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Hi I have a credit score of 810. I am a business owner, no employees, with travel throughout the year on American and Alaska airlines. I want a card to use only for travel expenses that will give me reward miles that I can use for family vacations. What do you recommend?

- Asked Sep 12 , 2017

 

With a score in the 800s, your credit is considered "excellent" and you have a great chance of getting approved for any travel rewards credit card you want. Since you frequently travel on American Airlines, you should consider the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® which offers extra miles and perks with American Airlines. However, you should also compare cards that offer more flexible travel rewards that can be redeemed with any airline or hotel. A few of the most popular choices are the Capital One Venture Rewards Credit Card, the Chase Sapphire Preferred Card, and the Bank of America Travel Rewards.

 
 

I m planning on making a large purchase and would like to maximize travel points to be combined with my current Delta sky miles. Ultimate goal is to use all the Delta points to buy two tickets. Chase Sapphire has great bonus, but can my current delta points be combined?

- Asked Jun 10 , 2017

 

The Chase Sapphire Preferred Card is certainly one of the top travel rewards credit card available today and it comes with an incredible sign up bonus. Unfortunately, there is no way to "combine" your Delta SkyMiles with the Chase Ultimate Rewards points that you earn with the Chase Sapphire Preferred.

 
 

Looking for the best card for our family. Want a reward travel card but also a card that would be ideal for groceries and gas. Whats our best option? My husbands credit is around 650 and also looking to raise his credit as well.

- Asked May 15 , 2017

 

There are numerous travel rewards credit cards that could be a good fit for your situation. The Discover it Miles card may be the best option at this time as it offers unlimited 1.5x Miles per dollar on all purchases and you pay no annual fee. Unlike many top travel rewards credit cards, you don't need to have Excellent credit to get approved for the Discover it Miles.

 
 

I have the Chase United Mileage card. I pay off my credit card every month. I spend close to $100,000 each year on my card. Most of that is general life expenses (groceries, gas, clothing, restaurants, travel, house hold items, and furniture). I want to maximize my spending for points for travel and I would prefer not to be handcuffed with one airline like I am not for my Chase United Mileage plus card. Which card would you recommend?

- Asked Apr 13 , 2017

 

There are a number of excellent travel rewards credit cards that offer great flexibility in how you can redeem your miles and points. One popular card is the Chase Sapphire Preferred Card. The points you earn with this card can be redeemed in many different ways including transferring them 1 for 1 to a handful of airline frequent flyer programs and hotel loyalty programs. If you're looking for even more flexibility in how you redeem rewards, check out the Capital One Venture or the BankAmericard Travel Rewards credit cards. With these cards, you can redeem rewards towards purchases with any airline or hotel with no restrictions or blackout dates!

 
 

Hi, my credit score is 715 and I want to earn miles to take a trip to Europe. What would be best for me?

- Asked Dec 2 , 2016

 

With a credit score of 715, your credit is considered good and it's getting close to being considered "excellent". When trying to accumulate credit card points or miles for a big trip, it's important to stay flexible. For this reason cards like the Capital One Venture or the Discover it Miles would be a good fit for you. The miles you earn with these credit cards can be redeemed for purchases with any airline and there's no blackout dates. Also, these cards are generally available for consumers in your credit range.

 
 

What is the best credit card for foreign travel? I have Chase Freedom, Citi Dividend, Discover. Thank you

- Asked May 24 , 2016

 

Of the cards you have, Discover is the only one that doesn't charge a foreign transaction fee. However, Discover cards are typically not accepted overseas. If you're going to be doing lots of travel overseas, you should open a new credit card that is a Visa or MasterCard that has no foreign transaction fees. The BankAmericard Travel Rewards Card offers no annual fee and flexible travel rewards. You'll earn 1.5 points per each $1 purchased and offers a sign up bonus of 20,000 points when you spend $1,000 within the first 90 days. You won't be limited to where you redeem your points on travel. For an even better rewards rate, the Capital One Venture earns 2X miles per dollar and offers a sign up bonus of 40,000 miles once you spend $3,000 in the first 3 months. Both the Bank Americard Travel Rewards and Capital One Venture are Visa credit cards with no foreign transaction fees. 

 
 

which is the best travel credit cards. I only fly in USA. Like to earn points

- Asked May 19 , 2016

 

I'd recommend the Chase Sapphire Preferred because you can transfer points to Southwest and United, or flights for 1.25 cents per point through the Chase Ultimate Rewards. This card also offers a sign up bonus of 50,000 points when you spend $4,000 in the first 3 months and rewards rates of 2X the points on travel and dining plus 1 point on all other purchases. The annual fee is waived in the first year but is $95 after that. The Capital One Venture card is another great option because you can shop for the cheapest ticket and redeem with any airline with no blackout dates. There's a sign up bonus of 40,000 miles when you spend $3,000 in the first 3 months and a rewards rate of 2X the miles on every purchaes. Simlar to the Sapphire Preferred, the annual fee is waived the first year and is $59 after that. If you want a card with no annual fee, the Bank of America Travel Rewards card offers no annual fee, a sign up bonus of 20,000 points if you spend at least $1,000 in the first 90 days, and a rewards rate of 1.5 points per $1 spent. 

 
 

Looking for an airline card with free baggage, low interest rate, high rewards points and low fees. I fly an average amount per year. List cards you recommend. My credit score is 600-650. Thank you!

- Asked May 17 , 2016

 

You have fair credit and unfortunately that will not qualify you for the best travel cards. Consider the Capital One QuicksilverOne Cash Rewards Credit Card. This card offers 1.5% cash back on every purchase, has no foreign transaction fees, and a $39 annual fee. With responsible use (i.e. paying the bill on time and not carrying a balance) of the QuicksilverOne your credit score will improve and have the opportunity to switch and upgrade to the Capital One Venture Rewards Credit Card. With this card you'll earn 2X the miles on every purchase and offers a generous sign up bonus. 

 
 

Looking to acquire a credit card which will allow me to acquire benefits for traveling. What is the difference between cards that offer "Points" vs. "Miles? And which one would be better?

- Asked May 16 , 2016

 

Points can be redeemed for various items and services while miles tend to be slightly more restrictive and are typically redeemed for airline tickets. It's not necessarily that points or miles are better than each other, rather it's what best fits your needs. If you're looking for miles in order to save on airline tickets, a specific airline branded card such as the United Mileage Plus Explorer Card is a great option if you're frequently flying United. Some credit cards such at the Discover It Miles Card offer miles that function more as points and can be redeemed for airline tickets and more. Make sure to check out our blog post that further details the best travel rewards credit card for each consumer need.

 
 

does citi diamond preferred credit card charge a foreign transaction fee and ifyes, what is it. Thank you

- Asked Mar 13 , 2016

 

Yes, the Citi Diamond Preferred Card changes a 3% foreign transaction fee. Check out our page for no foreign transaction fee credit cards to see all the best options for using your credit card abroad!

 
 

what card is the best for purchase out the United States. No charge for foreign transactions.

- Asked Mar 5 , 2016

 

Most travel rewards credit cards will come with no foreign transaction fees. Also, there are no foreign transaction fees on any Capital One credit cards or Discover credit cards.

 
 

I have had the same credit card for years. Now that I travel more, I would like a card that allows me to earn miles for my purchases. Since I am new to this game, do travel or mileage cards only pay when you use it to pay for travel or hotels and meals? Can I use the card for monthly expenses, such as rent?

- Asked Feb 13 , 2016

 

Rewards credit cards will give you rewards on every dollar you spend, not just on the money you spend on travel. However, most credit cards have bonus categories where you will earn extra points or miles for your spending in certain categories. If you pay your balance off in full each month, it would definitely be in your best interest to use a rewards credit card for all of your monthly expenses. Not all landlords will allow you to pay rent with your credit card, but if yours does, then it would be a great way to earn rewards as long as there is not an exuberant fee associated with it.

 
 

Hi Jason, This was on Yahoo main page on Sat. Dec. 12, 2015 : Get 0% intro APR for 21 Months or 100k Bonus Miles Credit card companies are now offering 0% intro APR until September 2017. Easily compare rewards & fees. Earn 100k bonus miles or get 6% cash back! I clicked on it and can't find the card that offers the 100k Bonus Miles! Can you tell me which one it is? Thanks, Pat

- Asked Dec 12 , 2015

 

The British Airways Visa Signature card from Chase offers new customers up to 100,000 bonus miles. You can earn 50,000 bonus Avios after you spend $2,000 on purchases in the first 3 months of account opening, plus an additional 25,000 bonus Avios when you spend $10,000 on purchases or 50,000 bonus Avios when you spend a total of $20,000 on purchases within your first year. There is a $95 annual fee for this card.

 
 

I currently use the SPG card, but I want a card that gives me even better rewards value. I have excellent credit. Does a card like this exist?

- Asked Sep 28 , 2015

 

The Starwood Preferred Guest card from American Express is one of the top reward cards offered as it offers points that can be used for both free hotel nights or transferred to airlines. Other competing cards include the Chase Sapphire Preferred, which offers Ultimate Rewards points that can be transferred to airline and hotel programs, as well as numerous American Express cards that offer Membership Rewards points. Which card is the most valuable will depend on the type of travel you do, and which of their point transfer partners are ideal for your needs.

 

 
 

I have not had a credit card in over ten years. I find that I need one to rent a car etc while traveling in Europe. I will pay off the balance every month. What card will allow me to waive car rental insurance in Ireland?

- Asked Jun 25 , 2015

 

Nearly all credit cards will offer rental car collision damage waiver coverage that is valid in most countries. Unfortunately, Ireland is a country that is often excluded from such policies for some reason. Thankfully, there are some cards that do not list Ireland as part of their territorial exclusions. For example, most MasterCards issued by Citi no have worldwide rental car coverage. Citi Double Cash card is a good option for you, since it offers worldwide coverage for rental cars, as well as 2% cash back on all purchases. Sadly, it does have a 3% foreign transaction fee, so renting a car will ultimately cost you an additional 1%, but that is a small price to pay compared to the much more expensive cost of the insurance offered by rental car companies. There is no annual fee for this card.

 
 

1. I travel a lot and when I got my United card I also received two one time passes to United Club. Will I get one from Citi? 2. Can I pay my monthly bills to get my $3,000.00 minimum spend? Please tell me what cannot be used for the $3000. Meaning, can I pay off another card? What bills can't I pay to make the sum by date given?

- Asked May 27 , 2015

 

Citi offers its Citi AAdvantage Platinum Select, but it does not feature passes to the American Airlines Admiral's Club lounges, like the United Explorer card does. With this card, you do receive 30,000 American AAdvantage miles after you spend $3,000 on the card within three months of account opening. You only have to make $3,000 of purchases during that time period, even if you choose to carry a balance and pay it off later. Unfortunately, balance transfers do not count towards the minimum spending requirement, only net new purchases.

 
 

Is there a buyer protection benefit with my Alaska Airlines Visa?

- Asked Apr 30 , 2015

 

There are three versions of this particular credit card. The card that comes with the $75 annual fee is a Visa Signature Card, which comes with two programs for protecting your purchases, Warranty Manager Service and Purchase Security. These programs reimburse cardholders in the event of theft or damage on eligible items within 90 days from date of purchase. The Warranty Manager service will extend the manufacturer's coverage on eligible items for up to one year.

 
 

I am planning to go on a 3 week vacation. All my credit cards will be paid off by then and I would like to know if it would be wise to put $200 on each card I plan to use while on vacation to have a head start on payback?? And if it is a good idea, will it be better to add $500 to each? Is there a maximum I can add to them before I leave. By the way this will be a car trip.

- Asked Apr 17 , 2015

 

There is no reason to make payments to your credit cards before you make charges. The only possible way this makes sense is if you will have no means of making payments while you are away on vacation. While this may have been the case many years ago, today every bank offers some form of online payment option that you can initiate from a computer, tablet, or smartphone, even when you are on a road trip.

 

So unless your car trip is taking you completely off of the communcations network, I suggest making note of all of your credit card payment due dates, which by law have to fall on the same day of the month, every month. Then, about a week before each payment due date, take a few minutes out of your vacation to examine your charges online and schedule a payment from your bank.

 

Finally, there have been cases where banks do not like consistent overpayments to credit card accounts. A few hundred Dollars is probably not enough to trigger their suspicion, but several thousand dollars might. So the best policy is to keep your money in your savings or checking account until your payments are due.

 
 

Hello Jason, my name is Patrick, I have an excellent credit, and I am now using The Capital One Venture card for the miles. I want to have a second card, and I can't decide. I like to receive a good amount of points or miles when I sign up spend $3,000 dollars the first 3 months. Is there some other card you can recommend me like that. I always pay my full balance and it will be more to save some money on my next vacation with my girlfriend. Which card would you recommend and why? Thank you so much for your help and excellent webpage!!!!!

- Asked Apr 3 , 2015

 

Good for you for having excellent credit and paying your monthly statement balances in full. The Capital One Venture Rewards card is an excellent card, and there are many other competing cards offered. The Barclaycard Arrival Plus is a very similar card, that is offering 40,000 bonus miles, worth $400, after new cardholders spend $3,000 within three months of account opening. Another great card is the Citi AAdvantage Platinum Select MasterCard. It offers 50,000 miles after new cardholders spend $3,000 within three months of account opening. Finally, the Chase Sapphire Preferred offers 40,000 points after new cardholders spend $4,000 within three months of account opening. These points can be transferred to airline and hotel programs, or redeemed for $500 worth of free travel.

 
 

I'm looking for the best travel rewards card to book a trip to Europe. Should I go with a a card that offers miles towards a statement credit (like the Capital One Venture), or a card with an airline loyalty program (like the Citi AAdvantage Platinum Select)?

- Asked Mar 17 , 2015

 

These two types of credit cards are competing for traveler's wallets, and the best card for you will depend on how you plan on traveling to Europe. If you live on the east coast, and will travel in economy class, then there are many low fares available to Europe, especially if you will not travel during the peak summer season. These low fares will favor a card that offers statement credits, such as the Capital One Venture or the Barclaycard Arrival Plus. For example, spending $50,000 on either of these cards will earn 100,000 points, which will earn you a $1,000 statement credit, which may be enough to travel to Europe, round-trip, in economy class. Yet during the peak season, or flying from the west coast, it can cost as much as $2,000 for a flight, requiring twice the miles. Thankfully, both these cards currently offer a 40,000 mile sign-up bonus, which is worth $400 towards this trip.

 

If on the the other hand, you are traveling from the west coast or in the peak season, you might find it easier to earn frequent flier miles. The Citi AAdvantage Platinum Select MasterCard card that you mentioned is currently offered with a 50,000 mile sign-up bonus, and American only requires 60,000 miles for a round-trip award flight to Europe. Better yet, a business class flight that costs $4,000 - $6,000 dollars, is only 100,000 miles, which offers more value per mile.

 

The advantage of the cards that offers statement credits is that you can choose any flight on any airline, and it costs one mile per penny. With frequent flyer miles, you will need to be flexible and plan your flights far in advance in order to find award seats to your destination.

 
 

I see that many airline credit cards offer cardholders a free checked bag. Will I still receive this benefit if my ticket is purchased by someone else, such as my employer, or do I have to use that credit card to book the ticket?

- Asked Jan 22 , 2015

 

This is a common question, and one that the airlines and card issuers don't often spell out very clearly. In most cases, once you open a credit card account, the airline will have that information associated your frequent flier number, so that any time you are flying and you use your frequent flier number, the check-in agents will be aware of your free checked baggage allowance, regardless of how the ticket was paid for. In fact, many of these airline credit cards will even extend this checked baggage fee waiver to multiple companions traveling with the cardholder on the same reservation and to travelers who book award flights with their frequent flier miles. 

 

The primary exception to this rule is with United Airlines, which will only extend their credit card's checked baggage fee waiver when the traveler uses his or her United MilagePlus Explorer Card to purchase the ticket. Thankfully, this benefit will also apply to frequent flier mileage awards, so long as the traveler uses a MileagePlus credit card to pay for any taxes and fees.