My Top 3 Credit Cards for Travel

Credit cards can be your best friend or your worst enemy. For me, they have proven to be both! Before this past year, I had the most basic credit card that had its perks and was great for someone who had never owned a regular credit card.

I know looking at all the credit cards out there can be a bit intimidating, so I wanted to offer some insight on the credit cards I have personally owned and what their pros and cons are. There are a million other cards out there, but a girl can only have so much plastic!

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Citizens Bank Cash Back Plus World MasterCard

Before this past year, I only had this credit card in addition to all the store cards that I got sucked into. I figured why not get rewarded with money back every time I spent it?!

Pros

  • 1.8% cash back on every single purchase. Go to Starbucks all the time or fill up your gas tank? You get 1.8% back on it. It builds up in this rewards account so you forget you are letting these savings build up and then you get this glorious e-mail telling you the points you have.
  • No foreign transaction fees
  • No annual fee
  • 0% APR for the first 15 months

Cons

  • No rewards directly related to travel
  • No major travel protection

Now don’t get me wrong, this card is pretty awesome. I have redeemed a ton of cash back but I wanted something more. With all the traveling I do, I figured it was time to invest in a card that would reward me for traveling. I have used two but I will start with the first one.

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Chase Sapphire Preferred

I researched the card for about six months before taking the plunge and applying. I was ecstatic when I got approved just knowing all the trips I could potentially take for free in the future.

Pros

  • 2 points per $1 spent on travel and restaurants and 1 point per dollar for all other purchases
  • 50,000 point bonus when you spend $4,000 in the first 3 months
  • Points redeems for travel get 1.25 points (25% more) per 1 point redeemed
  • Included travel insurance (cancellation, interruption, delay, and baggage delay)
  • Primary car rental insurance included
  • No foreign transaction fees

Cons

  • Annual fee is $95 per year
  • High APR (16.74% to 23.74%)

Being rewarded for spending money on food and travel?! I did not think that there could be a better credit card for me! The APR is a bit high, which I am not a fan of, but the perks were amazing. SO MANY POINTS! If you are interested in applying for this card, make sure to contact me here.

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Chase Sapphire Reserve

This card was released within a week of me getting the Chase Sapphire Preferred and I was devastated as this card was so much more of what I wanted in a credit card. I waited and waited and waited to make sure I ‘liked’ the Preferred before applying for the Reserve. The crazy thing is, I loved the Preferred before I even used it so the Reserve was love at first sight. I became obsessed with wanting the card until one day they announced that it was the last day of the 100,000 sign up bonus.

Pros

  • $300 annual travel can (flights, car rentals, hotels, parking)
  • 3 points per $1 spent on travel and restaurant purchases and 1 point per $1 spent on all other purchases
  • Points redeems for travel get 1.5 points (50% more) per 1 point redeemed
  • Access to over 900 airport lounges where there is free food, drinks, and adult beverages
  • No foreign transaction fees
  • Included travel insurance (cancellation, interruption, delay, and baggage delay)
  • Primary car rental insurance included
  • Full access to the Visa Infinite Concierge who can book music or sporting events, dinner reservations, and so much more!

Cons

  • $450 annual fee
  • High APR (16.74% to 23.74%)
  • Same bonus points incentive as the Preferred (50,000 points if $4,000 spent in first 3 months)

One more thing I just want to throw out there for the Chase Sapphire cards; they are made of a heavier material so you feel like a boss when you hand them over to a cashier. You just feel like you’re getting richer (even though this is not the case) every time you use these cards.

So with these three cards in mind, here is how I would determine which one is best for you:

  1. If you travel a lot or plan on doing a lot of travel in the near future, Chase Sapphire Reserve would be the best route for you to go. If you are traveling a lot, why not take advantage of all these amazing reward opportunities!
  2. If you plan on taking a couple domestic trips, maybe one international trip, then the Chase Sapphire Preferred card would be your best option as you do not have the high annual fee, but you still get some great perks that will be good for when you do travel.
  3. If you are not big on traveling (get on a plane once a year), then the Citizens Bank Cash Back would be the best option. There is no annual fee and you are still rewarded for using the card with cash back. I have not found any other cards with a higher cash back rate without it being a monthly or quarterly incentive (ex: 5% cash back January-March on groceries).
*None of the photos in the post are mine.

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justyoumeandtheworld

Hi! I'm Amy, an Upstate New York native and now a Boston, Massachusetts transplant! I currently work in the travel industry and have expanded my love of travel with this travel blog and planning trips all around the world. I still have so many places I want to visit but for now, you can read about my adventures !

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