Good Card for Travel?

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Whatamuji
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Good Card for Travel?

Postby Whatamuji » Fri Jun 05, 2015 12:40 am

I'm sure this question has been asked on this forum before but I thought I'd ask it again with my personal preferences. I'm looking for a card that offers good rewards for mostly hotel stays and perhaps airplane tickets however I don't really fly much except when I go to Europe, however that doesn't happen on a consistent basis. I do purchase hotel stays through sites like Expedia and Hotels.com and tend to stay at Best Western and Comfort Inn alot. Any suggestions on a good card for me?
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k


Vermonster
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Re: Good Card for Travel?

Postby Vermonster » Fri Jun 05, 2015 9:23 am

I think a general travel card like the Chase Sapphire Preferred or Amex Every Day Preferred would be your best bet (assuming you spend a decent amount on Gas). Heck even both would be a good option as they don't overlap much in terms of rewards.
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kdm31091
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Re: Good Card for Travel?

Postby kdm31091 » Fri Jun 05, 2015 9:37 am

Vermonster wrote:I think a general travel card like the Chase Sapphire Preferred or Amex Every Day Preferred would be your best bet (assuming you spend a decent amount on Gas). Heck even both would be a good option as they don't overlap much in terms of rewards.


I would agree a more general card sounds like the right fit here. If you are going to use it as your "main spending" card, the Every Day Preferred can be good but you have to be willing to not use your other cards as much (since you need, what is it, 30 swipes a month for the bonus points on the Every Day?) As a main spend card it's great if you want travel redemptions.

Chase Sapphire Preferred is a good option assuming you will spend enough after the bonus to justify the $95 AF. You'd be surprised how many people overlook that. It takes a fair amount of spend to overcome the AF and again you have to basically use it as your main card.

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CarefulBuilder14
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Re: Good Card for Travel?

Postby CarefulBuilder14 » Fri Jun 05, 2015 9:53 am

Vermonster wrote:I think a general travel card like the Chase Sapphire Preferred or Amex Every Day Preferred would be your best bet (assuming you spend a decent amount on Gas). Heck even both would be a good option as they don't overlap much in terms of rewards.

The OP's current credit limits look a bit low for a CSP. There are a lot of reports of Chase declining people for CSP because applicants lack experience with cards in the $5k CL range, and CSP has a minimum $5k starting CL.

I like EDP, but it only makes sense if you're spending a lot in general (or a more moderate amount on gas and groceries).

For domestic travel, use your Discover as much as possible. Sign up for double rewards and use the Discover Deals portal for extra savings on (some) Hotels.com offers. A few other travel websites offer extra cash back though a Discover portal.

The best card for international travel will depend more on the specifics of where you're going and which airline(s) you expect to fly.
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Whatamuji
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Re: Good Card for Travel?

Postby Whatamuji » Fri Jun 05, 2015 11:34 am

I don't plan on getting a travel card for another couple of years as I'm still in College so I don't have a need for one. Just curious about options is all. I like to fly on British Airways on those rare summers I go to the UK. I saw that BA has a card but didn't know if it was any good. Plus I'm sure the AF is not for me at the moment.

@Carefulbuilder: I always overlook the Discover Deals portal, I'll have to look at it a bit closer next time I do some shopping. However I definitely take advantage of Discover's cashback every chance I get as it's my primary card.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

Whatamuji
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Re: Good Card for Travel?

Postby Whatamuji » Sat Jun 06, 2015 2:06 am

What are ya'lls thoughts on the Best Western credit cards. They were supposedly pretty bad when Barclays was underwriting them however they've been acquired by FNBO and I hear good things from FNBO. It looks like however you can use your American Express membership points towards Best Western Hotel stays. So now I'm kinda torn between the two.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

takeshi
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Re: Good Card for Travel?

Postby takeshi » Tue Jun 09, 2015 8:37 am

Whatamuji wrote:Any suggestions on a good card for me?

Requirements are too vague. Wanting to travel doesn't mean that a travel card is the best fit. Spend categories and volumes matter. Travel cards generally require larger amounts of spend. Lower spend is generally better suited to cash back cards. You definitely have to run the numbers for your spend and look at how long it would take you to accrue the rewards you're looking for.

Additionally, for many travel rewards programs value of rewards is greatly impact by redemptions so you have to carefully look at them. You'd need to tell us which travel companies you'd redeem with for such programs.

Vermonster wrote:I think a general travel card like the Chase Sapphire Preferred or Amex Every Day Preferred

Here's an example. Can the OP leverage the UR travel partners to maximize UR point value? Can the OP leverage the MR transfer partners to maximize MR point value? UR points can be redeemed for cash back at 1 cent per point but MR points are worth much less for cash back. Again, you can't just look at earn rates but need to consider redemptions as well.

Whatamuji wrote:I saw that BA has a card but didn't know if it was any good.

Whatamuji wrote:What are ya'lls thoughts on the Best Western credit cards.

How often do you use these specific brands? Generally speaking, cobranded cards can be of benefit if you use the brands quite a bit. If you tend to use multiple brands then a more general card may be better suited to you.

For example, I live in a United fortress hub city so the United MileagePlus Explorer is easily a good fit for me since I always fly on United. I don't stay at any one hotel chain enough to justify a hotel card for myself. Since UR transfers 1:1 to United I can also leverage UR cards like the CSP, Freedom and Ink for reward travel with United.

Whatamuji
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Re: Good Card for Travel?

Postby Whatamuji » Tue Jun 09, 2015 12:26 pm

When I do travel once or twice a year it's as of late been 3-4 weeks at a time and most of my hotel stays are at Best Western. If I were to get a CSP or ED/EDP I'd be the redeeming points on hotel bookings (Hotels.com, Expedia, etc.) and on Hotel stays (Best Western primarily, Holiday Inn, Hampton Inn, Comfort Inn, Laquinta).
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k



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