Best reward card for work travel expenses?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
6 posts
Viajeque
Green Member
Green Member
 
Posts: 8
Joined: Sun Jul 08, 2012 5:07 pm
Location: Houston

Best reward card for work travel expenses?

Postby Viajeque » Thu Jul 12, 2012 12:56 pm

Guys,

I travel a lot overseas (every 2 weeks) and I have a company's credit card to pay for expenses. I could use my own to take advantage of the rewards. I spent the most on restaurants, hotels and transportation.

What rewards card would you recommend for international travel?

I am also in the process of re-building my only one secured card at the moment. So for a 650 FICO score what would you recommend?

Thanks


Money card
Centurion Member
Centurion Member
 
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Sun Jul 15, 2012 12:42 am

1 question - does your company take your points for your business expenses, when you use their card? for example if the card is 1 point per dollar, let's say that your hotel bill is $450.00 for the month, does your company keep the 450 points or do they give you the points?

If they give you the points this sounds like a great deal for you, they pay for your restaurants, hotels, airfare any transportation example limo ride to the airport, they pay for your foreign transaction fee and annual fee if there is 1, sounds like a great deal to me.

But if they keep the points I can understand you wanting your own credit card.

What does your company say? if your sitting at a lounge and you want to use your own credit card for a couple of drinks that's fine but what about airlines, hotels and restaurants do they want you using there company card or are you aloud to use your own personal?

if they say you can have whatever you want.

the chase sapphire perfered you get 2 points per dollar spent on gas, restaurants and travel car rentals , airline tickets, hotels. you get concierge service, so let's say your flying from Houston to Chicago and your staying at the Marriott marquee, you need dinner reservations at Joes steakhouse across the street there would be a number to call and the concierge service will help you out. there's no foreign transaction fee. the annual fee is free for the first year after that there is a 95.00 on the preferred.

the capital1 venture card blue version is 2 miles per dollar spent on every thing you also get concierge service, they help get tickets for sporting events, they maybe expensive, dinner reservations hotels airlines . however with them you have to have a checking account to apply for a card in the bank. if you call or fill out a short forum then that's different, the other problem is when redeeming you have to have all miles or none at all. for example let's say you have 25,000 miles and your next business trip you wanted to use your miles, but your airline ticket is 500.00 obviously you would be short you can't use your miles and pay the rest with this card, there's no breaking up. there'sno foreign transaction like the chase sapphire. it too is free for the first year after that there is a 59.00 annual fee.

now since you travel on business there are quite a few airline and hotel cards that are for more executives . from American express there's the Delta cards the reserve which gives medalion qualifying miles, on delta or any delta owned property you get 2 points per dollar spent, free checked bags, concierge service airport lounge except united, continental and jet blue. free room up grades, I would imagiane no foreign transaction fee. the annual fee is 450.00.

the Gold delta is a great card obviously you don't get airport lounge service no concierge service there is a foreign transaction fee of 2.7 percent per transaction. 2 points per dollar spent on delta owned property .you get up to 9 checked bags per group for free on the airline ticket that's charged on the delta cards. annual fee free for the first year after that a 95.00 annual fee.

the chase united is also a good card this card from what I have heard gets airport lounge but only at continental or united. not sure about foreign transaction fees there might be there might not be. on owned united property you get 2 points per dollar. the Marriott you get free room upgrades any thing owned by the Marriott you get 2 points per dollar. the chase cards come with concierge service.

My friend and accountant has the starwood preferred guest card, he loves the card. so any starwood property like a best western or a Sheraton you get points plus amenities you would have to call to see how the different level cards work.

Citibank has 2 nice cards the thank you premiere with there perk they give you 2 free airline tickets once a year how ever it's only in the Us I believe you get 2 points per dollar spent on gas and restaurants. they also have concierge service .

the card I see a lot of people using is the american airlines citibank card I've seen people using this card at LL bean paramus park, BJs and wal mart obviously this is a very good card for business travel. not sure about any foreign trans action fees on the citi cards.

the annual fee for the thank you premier is free for the first year then 125.00 for the American airlines free for the first year and after that I think the annual fee is 85.00 obviously you get concierge service on both. so here are some cards to think about and look into.

Viajeque
Green Member
Green Member
 
Posts: 8
Joined: Sun Jul 08, 2012 5:07 pm
Location: Houston

Postby Viajeque » Thu Jul 19, 2012 4:29 am

Wow thanks a lot for the detailed information. Regarding your question, I have a company's card but I rather used my own and get the benefits out of the spending. I will expense the charges anyway. I think like the Saphire the best, my plan is to combine the Freedom and the Saphire in the near future.

jeffysdad
Centurion Member
Centurion Member
 
Posts: 875
Joined: Thu Apr 30, 2009 2:32 pm
Location: Texas

Postby jeffysdad » Thu Jul 19, 2012 7:41 am

Viajeque, I'm in Houston, too. There are Chase banks all over my part of town, maybe yours. If you bank at Chase, then the Freedom/Sapphire would make things simpler.

I would also consider cards with no foreign transaction fees (Sapphire preferred, for instance). There's another thread on here about these cards.

Amex might offer travel benefits that appeal to you. It also might be the most likely to offer tools to sort/separate your expenses for reporting purposes. I don't know about that.

If your company is sending you to the same places, you're probably flying one or two airlines. You might consider an airline-branded card, particularly if it gives you access to club lounges.

I'm guessing you're in the energy biz. If you don't mind confirming that, would you mind saying where you travel most?
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

Ratfacedudeguy
Centurion Member
Centurion Member
 
Posts: 362
Joined: Wed May 30, 2012 8:10 pm
Location: Baltimore

Postby Ratfacedudeguy » Thu Jul 19, 2012 8:06 am

The only thing to keep in mind with these recommendations is that your present score will more than likely be a prohibitive factor when deciding to pursue these options.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

Money card
Centurion Member
Centurion Member
 
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Fri Jul 20, 2012 12:57 am

Viajeque you know 1 thing the Chase Freedom is a cashback card, basically meant for people who like to shop?



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 2 guests