CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (2024)

Of course, there are many travel cards out there, but these are just a couple of the best travel credit card options. Even the big names speak of these too!

However, there’s one that stands out of the crowd as being one of the best travel credit cards for newer travel credit card users.

As always, I’m only sharing what I truly stand by what I use, and one that would be easy for you to use!

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WHY TO HAVE A TRAVEL CREDIT CARD

Well, those who travel or are wanting to travel could greatly miss out on the opportunities for free flights, rewards points, dining discounts, and actually quite a bit more.

In fact, with each purchase you’ll be able to earn rewards points that relatively ends up getting reverted into a dollar amount, that can then be directly used through the credit card companies’ site.

So, that also means that you don’t need to even go through a 3rd party oftentimes and can simply just book through the chase website itself.

One of the biggest and most amazing reasons the Chase Sapphire Preferred is the best travel credit card choice is because the points are worth 25% more when utilized towards travel. Whoo-hoo!

As someone who often flies, I’ve found these benefits to be incredibly awesome for scoring free flights!

CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (1)

TRAVEL CREDIT CARD BENEFITS

Now, more than ever, credit cards are so extremely universal in the ways that they can be used and what they have to offer. Thankfully, the benefits for these cards are absolutely amazing in comparison.

Below are some major benefits to having the Chase Sapphire Preferred Card alone are:

Allow me to elaborate:

  • Free Flights, stays,
  • Fraud purchase coverage
  • Trip Cancellation/Interruption Insurance
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Insurance
  • Trip Delay Reimbursem*nt
  • Travel and Emergency Assistance Services
  • Extended Warranty Protection
  • Purchase Protection from damages or theft
  • 24/7 customer service
  • No foreign transaction fees (A lot of credit cards have this, except this one!)
Learn more about benefits and information on rates and fees here.

Although this Chase Freedom Unlimited Credit Card below isn’t the best for travel, it is a great card for other expenses and is an incredibly easy card to get rewards points on. In fact, those rewards points can also be used towards travel, but this card just doesn’t have as good of an earning ratio on points for travel, as it does for everything else outside of travel expenses.

I personally use this Chase Freedom Unlimited Credit Card for everyday purchases, groceries, and more.

I’ve also added some major benefits to having the Chase Freedom Unlimited card as well:

  • 24/7 customer service
  • Cash back rewards do not expire
  • No annual fee
  • Zero Liability Protection
  • Purchase Protection
  • Extended Warranty Protection
  • Trip Cancellation/Interruption Insurance
  • 24/7 Fraud Protection
  • Fraud Alerts
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Access to on hand crest checks that won’t impact credit score
Learn more about benefits and information on rates and fees here.

However, it’s still worth mentioning because the points on this card can still be used towards travel overall. When I’ve used up all my points for trips on one card, I’ll use up the points on the other one also.

As you can see, each one has it’s own set of benefits, the Chase Sapphire Preferred card has a very specific set of travel benefits. Whereas the Chase Freedom Unlimited has a bit more protection around everyday purchases, but light travel.

WAYS TO EARN POINTS & REWARDS

CHASE SAPPHIRE PREFFERED CREDIT CARD

  • Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.*
  • Earn 5x total points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit.
  • Earn 2x on other travel purchases.
  • Earn 3x points on dining, including eligible delivery services, takeout and dining out.
  • Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • Earn 3x points on select streaming services.
  • Plus, earn 1 point per dollar spent on all other purchases.*

The best part is, that even on non-travel purchases, we still earn points. Truthfully, not all companies are like that, some will only give you points or rewards on just travel related purchases.

CHASE FREEDOM UNLIMITED CREDIT CARD

  • Earn 5% on travel purchased through Chase Ultimate Rewards.*Same page link to Offer Details
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.*Same page link to Offer Details
  • Earn 3% on drugstore purchases.*Same page link to Offer Details
  • Earn 1.5% on all other purchases.*
CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (4)

CURRENT CREDIT CARD OFFERS

Overall, the Chase Sapphire credit card is a great travel credit card for newbies or even those looking to simplify their points & rewards.

All while having a very low annual fee compares to other travel credit cards that have a general annual fee of $350+

OFFER: 80,000 bonus points

Annual Fee: $95

Bonus Value: Approximately $1,000

Moreover, the Chase Freedom Unlimited credit card is an easy to use and great cash-back card.

Also, a major plus is that this card has no annual fee!

OFFER: $200 bonus plus 5% gas station cash back offer

Annual Fee: None

Bonus Value: $200

Also, here are some other raving reviews for the card mentioned on their website as well. Not to mention, I’ve found it even the most iconic travel bloggers using it and recommending it too!

But I must mention that I’ve had this credit card way before I had known about them though, so if we’ve all come to the decision on our own about this card being a great one, then I’m pretty sure we’ve made the choice collectively with this is one of the best travel credit card options out there.

In general, if you’re going to use a credit card, why not choose something that’s going to support your desires?!

Now that you’ve gotten the basics of ways to get travel points, it’s time to get out there and earn some points and awesome travel perks!

GET THE CHASE SAPPHIRE PREFFERED CARD HERE!

Disclosure: Please understand that the best way to utilize a credit card is to pay it off every single month, and understand that interest will accrue when the balance isn’t fully paid

CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (2024)

FAQs

CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity? ›

Overall, the Chase Sapphire credit card is a great travel credit card for newbies or even those looking to simplify their points & rewards. GET CHASE SAPPHIRE PREFERRED OFFER HERE! Moreover, the Chase Freedom Unlimited credit card is an easy to use and great cash-back card.

What credit card is best for beginners? ›

8 Best beginner credit cards
  • Chase Freedom Rise℠ Credit Card: Winner for best credit card for beginners.
  • Discover it® Miles: Best travel credit card for beginners.
  • Discover it® Student Cash Back: Best starter credit card for students.
4 days ago

When deciding to choose a credit card you should look for one with? ›

Here's a checklist of some things to look at when you choose a credit card:
  • Annual Percentage Rate (APR). This is the cost of borrowing on the card, if you don't pay the whole balance off each month. ...
  • minimum repayment. ...
  • annual fee. ...
  • charges. ...
  • introductory interest rates. ...
  • loyalty points or rewards. ...
  • cash back.

Is it a good idea to use a credit card when traveling? ›

Credit cards typically provide better exchange rates than what you'll get from ATM machines and currency stands. Depending on your card issuer, your purchases might automatically qualify for insurance. This coverage doesn't simply apply to consumer goods — it also covers travel delays and lost luggage.

Which card is probably best for frequent international travelers wanting elevated travel benefits? ›

Best Credit Cards for International Travel From Our Partners
Credit cardNerdWallet rating
Chase Sapphire Preferred® Card Apply Now on Chase's website on Chase's website5.0/5 Best for Flexibility and value
Chase Sapphire Reserve® Apply Now on Chase's website on Chase's website5.0/5 Best for Flexibility and high-end perks
5 more rows

What is the number 1 rule of using credit cards? ›

The best way to use a credit card is to avoid paying interest by paying off the balance every month on time. Interest rates, known with credit cards as annual percentage rates, apply to purchases, cash advances and balance transfers for most credit cards.

What type of credit card should you apply for first? ›

Best if you have no credit history

Those who've avoided credit cards because of a lack of credit history or a poor credit score, should opt for a “secured” card. These credit cards require an upfront deposit to use, which acts as your credit limit and lessens the risk to card issuers of extending you a line of credit.

How do I know which credit card is best for me? ›

Factors to-Consider while choosing the right credit card
  1. Top 3 Factors To Consider While Choosing The Right Credit Card.
  2. What is your lifestyle?
  3. What features do you want?
  4. How much are you willing to pay?

Is it better to have 3 credit cards or 1? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

What are three factors you should consider when selecting a credit card? ›

Some things to consider when choosing a credit card is their interest rate, any annual fees or foreign transaction fees they may offer, and their late payment fees. There are a few types of credit cards to consider, the most common being rewards cards, low-interest cards, and student cards.

Is it worth getting a travel card? ›

Travel cards are ideal for aspirational travelers who can frequently tap into the card's benefits and value on flights and hotels. Consider whether points, miles or alternative rewards like cash back could get you where you want to go.

What are the benefits of using a travel card? ›

A benefit of using a travel card is the ability to earn rewards such as airline miles, hotel points, or cashback on travel-related purchases. These rewards can be redeemed for flights, hotel stays, upgrades, or even statement credits, helping travelers save money.

What is the difference between a travel card and a credit card? ›

The foreign exchange rate is locked once your Forex Travel card is loaded. Whereas credit cards use the real-time rates of exchange during the transaction. It actually can affect your travel budget significantly as the rates are out of your control. Forex card saves you from future fluctuations of currency.

What is the best credit card to use while traveling? ›

Chase Sapphire Preferred® Card: Best feature: Travel rewards. Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. U.S. Bank Altitude® Connect Visa Signature® Card: Best feature: Travel portal bonus points. Delta SkyMiles® Blue American Express Card: Best feature: Delta Air Lines rewards.

What is the most accepted credit card for international travel? ›

Show summary
  • Winner for best credit card for international travel: Chase Sapphire Preferred® Card.
  • Best no annual fee credit card for international travel: Capital One VentureOne Rewards Credit Card (See rates & fees)
  • Best card for international travel and lounge access: The Platinum Card® from American Express.

Which is the best card for international travel? ›

Top International Travel Credit Cards in 2024
  • HDFC Infinia Credit Card. Joining/Annual Fee: Rs. ...
  • ICICI Emeralde Private Metal Credit Card. ...
  • YES Marquee Credit Card. ...
  • SBI Elite Credit Card. ...
  • AU Zenith+ Credit Card. ...
  • HDFC Regalia Gold Credit Card. ...
  • Standard Chartered EaseMyTrip Credit Card. ...
  • IDFC First Wealth Credit Card.
4 days ago

What is a good credit card to start credit? ›

Best Credit Cards for Building Credit of August 2024

Discover it® Student Cash Back: Best feature: Student rewards. Discover it® Student Chrome: Best feature: Rewards for students. Capital One Quicksilver Secured Cash Rewards Credit Card: Best feature: Cash back rewards.

Which card is easiest to get approved for? ›

Easiest credit cards to get approved for
  • Best for unsecured card: Capital One Platinum Credit Card.
  • Best for students: Discover it® Student Cash Back.
  • Best for no annual fee: Citi Double Cash® Card.
  • Best student dining card: Capital One SavorOne Student Cash Rewards Credit Card.

Which credit card to clear first? ›

Pay off high-interest credit cards first

Paying off the debt on the card with the highest interest rate first is one method to reduce credit card debt. This is called the “debt avalanche method.”

What is a good line of credit for a first credit card? ›

If you're just starting out, a good credit limit for your first card might be around $1,000.

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