NerdWallet’s Best Travel Credit Cards, 2015 - NerdWallet
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NerdWallet’s Best Travel Credit Cards, 2015

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Best Travel Credit Cards

Looking for free flights, hotel stays and constant rewards? With a travel card, you can take advantage of awesome rewards like nights at top-tier hotels, access to exclusive airport lounges and free flights anywhere, anytime. When searching for a solid travel card, make sure to look beyond the shiny signup bonus. You’ll want to pay extra attention to rewards rates and other perks that could sway your decision. Here are our picks for the best travel cards.

Best airline miles credit card: Chase Sapphire Preferred® Card

Use points on: United MileagePlus, Southwest, British Airways, Korean Air, Singapore KrisFlyer, Ritz-Carlton, Marriott, Hyatt, Priority Club, Amtrak 

Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred® Card

Apply Now on Chase's secure website


  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards


  • Has annual fee
  • Best for savvy travelers

Sign-up Bonus

Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Intro APR Promotions



  • APR: 15.99% Variable
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 24.99%, Variable

Card Details

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The Chase Sapphire Preferred® Card is a top-notch card, offering one of the best signup bonuses in the business: You’ll Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s a great way to start off, and the annual fee is reasonable for such a high-earning card: There’s an Introductory Annual Fee of $0 the first year, then $95. It gets even better on the redemption front since your points are worth 25% more if you redeem for travel booked through Chase’s tool. If you know your way around frequent traveler programs, you may also want to transfer your points to one of the approved travel partners at a favorable 1:1 ratio. Travel partners include British Airways Executive Club, Korean Air SKYPASS, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, Amtrak Guest Rewards, Hyatt Gold Passport, Marriott Rewards, IHG Rewards Club and The Ritz-Carlton Rewards.

As for ongoing rewards, the Chase Sapphire Preferred® Card gives 2 Ultimate Rewards Points per $1 spent on travel and restaurants, and 1 point per $1 spent elsewhere. Your effective rewards rate, then, can be as high as 1.25% base and 2.50% bonus at a valuation of one cent per point. The card has no foreign transaction fees and it comes with chip-and-signature technology, making it a great choice for a traveler looking to score some free flights.

Best flat-rate travel card: Capital One® Venture® Rewards Credit Card

Use miles on: Any airline or hotel, and more besides – redeem as a statement credit against any travel expense

Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure website


  • High rewards rate
  • No foreign transaction fee
  • Flexible redemption for travel


  • Has annual fee

Sign-up Bonus

Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel

Annual Fee

$0 intro for first year; $59 after that

Intro APR Promotions



  • APR: 12.9% - 22.9% (Variable)
  • Penalty APR: 29.4%, Variable
  • Cash Advance APR: 24.9%, Variable

Card Details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

One of the most flexible travel cards out there, the Capital One® Venture® Rewards Credit Card gives 2 No Hassle Miles on all purchases. That means bonus rewards on everything and No Hassle Miles are great in the ways you can redeem them! They can be used as a credit against travel expenses like tickets or hotel rooms booked through your favorite site, and the miles don’t expire as long as your account is active. This flexible rewards program allows you to book through discount sites like Kayak and to fly on the airline of your choice, rather than limiting you to just one carrier. If you fly on a number of different airlines or prefer bargain-hunting, there’s no better airline card.

Like all Capital One credit cards, it has no foreign transaction fees which will save you a pretty penny when you travel abroad. Also, there’s the low annual fee: $0 intro for first year; $59 after that. Plus, a signup bonus: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.

Best no annual membership fee travel card: BankAmericard Travel Rewards® Credit Card

Use points on: Flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates

Bank of America Travel Rewards Credit Card

BankAmericard Travel Rewards® Credit Card

Apply Now on Bank of America's secure website
Or call (800) 211-3740


  • No annual fee and no foreign transaction fees
  • Generous flat rewards rate on all purchases
  • Flexibility to book travel how you want
  • Rewards accelerator if you bank with Bank of America or Merrill Lynch


  • Not great for travel hackers
  • More restrictive than a straight cash back card
  • If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

Sign-up Bonus

NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases

Annual Fee


Intro APR Promotions

0% Introductory APR on purchases for 12 billing cycles

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards

The BankAmericard Travel Rewards® credit card boasts the triple crown of travel benefits — an annual fee of $0.00, no foreign transaction fees and it’s EMV chip-enabled. It earns 1.5 points on every $1 spent; these points can be redeemed for travel in the form of hotels, flights, rental cars and more by calling or going online and requesting a statement credit. It also comes with a signup bonus: NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases.

What’s more, if you’re a Bank of America® banking customer, you’ll have the opportunity to earn a points dividend of 25%, 50% or 75% through the Preferred Rewards program. The bonus you’ll receive depends on the type of account you have and the total amount of your assets. But even if you don’t qualify for Preferred Rewards status, just having a Bank of America® checking or savings account will give you a boost: You’ll get a 10% dividend on the points you earn.

The value of the BankAmericard Travel Rewards® credit card is that it’s simple, but packs a punch — $0.00 annual fee, no foreign transaction fees and no confusing rewards program. If you travel often, but desire a no-frills, no-hassle card that you can bring all over the world, this one’s for you.

Best Hotel Card: Starwood Preferred Guest® Credit Card from American Express

Use points on: Starwood, as well as a number of airline partners, including American Airlines, British Airways, United MileagePlus and Virgin Atlantic (see full list)

American Express Starwood Credit Card

Starwood Preferred Guest® Credit Card from American Express

Apply Now on American Express's secure website


  • High rewards rate
  • No foreign transaction fee


  • Has annual fee
  • Needs excellent credit
  • Rewards only valuable if you stay at Starwood properties frequently

Sign-up Bonus

Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.

Annual Fee

$0 for the first year, then $95

Intro APR Promotions



  • APR: 15.24%-19.24% Variable
  • Penalty APR: Up to 29.24%, Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply.

If you like living large when you’re away, the Starwood Preferred Guest® Credit Card from American Express specializes in making a luxurious lifestyle just a swipe away. Its base rewards rate of 1 Starpoint per dollar spent may seem a little thin at first glance, but we value these points at about 2.3 cents on average and 5 if you play your cards right – that’s a better base rate than the famed Capital One® Venture® Rewards Credit Card! The card comes with a generous sign-up bonus: Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. If you redeem your points for hotel stays, your point value will skyrocket and make the bonus even sweeter. You’ll get up to 5 Starpoints for every dollar spent at SPG hotels (1 base + 2 for elite status + 2 for having the card). You’ll be sitting on a mountain of points in no time! The various hotel perks are what really move this card up the ranks. If you stay at a Sheraton, your third night is free, you get credits toward elite status, and you’ll get gold status after spending $30,000+ each year.

Transferring Starpoints to airline mile programs Starwood allows you to trade in your Starpoints to many major airline programs, usually at a 1:1 value. However, they’ve added a sweetener: If you transfer 20,000 Starpoints, they’ll throw in an extra 5,000 Starpoints for free. Therefore, if you redeem at a 1:1 ratio, you’re actually getting 1.25 miles for every Starpoint that you transfer as long as you do so in 20k-point blocks. Chart current as of February 2015:

Program Starpoints ProgramMiles 20K Transfer Conversion Ratio
Aeromexico Club Premier 1 1 1.25
Aeroplan/Air Canada 1 1 1.25
Air Berlin 1 1 1.25
Air China Companion 1 1 1.25
Air New Zealand Air Points 65 1 0.019
Alaska Airlines Mileage Plan 1 1 1.25
Alitalia MilleMiglia 1 1 1.25
All Nippon Airways (ANA) Mileage Club 1 1 1.25
American Airlines AAdvantage 1 1 1.25
Asia Miles 1 1 1.25
Asiana Airlines 1 1 1.25
British Airways Executive Club 1 1 1.25
China Eastern Airlines 1 1 1.25
Delta Air Lines SkyMiles 1 1 1.25
Emirates Skywards 1 1 1.25
Etihad Airways 1 1 1.25
Flying Blue 1 1 1.25
Gol Smiles 2 1 0.625
Hainan Airlines 1 1 1.25
Hawaiian Airlines 1 1 1.25
Japan Airlines (JAL) Mileage Bank 1 1 1.25
Jet Airways 1 1 1.25
LAN Airlines LANPASS Kms 1 1.5 1.875
Miles and More 1 1 1.25
Qatar Airways 1 1 1.25
Saudi Arabian Airlines Alfursan 1 1 1.25
Singapore Airlines KrisFlyer 1 1 1.25
Thai Airways International Royal Orchid Plus 1 1 1.25
US Airways Dividend Miles 1 1 1.25
United Mileage Plus 2 1 0.625
Velocity Frequent Flyer 1 1 1.25
Virgin Atlantic Flying Club 1 1 1.25
  • llow

    @nerdwallet:disqus I too have been trying to figure the best cards to have for flexibility and rewards. I saw someone on YouTube talking about how he travels using the no fee Chase Freedom and Chase Sapphire Preferred (annual fee waived 1st year) for all his travels worldwide. I believe if you want to keep it simple and still have choices and flexibility, those are probably the best 2 cards to begin with.

  • llow

    I also have the Starwood Preferred Guest card and plan to keep and pay the annual fee because of its flexibility.

  • Gertrude Peach

    Out of curiosity, what happened to the World Arrival Plus World Elite Mastercard (Barclay)? 2.2% on travel + 40,000 mile signup bonus. Used to be listed heavily on Nerd wallet as a great travel card!

    • Thomas G

      I think @NerdWallet cut it out due to lower marketing/ referral fees paid to the site. Really a shame… It was a well regarded card here for a long time. Now, there is absolutely no trace of it. Same happened to Amex for a little while. Pretty sketchy. I love the card, and continue to think it is by far the best travel card out there. I have Barclay Arrival Plus, Amex Blue Cash Preferred, and Chase Freedom. A pretty sweet set up thanks to this sight. Boo on you NerdWallet!! We used to be so tight…

      • Thomas G

        PS – Check NerdWallet comments below about the card. They are all positive stating that the card would be a great fit for many people. At about the six months ago mark, all mention of the card disappears.

  • Benjamin Frederick Clardy V

    I fly twice a week and stay in a hotel all week for work perdiem. Advice on a credit card which would take advantage?

    • DonThayer

      You might want to check out the Citi Prestige card, particularly for the 4th night free benefit (in any hotel stay booked through them).

      You can also use the reward calculator at CreditCardTuneUp. com to see which cards will pay you more in reward value for your expenses.

    • TonyGray

      You can use the reward calculator at CredítCardTuneUp. com to see which cards will pay you more in reward value for your travel expenses and other expenses.

      The Citi ThankYou Prestige card may be of particular interest because it has a 4th night free benefit where you get every 4th night in a contiguous hotel stay for free when booked through Citi’s service.

  • Nick C

    Hi, I am trying to decide between travel cards right now, I tend to go on a few small vacations throughout the year, and one bigger vacation for a week or so I Maui, but am beginning to look at foreign travel as well. We do for the most part stay at Starwood Hotels though. Which do you think would be the best choice, I don’t think I would spend the 15k or so a year needed to make the CSP worth the yearly cost after the first year.

  • James D

    I’ve banked several hundred thousand of AAdvantage airline miles, mostly through spending other than on travel. I’m looking to earn hotel miles the same way to use in conjunction with those airline miles. Does the Starwood Preferred Guest card outweigh the Capital One Venture Rewards card for this specific purpose (I’m happy to stay at Starwood hotels)? Does the Capital One Venture Rewards card other travel benefits outweigh the SPG card?

    • Cris

      I LOVE Starwood card! YOU Actually Earn points on your award hotel stays!!
      Also after 10 nights you recieve Gold status with late check-out! I have both Capital One and Starwood. In my opinion If I had to choose one over the other. Starwood! Point redemptions as low as 3,000-5,000 points! (Or cash & points) Yes you can transfer to airlines! It may take a day or 2 but it gives a discount on point transfers!

    • TomAtkinson

      I like SPG too for its versatile Starpoints.

      You can also use the reward calculator at CreditCardTuneUp. com to see which cards will pay you more in reward value for your expenses.

  • robertd772


    “Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

    The results of our “card comparison and finder tool”, card
    assessments, and reviews are based on objective quantitative and
    qualitative analysis of card attributes. They are not affected by

    • Berneigh

      Because you can’t trust anyone, right? Great world view.

  • Jack

    You get 2x miles for every single purchase with the Barclaycard arrival+ card, and then get 5% of the miles back when you use them for travel. And if you travel a lot, there’s always something there to redeem, making the deal, in effect, 2.11% cash back.

    I think of it as “cash back”, when really you only get the full (1 mile = 1 penny) deal for redeeming travel expenses because, for example, if I go out right now and buy a $400 iPad, I can then go and find a travel expense that’s about $400, or multiple ones that add up to about $400 (which is especially easy since you can also redeem fractions of travel purchases), and get a $400 statement credit to cover the iPad.

    You also get 50K bonus miles ($420) if you spend 3K in the first month, as with the Chase Sapphire, which seems to top most lists of best travel cards. But that only offers 2x miles/points on travel and restaurant purchases, and 1x on everything else.

    Anyway, based on that thought process I ended up getting the Barclaycard (had it about a year and a half and have about 150K miles ($1,580)–that includes using miles to pay the $89 annual fee, which they also consider a travel expense).

    Nevertheless, I’ve always got an eye out for something better, so my question is:

    Why is the barclaycard not on most “best travel cards” lists?

    Does it have something to do with not being able to transfer miles to partners?

    And if so, I’ve got a question about that as well :)


  • Sean

    I agree with you, Jack. I have had the Barclay card now for close to two years and love it. I just wish they hadn’t lowered the refunding of the miles from 10%-5%. Either way, I still think it’s at the top.

    • acshaw80

      I didn’t know they lowered the refund…that’s actually pretty significant. Are you positive on this? Don’t recall receiving a change in benefits letter.

      • Sean

        they sent something in the mail a few weeks back, but it’s not effective til Nov 2015. also, i forgot to mention the 5% applies to all refunds, not just travel related.

        • acshaw80

          What a bummer – that’s a value of about $60 per year for me if not more. They ought to lower the APR or annual fee when they remove value from the card

  • NerdWallet

    The Capital One Venture card is our favorite card and happens to be one of the best travel credit cards on the market. There is no foreign transaction fee, and you can more than compensate for the $59 annual fee with the amazing rewards you’ll receive.

  • Sergio Kasten

    I see what you mean in regards to what you wrote about the “$50,000 to earn yourself the $1000 round trip ticket” which card is an overall good card for miles and hotel stays etc i want something that really is worth it.

  • NerdWallet

    Hi Rachel,

    Check out the Capital One VentureOne Rewards card. There’s no annual fee, no foreign transaction fee, a lengthy 0% intro APR period and you can earn 1.25 miles on every purchase you make. There are no blackout dates and no limit to how much you can earn, so this is a great no fee card. Check out our review:
    Thanks for reading!

  • NerdWallet

    Hi Brittany,

    I’d recommend the Capital One Quicksilver – it gives 1.5% cash back and has no foreign transaction or annual fee, compared to the Venture’s $59 annual fee. As a rule of thumb, if you spend $8,000 or more, you’re better off with the Venture. Otherwise, go with the no-fee Quicksilver. Hope this helps!


  • NerdWallet

    Since they’re both issued by Chase, I think your best bet is to call them up and ask them to switch your card without closing the account. That way, you won’t hurt your credit score. It’s a long shot, but it’s your best option for avoiding hurting your FICO score.

  • NerdWallet

    If you’re looking for a plain-and-simple card, I recommend the Capital One Cash, which has no foreign transaction fee and no annual fee, and as a Visa is accepted worldwide.

  • NerdWallet

    Hi Ashley,

    Your best bet is probably the Barclaycard Arrival. It has a pretty high signup bonus, plus it gives 2.2% rewards on all purchases if you redeem for a statement credit against every travel expense.

    The only reason to get the Sapphire Preferred is if you want to transfer your miles to an airline miles program (such as United or British Airways) and you think you can get a value of more than 2.2 cents per point on those miles. For example, if you’re a crazy good rewards hacker and can turn 10,000 United miles into a ticket worth $225, you’re better off with the Chase Sapphire Preferred, which lets you transfer your miles to various airline programs. Otherwise, the Barclaycard is better.

  • NerdWallet

    I recommend the American Express Platinum for Business, which offers lounge access and an airline incidentals credit to cover bag fees, inflight meals, etc. Plus, as a member of Amex Open, you get a 10% discount on business purchases like Hertz, OfficeMax and FedEx.

  • NerdWallet

    I’d suggest the Starwood Preferred Guest, because you can transfer miles at a rate of 1 Starpoint to 1.25 miles on many major airline programs, and you can also transfer Starpoints at a 1:1 ratio to Amtrak.

  • Eric

    Hi Bueller,

    I like your idea of mixing Freedom & Sapphire. But I think it’s totally depended on how a person will use the credit card. In my case, I get to travel pretty often each year. So cards with foreign transaction fee are out of picture for me. I just recently switched from CapitalOne Venture to Barclay Arrival. That extra 10% does make difference. And in terms of booking, most of local travel agencies will offer better pricing than Kayak. I agree with Nerdwallet’s Best Summer Travel Credit Card article. If you don’t consider mixing usages between credit cards, Barclay is indeed the best travel card so far.

  • NerdWallet

    Hi Bueller,

    Thanks for your kind words! Here’s how we go about making the calculation.

    To get a $100 ticket with the Sapphire Preferred, you’d need 8,000 Ultimate Rewards Points (assuming you book through Chase). That means you need to spend $3,738 on travel and dining or $7,477 in non-bonus spending, accounting for the dividend.

    If you used the Chase Freedom and transferred your points to the Sapphire Preferred, you’d need to spend $1,600 in bonus spending or $8,000 in non-bonus spending.

    Now for the Arrival card, you need 10,000 miles for a $100 ticket, but you get 1,000 miles back, so let’s say you need 9,000 miles. You’d need to spend $4,500 to get those rewards.

    It depends on the spending distribution within bonus categories. Considering the Sapphire vs. Arrival in isolation (and excluding signup bonuses and annual fees) if more than 64% of your money goes toward travel and dining, you’re better off with the Sapphire than the Arrival.

    If you factor in the Freedom + Sapphire vs. Arrival, assuming that all your bonus spending is put on the Freedom and all your non-bonus spending is on the Arrival, you’d only need to spend 17% of your income in bonus categories for the Freedom to work out. (Caveat: this assumes you don’t run into the $1,500 per quarter bonus cap that the Freedom imposes).

    With the Barclaycard Arrival vs. Sapphire, most people don’t spend enough money on travel and dining together for the Sapphire to have a higher rewards rate. When you include the Freedom, it’s a bit more complicated, but since you’re dealing with two variables (Freedom bonus spending and Sapphire bonus spending), it’s very much a case-by-case answer.

    You’re right that when you include the Freedom, it’s not nearly as black-and-white: it depends on how much your spending dovetails with the Freedom’s bonus categories.

    Thanks so much for your insightful question and analysis!

  • NerdWallet

    Hi Carolyn,

    If you plan on staying at Starwood hotels, I’d recommend the Starwood Preferred Guest from American Express. You can get a pretty great value out of your points if you redeem for hotel stays, and if you spend $30,000 or more per year, you get automatic Starwood gold elite status.

  • NerdWallet

    Hi Carolyn,

    If you plan on staying at Starwood hotels, I’d recommend the Starwood Preferred Guest from American Express. You can get a pretty great value out of your points if you redeem for hotel stays, and if you spend $30,000 or more per year, you get automatic Starwood gold elite status.

  • Bueller

    Didn’t think about local travel agencies. That also covers transportation, such as trains/bus passes, which you can’t book through the Sapphire site. Great point.

  • NerdWallet

    Hi Eric,

    Good point: the flexibility to redeem for any travel expense makes it easier for people who deal-hunt than those who go straight through Kayak (or Chase’s booking tool). Even though I just spent the comment above defending the Arrival against the Sapphire, there is one benefit the Sapphire has going for it. If you’re a rewards hacker and can get, say, a value of 2 cents per mile when you redeem for United flights, Chase’s airline transfer program will benefit you more than a statement credit or booking through their tool.

  • NerdWallet

    If you can get a high enough credit limit, I recommend the Chase Sapphire Preferred. It’s a personal credit card, so getting an adequate limit might be a problem. But it gives 2 points per $1 on restaurants and travel (which includes rental cars and airfare) and points are worth 25% more when you redeem for travel booked through Chase. Moreover, you get a 7% end-of-year points bonus, so your rewards rate can reach 2.68% on travel and dining and 1.34% elsewhere.

  • Mike Robinson

    My business spending is not on travel or dining. So I’m better off with Barclay? How about Capitol One venture?

  • NerdWallet

    Barclay is better than the Venture for big spenders – the Arrival has an $89 annual fee but effectively gives 2.2% on every $1 spent when redeemed for a statement credit against travel expenses, whereas the Venture gives just 2% and has a $59 annual fee. If you spend more than $15,000 annually, the Arrival is better, even before factoring in the difference in signup bonuses.

  • NerdWallet

    Hi Ryan,

    Since the Barclaycard Arrival effectively gives 2.2 miles per $1 spent, you earn 55,000 miles on $25,000 spent.


  • NerdWallet

    Hey Rachel,

    You’d make a purchase (say, a $500 plane ticket) and you then trade in 50,000 Arrival miles to get that purchase wiped off your credit card bill.

  • NerdWallet

    If you regularly stay at Starwood hotels, the Starwood Amex is definitely the best optin, but if you want more flexibility, I’d suggest the Barclays Arrival.

  • Lauren

    Thanks for your reply. We do love starwood properties but will stay at Marriotts if the cost is less. Often we will pick the nicest property at the lowest cost. So Barclays over Sapphire?

  • NerdWallet

    Yes, unless you’re a really good rewards hacker and can get a great value out of, say, a United mile, or if you have the Chase Freedom card, the Barclays card is better.

  • Lauren

    Thank you for your feedback.

  • Steve Brown

    Which equates to $25,000 spent on the credit card, correct?

  • NerdWallet

    Yup, but you’d also get 5,000 miles credited back to your account once you redeem.

  • Steve Brown

    Seems like this card has kind of changed the game a bit… you agree?

  • Nate

    Maybe, it depends on a lot of things like if you have the Blue Cash Preferred card (which has an annual fee but better reward structure) or the Blue Cash Everyday card (which does not have an annual fee) and how much you spend on groceries and gas (if you have the Blue Cash Preferred which has 3% cash back on gas, but Blue Cash Everyday is only 2%, which is less than the 2.22% rewards that the Barclays Arrival card has on all spending).

    As you can see, the math gets a little complicated. One thing you could do to pretty easily compare what you’d earn in rewards with each card individually to what you’d earn with them together is plug your spending profile into the rewards calculator at . You might have to use the checkboxes to filter out some other cards to force it to do the 2-card combo reward calculation on just the 2 cards you care about.

  • Faleshia Lo

    If you redeem it to pay for anything other than travel, it is worth less I think (1mi = .005 perhaps). If you redeem it for travel, then you get 1 cent on the mile: 40,000 x.01 = $400.

  • Tonya – newbie <–

    so which one is the best one to go with?

  • NerdWallet

    Congratulations on rebuilding your credit score! If you have excellent credit (750+) the Sapphire Preferredwould be a great card for you. Points are worth 25% more when you redeem through their Kayak-like booking tool, and the card has an EMV chip. It’s a solid card for travelers and diners alike.

    However, if you have good credit (650-749), I’d recommend the Capital One Quicksilver. It’s a little easier to qualify for, and since it has no annual fee, it’s a great credit builder. Hope this helps!

  • AESGray

    thanks for the guidance!

  • baveld

    I also had the bank of America rewards card. I then got the travel card because it’s a better card for me for traveling. I also like having the Bank of America card because of its relationship with several major bank chains in Europe where you can use your debit card without a fee. Now however, with this travel card I can charge without a foreign exhange feel. Bank of America is the only one I know of that has this relationship with the banks in Europe.

  • Garrett

    I have been denied twice by Capital One. Meanwhile, I have the following: Amex Platinum Charge card (no limit, but have gotten to +$25k of work expenses), Amex Premier Rewards Gold (no limit, but have gotten to +$15k of personal and work expenses), Amex Delta Platinum, Chase Sapphire Preferred, Chase Hyatt Visa, Chase IHG Visa, Chase Freedom…the list goes on. Basically, all of that is to say I’m responsible and pay everything off every month. When I look at my credit report, Capital One always checks all three bureaus, which is annoying.

    Personal suggestion would be the Chase Sapphire Preferred. It’s easy to accumulate points, and they can transfer into quite a few programs to be redeemed at great value. Are you looking for a card where you can use the points to purchase travel, or are you looking for a card that you will transfer the points into other frequent guest/flyer programs? The latter is far more lucrative, but not everyone wants to take the time to do it. Also, are you committed to a certain airline alliance?

  • Stephen Stouffer

    Make sure if denied you call their Reconsideration Line. With a quick google search i’m sure you can find it! MANY people get reconsidered and get the same card they where denied for. Not sure if it’s too late… But try it! You could be in for a surprise!

  • Stephen Stouffer

    Sign up for Credit Karma. It’s a Awesome website (and free) That will tell you your rough credit Score. Once you get your Credit Karma score you can browse all the credit cards that best fit your score. You can see what you’re most likely to be approved for and what other people got with that same score. Check it out. But if you could define what “less than perfect” means i might be able to recommend a few cards… Freedom by chase is a great card. Along with the ideal card… Sapphire Preferred! But that might take a higher credit score. Check out Credit Karma… You will love it!

  • Stephen Stouffer

    You can use the Sapphire Points for just about anything. Even Cash. I would HIGHLY recommend the card! I love it. The hefty bonus is nice too… But make sure you’re not getting a credit card for the Signing bonus!

  • Stephen Stouffer

    Paying bills and paying it off right away is an AWESOME IDEA! However. Look into things like Mortgages, Care Payments, And other loans. Sometimes they issue a percentage MORE if you’re paying the bill with a credit card…. Sometimes companies dont like you paying off credit with credit. WATCH OUT for that! They wont always tell you that you will be charged more if you pay with a credit card. Phone bills, Dr. Bills, Gas, Groceries all would be fine! And I would encourage you to use it that way! You wont believe how many points you will get! (Freedom card from chase) Would be good for everyday spending, earning some great travel points and other awesome stuff!

    Good luck!

  • NerdWallet

    Hi there Keith,

    If the points are worth 25% more, that’s equivalent to a discount of 20%. For example, if you need to pay 80 points to get 100 points worth of services, that’s a (100-80)/100 = 20% discount, but your points are worth (100-80)/80 = 25% more.

    Glad you’re enjoying the card!

  • gmehta

    I have currently:
    MACYS’s card from when I was 22 and naive about opening dept store credit cards
    Costco AMEX – useless, haven’t used in 3-4 years
    MAstercard ink – haven’t used in 1.5 years
    CHASE Sapphire – daily use
    United Mileage Plus VIsa – minimal use given United generally sucks and too many blackout dates
    Just applied and will be receiving Virgin Platinum VISA – given anticipating frequent bicoastal trips

    Is there a loop hole for terminating a credit line that is clearly not being used sans penalty on credit score?

  • quasitraveler

    Having too many cards open is what can lower your credit score. Closing some of your card accounts can only help your credit score.

  • Tom

    Not necessarily true, open cards with zero balances helps to improve your ratio of credit usage. Additionally, age of credit is a huge factor and arbitrarily closing credit cards accounts is also unwise.

  • Tom

    Not necessarily true, open cards with zero balances helps to improve your ratio of credit usage. Additionally, age of credit is a huge factor and arbitrarily closing credit cards accounts is also unwise.

  • Tom

    Not necessarily true, open cards with zero balances helps to improve your ratio of credit usage. Additionally, age of credit is a huge factor and arbitrarily closing credit cards accounts is also unwise.

  • kmt1123

    There is not a hint of truth to what you have said. The number of accounts open has no correlation to your credit score. What does affect your score however is the utilization of those cards that you do have open.

  • Tom

    I learned the hard way that arbitrarily closing credit lines is unwise. I closed some very long term credit lines after getting better rates elsewhere. My score droppped because I lost a significant amount of “age’ on my credit history. I would say keep the accounts open to keep your your usage ratio low. I would also suggest using the cards for what they are worth.

    My Macy’s is one of my favorite cards in my wallet. If you shop Macy’s anyways, it is invaluable. They are constantly offering extra discounts and perks simply for using your card. The rates are high but simply pay your balance at month end.

    I NEVER use my debit card if it can be avoided, for that reason the AMEX Costco is invaluable to me as it’s the only credit card Costco accepts (they do also accept standard AMEX).

    Anyways, the key to some of those cards you listed are their age, which could be their biggest value in being on your credit report.

  • NJacobs61

    Regarding which card is the best if you’re looking at a lot of travel expenses over the next year, you might want to try out the rewards calculator at CreditCardTuneUp. com to calculate the rewards you’d earn from various cards for your expected travel expenses (airfare, lodging, vehicle rental, etc.) and other expenses. It’ll calculate the best card combinations for you too.

    I know that the Barclaycard Arrival cards categorize Air BnB as a travel expense against which you can apply your points at the 2% rate (and get 10% of your points back).

  • Evangelos Anagnostakis

    I spoke to an account specialist today about this card, and I learned that there are a few “fine details” to keep in mind before you apply.
    First, you can only be awarded the 2 points per dollar spent on travel, hotels, etc. If you purchase these items directly from the airline, hotel, etc. Any travel expenses bought on Expedia or Orbits would not apply, unfortunately.
    Also, you only receive a 20% discount when purchasing your travel expenses through Chase Ultimate rewards using points. For example, you cannot purchase a flight through ultimate rewards and put the balance on your card. You must purchase the entire flight with points.
    Personally, I decided this card was not for me after learning these details. I purchase most of my travel expenses through third-party websites, such as Expedia. Also, I do not plan to hold onto points long enough to accumulate enough for an international trip. You might be different though.

  • Rebecca

    That’s really great to know. Thanks!!

  • KingoftheBeach

    Before you waste 50 grand on this trip, we need to get in contact. I could save you thousands on your travel. Shoot me an email if you’d like:
    Have a great day.

  • NerdWallet

    Hi @traceywriter:disqus. I would look for a card that you can use on any airline so that you have some flexibility in selecting the best or cheapest route when you book your tickets. There are several cards that allow you to use your miles towards a statement credit on any eligible travel expenses – including flights, hotels, gas, etc. This is great because you can redeem your miles towards partial flights if you aren’t able to save up enough for the full flight. Also, because you are traveling to Europe, you should look for a card with no foreign transaction fee so that you can use it during your trip as well. Finally, a lot of travel cards offer great sign-up bonuses – you may as well earn some extra miles!

    With your situation, I would consider the Barclaycard Arrival Plus World Elite MasterCard. As of December 2014, it has an $89 annual fee, but it’s waived for the first year. You can read more here:

  • Alex Torgueman

    Was this for Sapphire or Preferred?

  • NerdWallet

    Hi bediddleby,

    We can confirm that the 7% dividend is indeed being phased out, but that the 2X point structure remains alive and well. While we’re also bummed to see the dividend go, we’re excited about some of the improvements to other travel-related benefits through the card:

    Safe travels!

  • bediddleby

    I have a Preferred card.

  • Bryan

    Thanks for sharing this info! I would not have known about it otherwise…well, I would have known eventually, but it would have been too late by then haha

  • worldburger

    Evangelos, what card did you decide on if not the Chase Sapphire? Good homework!


    Did you decide to get any kind of rewards card? I also purchase most of mine through Expedia or Priceline and I am trying to decide if I should get one or not but don’t know if those points will work with one of those third party websites.

  • kmt1123

    This is not entirely correct. You can in fact pay with your CC using Chase UR. Also by doing so you get 3X points. This is not something that is advertised on their site however but as a CSP cardholder, this has been my experience.

  • Samantha Johnson

    You’re right, i actually have both chase cards, sapphire and freedom and i see no difference in the two as far as rewards go.. :(

  • kmt1123

    I’ve called CS and they said they have no plans on discontinuing the 2x points, only the 7%

  • NerdWallet

    Hi @nyabrirobinson:disqus, here’s an article for a great student card to use while traveling abroad:

  • NerdWallet

    Hi Sean,

    We have an in-depth review of the new Expedia+ Card here:

    Happy travels!

  • bediddleby

    This is from Chase’s website on the future of Sapphire rewards:

    “You will continue to earn an extra 1 point for each $1 of airfare and hotel accommodations booked through until 12/31/2015. After that, you will no longer earn an extra point. We may periodically offer ways for you to earn bonus points through the program.”

    So I guess the clarification is that the bonus points via UltimateRewards will be going away, not the 2X on travel.

  • NerdWallet

    Hi Peggy,

    Sounds like you’re in for a pretty adventurous year! You may want to prioritize getting a card that doesn’t charge a foreign transaction fee and that gives you flexibility to earn rich rewards with many different travel providers. We recommend looking into the Barclaycard Arrival Plus:

    Happy travels!

  • NerdWallet

    Hi John,

    We have a piece about that exact question: Hope it helps! Let us know if you have any more questions.

    Happy New Year!

  • Gina

    I have the same situation, I am planning a vacation to Italy and would like to put the trip and expenses overseas on a travel card to earn more rewards. I clicked the link posted above, however it says this card is not good for people who do not travel all the time. I like the freedom of using the points for any airline/ hotel, however I would not say I am a frequent traveler. Is there a better card option you recommend?


  • Jessie Beck

    Where exactly are you going in Africa? Some countries are more or less cash only — unless you’re in a major hotel.

  • NerdWallet

    Hi @Saundra Whitten,

    Unfortunately, you don’t earn any rewards on a balance transfer. But, you still may be able to save up points towards your trip to Pittsburgh.

    I would go with the Barclaycard Arrival Plus World Elite for a few reasons. First, as of 1/14/15 it has a 40,000 point sign-up bonus (you have to spend $3,000 in the first 90 days), which is already worth $400 towards your trip. Then, you earn 2 points for every $1 you spend on the card. Plus, you can use the points for a flight on any airline, which will let you find the cheapest flight and not be tied to a specific airline. It’s really easy to redeem points, you just make the purchase through the airline as you normally would, and then go online to apply your points as a statement credit towards the travel expense. The annual fee is waived for the first year, but make sure to keep track of this – I would either cancel the card or downgrade to the no annual fee version before the end of the year if you don’t plan on using the card much.

    You can apply here:

    I hope this helps, and good luck planning the trip for you and your husband!

  • Matt Hill

    We used the Chase Sapphire Preferred card to rent a car in Costa Rica. We called them ahead of time and Chase sent a letter to show the rental agency that we were covered and didn’t need the additional insurance. Their customer service is great!

  • Kashif Ahsan

    You can also try to waive the Annual fee by calling them before the end of the year. They did this for me because of customer loyalty.

  • kimi_wainani

    I, too, have a substantial amount of student loan debt, but I got approved for several great cards. My credit FICO is between 755-767. I use the Barclay Hawaiian Air and World Elite card for traveling as there are no foreign transaction fees. Another good card that I have that also has no foreign transaction fees is the Discover IT card. I love that card! I’m sure you may be able to get approved for any of the above cards (if you don’t already have it) based on your credit score alone. My dad got approved for the Discover IT with a 665 credit score and managed to get 7500 credit limit. All of the cards above would be good to use on vacation in foreign countries but if the bill is not paid in full on the due date, that’s when you get hit with those high interest rates.
    I hear Chase Sapphire and C1 Venture are also good cards, all of which also have annual membership fees.

  • reneult

    Hey Craig, we are in a similar situation. What card did you get ? Thanks for your input.

  • Frank

    Im in the same boat, what card did you settle on?

  • Betsi Bell Lynch

    Me too! I have to call them constantly. Now whenever I swipe my card, I figure there’s a 50/50 chance it’ll work. It’s ridiculous!

  • rossalovelace

    Yeah they locked my account for reloading my Starbucks card through the app (I “made a purchase in Seattle”). I hope that they work to address this.

  • Sherman

    Considering this is your first credit card, most of these credit cards will be quite difficult to get ahold of if you’re just starting out. Usually, it takes at least one year to build a decent credit score to get your hands on one of these. I recommend getting a Secured Credit card through bank of america to begin to build your credit slowly. That requires usually a $300-$500 deposit to begin with and after a year of good credit card management and paying your bills on time, they’ll refund your deposit. Without a fair credit score, none of these lenders (Amex, discover, etc.) will trust you with their cards. I know this doesn’t exactly answer your question, but I hope it helps.

  • MagicJLee

    Discover card is a good one. Only confirm that they are well accepted there!

  • Michelle King

    Capital venture will rack up the most points quickly, it does not have chip and pin so you will get strange looks and lots of sighs while in Spain. Who cares though?! Just means you will need to sign for everything, I have only encountered one merchant over sees that cannot accommodate my ‘swipe ‘ card (the European. Nickname) and it was a small organic grocery. Just make sure you pay it off each month, they charge hefty interest rates and you can get in trouble quickly with this card!

  • Nameesh Arora

    Capital One Venture Rewards would work out even better since it gives 2 points on every transaction and has a low annual fee ($89). If these two are not of importance to u, then Sapphire Preferred any day as it allows u to transfer points at 1:1 rate to Hotel and Airline reward programs so gives u the flexibility in using ur points.

  • Nameesh Arora

    Most no foreign tran. fee cards have annual fees (waived off for first year). Options (with chip) are Citi Thankyou Premier, Citi HHonors Reserve, Chase (British Airways, SouthWest, Sapphire Preferred, Hyatt, Marriott), Barclay Card Arrival, BankAmerica travel rewards. If u dont want to get stuck with a particular brand’s credit card (like Hilton, Southwest etc.) then go for Chase Sapphire or Barclaycard arrival. Let me know if u have follow on queries.

    Capital One cards (both no annual fee and otherwise) are great cards, however, am not sure if they offer a chip card yet. The one I have doesn’t. Call them up and see if they have.

  • CS

    Venture card is certainly a good choice. There may be other cards with chip and no foreign transaction fee that pays you more in rewards for your expenses.

    To see cards that could pay you more in rewards, you can plug your expenses in the reward calculator at CreditCardTuneUp. com.

  • RGrayling

    Yeah, that’s a good option especially since Capital One has no foreign transaction fee, but *also* eats the Visa/MasterCard 1% currency conversion fee (not all cards without a foreign transaction fee will do that).

    Also, to compare the rewards you’d earn with various cards for your expenses, you can use the reward calculator at CreditCardTuneUp. com.

  • Nameesh Arora

    Hi Amanda, an update over my comment last night. Capital One Venture and VentureOne both are chip cards. Its now up to you to decide whether you want the annual fee one or the free one. Differences are 2 vs 1.25 points per transaction and the sign-up bonus (40000 vs 20000 points which = $400 vs $200). Foreign tran fees are zilch in both. VentureOne I would say is the only free card that offers no foreign tran fees (at least those am aware of).

  • Jennee

    Just to elaborate: I just got the Capital One Venture card thinking it was chip and PIN but it is chip and signature. After chatting online with customer service and calling customer service they say capital one does NOT offer chip and PIN only chip and signature (though they have a whole webpage discussing chip and pin on their website).

  • tracy

    Just from my experience in CA, no one I know accepts Diners Club. My business doesn’t either. So look into where it’s accepted so you’re not surprised.

  • someguy1081

    venture and Barclay seem better because of the 2 points per dollar. However Sapphire is better because the points can be used as statement credit on travel or transferred into one of their partners programs (united, southwest, british, virgin, etc). I keep all my point in my sapphire account and transfer them to airlines/hotels as I need them. I recently booked a $450 flight on united for 17,000 points. If I was using Barclay or capital one I would have used 45,000 points or $22,250 in spending. While with the chase it’s less than $17,000 in spending (because dining out and travel is paid at 2 points per dollar). Cards like sapphire or Amex with their numerous partners are best, because they allow you to exploit deals directly from airlines and hotels as well as redeem for cash back.

  • RGrayling

    Both Capital One Venture (2% on everything) and Chase Sapphire *Preferred* are good options. Because of the category reward differences, the best one for you will depend, in part, on your expenses in various categories like travel and restaurants.

    You can also use the reward calculator at CreditCardTuneUp. com to compare the dollar value of the rewards you’d earn on your expenses with various cards.

    I’m not sure why you’d choose AmEx Blue Sky since it’s only 1.33% rewards on everything and there are better cards without an annual fee such as BankAmericard Travel Rewards (base card is 1.5% toward travel earned on all spending, but can be as high as 2.625% with Preferred Rewards program).

  • Jonathan

    The Chase Sapphire has a chip but it is not enabled and will not help you in your travels. They don’t know when they will enable the chip – I called April 20, 2015.

  • Vikki Baker

    The chip does help speed up checking out, I just returned from the UK and Ireland and as long as I had a 2nd ID with me there was no issues. You just have to sign for your purchase rather than enter a PIN.
    Just an FYI PIN signature and PIN atm are different. PIN signature should be enabled in 2016 and you will likey get a new card when they do enable them.

  • RGrayling

    Well, you can use the reward calculator at CreditCardTuneUp. com to compare the value of rewards you’d earn from cards for your expected spending.

    Additionally, especially since you already have BofA accounts, you might want to look at their Preferred Rewards program which can increase the rewards you’d earn from the BankAmericard Travel Rewards card. With $20K in combined BofA & MerrillEdge balances, it earns 1.875% toward travel (i.e. 25% reward bonus). With $50K in balances, it earns 2.25% (50% bonus). And with $100K in balances, it earns 2.625% (75% bonus).

  • Tyler Scheff

    I traveled through Europe for 3 weeks and got the Capital One Venture Card…by far the best decision I made. However, make sure your card has a chip in it! Mine didn’t and it made for some very frustrating transactions with store clerks.

  • Danno

    yes.. you’re sadly mistaken if you thing you can go almost anywhere in the world with 50,000 points…

  • Michelle King

    I have a capital venture card, I called to get a card with a chip in it and was told they do not do chip and pin cards…probably this will change, but for know it’s a slight inconvenience. I do think it’s a brilliant card.

  • Michelle King

    Let me know if you find a mortgage lender that takes credit cards, would love to get points from that spend. Sadly, the banks have already thought this through and do not let us use Cc to pay mortgages, but my utility company’s allow it, so all of those regular expenses go on my capital venture card!

  • Vikki Baker

    Most companies I use do CC payments as money transfers which do not count twords points. The only ones I have found are cell phone, trash and water companies.

  • Kelly Turner

    You can’t pay credit with credit. That’s why something like an auto loan or home loan have to come out of an deposit account. Imagine someone in debt or with a spending problem putting things like this on credit. Also, if you do find a mortgage company that will allow credit card payments, they almost always process the payment as a cash advance. This means they are requesting cash instead of a point of sale purchase. Since it’s a cash transaction on a credit card, there are typically fees involved plus higher interest rates, and no rewards because it’s not a purchase. Water, gas, cable companies often run their payments as a one time P.O.S. because it’s something you have already consumed.

  • Kelly Turner

    You can’t use a credit card to pay credit. That’s why something like an auto loan or home loan have to come out of an deposit account. Imagine someone in debt or with a spending problem putting things like this on credit. Also, if you do find a mortgage company that will allow credit card payments, they almost always process the payment as a cash advance. This means they are requesting cash instead of a point of sale purchase. Since it’s a cash transaction on a credit card, there are typically fees involved plus higher interest rates, and no rewards because it’s not a purchase. Water, gas, cable companies often run their payments as a one time P.O.S. because it’s something you have already consumed.

  • DonThayer

    Yeah, the SPG card is one of my favorites too.

    You can also use the reward calculator at CreditCardTuneUp. com to find cards that will reward you more for your expenses.

  • Lisa

    You’ve really confused me there. I understand the Barclay math you did there (2 points per dollar hence $22,500 spent to reach the 45,000 points) but where did the $17,000 in spending come from with the Sapphire? You bought a $450 flight with only 17,000 points? Please explain. I’m considering between Sapphire and Barclay arrival+. I see them as both 2x points for every dollar. Plus you get an extra 10% miles earned back with Barclay when you redeem your miles for travel expenses.

  • someguy1081

    With the Barclay card you can only convert your points for statement credit, while with the Shappire card you can convert your points for both Statement credits and you can move them into partner rewards accounts – ie. Marriott, southwest, united, etc… So when I wrote that I had just transferred 17000 miles to my united account from shappire to book a flight. Had i booked the flight with cash, it would have cost me $450, but booking using united miles (the 17k i transferred from Shappire) it was only 17,000 points. Those 17000 points on Sapphire cost me at a maximum of $17,000 at 1 point/ $1, however about half of my monthly spend is dining out and travel (which is 2pnt/$1), so really that free $450 flight cost me a lot less than $17,000. The reason Sapphire is better because you can transfer to travel partners or just redeem for statement credit, while Barlcays only gives you statement credit. Essentially airlines and hotels a lot of time give more bang for the buck when redeeming their miles/points. I hope this helps clarify.

  • Lisa

    Thanks for the quick response! That makes perfect sense now. I don’t really travel often (but plan to start traveling more, including internationally) so I have no loyalty to any particular airline. I will do some research on airline rewards program comparisons to see if it would benefit me more to go the Sapphire route. Thanks again.

  • Amy Levin-Fay

    You should get the Chase Ink Bold or Plus 5X bonus on office supply stores and telecommunications with a 50K signup bonus.