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I travel within the US for my job about once every other month, spending between $700 – $1,000 each. I’m looking at getting my first rewards card. I have excellent credit and normally pay everything on a debit card, but O want something to build up rewards and my credit score for those trips. The card would mostly be for travel. I’d like to earn hotels and miles and or cash back. Any suggestions?
If you fly any particular airline and check bags, I’d recommend looking for an airline miles credit card that gives perks like free checked bags or priority boarding. Here’s a brief overview of cards that have additional perks, and where you can redeem your miles:
|Card||Annual fee/signup bonus||Perks||Redeem on|
|Citi® / AAdvantage® Platinum Select® MasterCard® – fee is $95, waived for first 12 months*||For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*||First checked bag free up to 4 people
|American Airlines, British Airways and other OneWorld airlines|
|British Airways Visa Signature® Card – $95 fee||50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening||Amazing for American Airlines domestic short-haul flights
Companion ticket every year you spend $30k+
|The US Airways® Premier World MasterCard® -$89 fee||Limited Time Offer: Earn 50,000 bonus miles after your first purchase and payment of the $89 annual fee*||Annual companion certificate for up to 2 companions at $99 each
First-class check-in and Zone 2 boarding
|US Airways, United and other Star Alliance partners|
|United MileagePlus® Explorer Card -$0 intro annual fee for the first year, then $95||50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening||First checked bag free for up to 2 people
2 United Club passes a year
|Gold Delta SkyMiles® Credit Card from American Express -$0 for the first year, then $95||Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.||First checked bag free for up to 9 people
Discounted access to Delta Sky Club
You can also check out our review and roundup of the best airline credit cards.
However, know that this will lock you into redeeming for award flights on just one airline and its partners. If you prefer discount-hunting, flexibility with dates or booking on comparison sites, you’ll find these restrictions chafing.
If that’s the case, you’re better off with a more general rewards credit card. If your annual spending exceeds around $12,000, you’re best off with the Capital One® Venture® Rewards Credit Card. This card offers 2 miles per $1 spent, which can be redeemed against any travel expense: airfare, hotels, the works. Its annual fee is $0 intro for first year; $59 after that. If you’re not going to meet the $12k threshold, you’re better off with the Capital One® Quicksilver® Cash Rewards Credit Card: it gives a full 1.5% cash back on all purchases and has an annual fee of $0.