When you decide to travel, it makes a lot of sense to get a credit card that offers you travel reward points. You can earn points that you can redeem at any time for anything you wish. Here are some of the top cards offering this type of rewards.
Chase Sapphire Preferred
If you’re looking for a new travel rewards credit card, consider the Chase Sapphire Preferred. The card offers flexible points, purchase protection, and other benefits. It is one of the best cards for those who travel frequently.
The Chase Sapphire Preferred offers a welcome bonus of 60,000 points. This can be redeemed for $750 worth of travel, depending on your spending. You can also earn additional points through the Ultimate Rewards travel portal.
One of the main benefits of the card is its low annual fee. While many cards charge an annual fee of $50 or more, the Sapphire Preferred’s fee is only $95. This card is perfect for travelers who need extra points for travel.
In addition to earning Ultimate Rewards points, you can transfer points to airline partners at a 1:1 ratio. Your points can also be used to book hotels through the Chase Ultimate Rewards travel portal. When you redeem your points for statement credits, you’ll receive a 25% bonus.
For beginners who are just starting to learn about points and miles, the Sapphire Preferred is a great starter card. The card’s flexibility makes it easy to earn Ultimate Rewards. And its bonus is a great way to offset the annual fee.
Other features include purchase protection, trip delay reimbursement, lost luggage coverage, roadside assistance, and a global lifeline. You can even take advantage of a free DashPass subscription.
If you’re considering applying for the Sapphire Preferred, you should keep in mind that you’ll need to meet a few requirements. First, you’ll need to have a minimum credit score of 700. Second, you’ll need to have opened at least five credit cards in the past 24 months. Finally, you’ll need to have a credit limit of at least $10,000.
Citi Premier Card
The Citi Premier Card travel reward points credit card is a great card for anyone looking to maximize their travel rewards. You’ll get a big welcome offer and rich ongoing rewards. It’s also a good option for anyone who regularly travels outside of the U.S. There’s even a concierge service to help you book your flights.
One of the best things about the Citi Premier Card is the 80,000-point sign-up bonus. That’s enough to pay for your annual fee in the first year and still leave you with a little extra. Currently, the offer is only good for a limited time.
Another cool thing about the Citi Premier Card is that it offers triple rewards on gas stations, supermarkets, restaurants and hotels. All of these purchases make you eligible for a discount, so you’ll have more money to spend on your next vacation.
Citi also provides travelers with the option to transfer points to more than 15 different airline partners. These points can then be redeemed for cash or statement credits. As a result, you can use these points to buy tickets for a variety of international airlines.
While the Citi Premier Card travel reward points credit card does not have as many benefits as some other cards, it’s still a solid choice for travelers. Unlike some other credit cards, it has no foreign transaction fees. Plus, you can earn unlimited points. In fact, you can get up to 100,000 points each year, which can be transferred to multiple different travel partners.
Finally, the Citi Premier Card’s welcome offer is one of the best. You’ll receive a $100 statement credit for spending $500 on a hotel stay in the same year. This means that you’ll get a total of $800 in travel value after you’ve paid for your annual fee.
Business Platinum Card from American Express
The Business Platinum Card(r) from American Express offers a slew of luxury benefits and rewards that make it a great choice for business owners who travel often. These benefits include a $200 airline fee credit annually, access to lounges, and a range of other premium travel and shopping benefits.
In addition to providing travel discounts, the card also provides spending credits for business expenses. You can use your points for popular non-travel items such as dining and entertainment.
With a solid introductory offer, you can begin to enjoy the benefits of this credit card immediately. During your first three months, you can earn a massive welcome bonus of 120,000 Membership Rewards points.
There’s no limit to the number of points you can earn. It’s easy to send points to hotel and airline loyalty programs. However, the transfer process can take up to two days. Also, you may have to pay an excise tax on some of the points you transfer.
If you’re considering applying for the Amex Business Platinum, you should plan your spending around normal costs to maximize your rewards. Ideally, you should spend $15,000 within three months of opening your account.
One of the benefits of the Business Platinum Card(r) from American Express is that it offers premium perks, like access to Centurion lounges at select U.S. airports. As an added bonus, you’ll receive a free membership to the CLEAR program, which will help you avoid lengthy security lines at airports worldwide.
Other benefits of the Amex Business Platinum card include concierge services, access to airport lounges, and the ability to send your points to other loyalty programs. Additionally, you’ll receive automatic Gold status in the Marriott Bonvoy and Hilton Honors programs.
Chase Freedom Unlimited
A great way to earn cash back on everyday purchases is with a Chase Freedom Unlimited travel reward points credit card. The Chase Freedom Unlimited has a straightforward earning structure that rewards you for your purchases every month. You can use your points to redeem them for travel, direct deposit, or statement credit.
Unlike many other cash back cards, the Chase Freedom Unlimited does not have a minimum amount required for redemption. So you can earn a significant amount of cash back on just about everything. However, this rewards program may not be right for you if you’re looking to earn a large sum of cash on just one type of purchase.
For people with good to excellent credit, a Chase Freedom Unlimited card is an ideal option. It’s easy to sign up for and can be used to save on a number of purchases. Plus, you can earn additional cash back in your first year.
This card also has a generous welcome offer. During the first year, you can receive up to $300 in cash back. If you decide to apply for the card, you must meet a few requirements.
To get your credit card, you need to be approved for a Chase card and follow the company’s 5/24 rule. That means you have opened five or more Chase credit cards within the past 24 months.
Applicants who meet the requirements can then use a CardMatch tool to find a card that matches their qualifications. Those with good credit can expect to get a reward point credit card with an annual fee of $95 or less.
As with any credit card, you need to evaluate your needs before making a decision. You should consider the APR, the annual fee, the bonus, and the points earned. Look up details on the Consumer Financial Protection Bureau database and check the credit card company’s website.
Discover rewards points credit cards
Discover rewards points credit cards offer different types of rewards, from cash back to travel credit. They are accepted in more than 200 countries. Unlike Visa and Mastercard, they do not charge foreign transaction fees. This allows you to enjoy international shopping without paying additional charges.
Discover offers a wide range of credit cards to suit everyone’s needs. These can be used to make purchases at millions of online stores. Some cards have travel insurance.
Discover cards are also well-known for their 100 percent U.S.-based customer service. There is no annual fee, and no foreign transaction fees. Plus, Discover will match your first year’s rewards. Its “Freeze it” feature lets you stop unauthorized purchases on your card.
You can redeem your rewards for cash, statement credit, or a direct deposit into your bank account. Discover also works with charitable partners, allowing you to donate your rewards to organizations that help people in need. If you’re looking for a great gift card, you might want to look into Discover’s student credit cards.
For moderate spenders, the Discover it Cash Back is a good credit card. In addition to offering 1% cash back on all purchases, you’ll receive 5% cash back on bonus categories that change every quarter. The only downside to this card is that you’ll pay interest on your balance.
For more cash back, consider the Discover it(r) chrome. This card gives you 2% cash back on gas and dining out. However, you’ll need to activate your card quarterly and you’ll pay a $0 annual fee.
For those who need a little extra help with their credit, Discover offers the Secured Credit Card. This card requires no credit check and you’ll receive 1 – 2% cash back on all purchases.https://www.youtube.com/embed/vxEEqKmGQtE
