express may be the right choice for you. This card offers 75,000 Membership Rewards points after you spend $5,000 on purchases within the first six months of opening the account. These points can be redeemed for travel through Amex’s travel portal or transferred to one of their airline or hotel partners.

The Platinum Card from American Express offers five points per dollar spent on flights booked directly with airlines or through American Express Travel, and five points per dollar spent on prepaid hotels booked through Amex’s travel portal. The card also offers a $200 airline fee credit, access to airport lounges through the Global Lounge Collection, and a statement credit for TSA PreCheck or Global Entry.

Capital One Venture Rewards

The Capital One Venture Rewards card offers two miles per dollar spent on every purchase, every day. These miles can be redeemed for travel through Capital One’s travel portal at a rate of one cent per mile. This means that if you spend $3,000 on the card within the first three months of opening the account, you’ll earn 60,000 miles, which can be redeemed for $600 worth of travel.

Additionally, the Capital One Venture Rewards card offers benefits such as travel accident insurance, 24-hour travel assistance services, and auto rental collision damage waiver. And, unlike some other travel rewards cards, there are no blackout dates or restrictions on when you can redeem your miles.

Conclusion

Choosing the right credit card can be a game-changer when it comes to earning travel rewards. The Chase Sapphire Preferred, The Platinum Card from American Express, and the Capital One Venture Rewards card are all excellent options for those who want to earn points and miles that can be used for travel. Be sure to consider your spending habits and travel preferences when choosing a card, and remember to always pay off your balance in full each month to avoid interest charges. Happy travels!

Best Credit Cards for Business Travel

Introduction

Business travel can be expensive, but using the right credit card can help you save money and earn rewards. With so many options available, it can be tough to know which credit cards are best for business travel. In this blog post, we’ll take a look at some of the top credit cards for business travel and explore their benefits and drawbacks.

Rewards Programs

One of the most important factors to consider when choosing a credit card for business travel is the rewards program. Many credit cards offer rewards points or cash back for purchases, but some cards are more generous than others. The Chase Sapphire Preferred card, for example, offers 2 points per dollar spent on travel and dining, as well as a generous sign-up bonus. The American Express Gold Card offers 4 points per dollar spent at restaurants and on certain travel purchases, while the Capital One Venture Rewards Credit Card offers 2 miles per dollar spent on all purchases.

Travel Benefits

In addition to rewards, many credit cards offer travel benefits that can help you save money and stay comfortable on the road. The Citi Prestige card, for example, offers a $250 annual travel credit, as well as access to airport lounges and a complimentary fourth night at any hotel. The Platinum Card from American Express offers access to a global network of airport lounges, as well as a $200 annual airline fee credit and a credit for TSA PreCheck or Global Entry. The United Explorer Card offers priority boarding, free checked bags, and two United Club passes per year.

Fees and APR

While rewards and travel benefits are important, it’s also crucial to consider fees and APR when choosing a credit card for business travel. Some cards charge annual fees that can run into the hundreds of dollars, while others have high interest rates that can quickly add up. The Capital One Spark Miles for Business card, for example, has no annual fee for the first year and a competitive APR, making it a good choice for business owners looking to keep costs low. The Delta SkyMiles Platinum Business American Express card, on the other hand, charges a $250 annual fee and has a higher-than-average APR.

Conclusion

Choosing the right credit card for business travel can help you save money and earn rewards, but it’s important to do your research and choose a card that meets your specific needs. Consider factors like rewards programs, travel benefits, fees, and APR when making your decision. With so many great options available, you’re sure to find a credit card that’s perfect for your business travel needs.

If you’re considering getting a credit card for either travel or business travel purposes, it’s important to understand the benefits and drawbacks of each option. While travel rewards credit cards can help you save money on flights and hotels, business travel credit cards offer benefits like airport lounge access and priority boarding. Additionally, some credit cards offer rewards programs that are more generous than others, so it’s important to do your research and find a card that aligns with your spending habits and travel preferences.read more https://www.forbes.com/advisor/credit-cards/best/airline/

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