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Best Travel Card for Beginners

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Anonymous
Not applicable

Re: Best Travel Card for Beginners

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.

Message 11 of 36
NRB525
Super Contributor

Re: Best Travel Card for Beginners

It's not really a recon, I and many others just SM them and got back a canned "Yes, you can ask for the 70,000 after meeting that spend requirement" message.

Given jsu notes, I'm going to ask for 70k after $1k.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 12 of 36
NRB525
Super Contributor

Re: Best Travel Card for Beginners


@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 13 of 36
jsucool76
Super Contributor

Re: Best Travel Card for Beginners


@NRB525 wrote:

@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.


It's no FTF, but doesn't offer EMV, making int'l use a bit of a hassle. 

 

 

Message 14 of 36
Anonymous
Not applicable

Re: Best Travel Card for Beginners

ThnxCat Tongue

 

This is a cool card!

Message 15 of 36
NRB525
Super Contributor

Re: Best Travel Card for Beginners


@jsucool76 wrote:

@NRB525 wrote:

@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.


It's no FTF, but doesn't offer EMV, making int'l use a bit of a hassle. 

 

 


Good point, however except for "local international airport" I did not get the impression OP is going to do any overseas travel.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 16 of 36
red259
Super Contributor

Re: Best Travel Card for Beginners


@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


Since you mention renting cars fairly often you may want to consider the arrival+ since its a world elite card (if you can rent with avis hertz, national or sixt). The reason being is that world elite will give you status with those rental companies which is a nice perk plus you can get anyone from 10-25% off rentals depending on the company you use. The AF isn't due the first year and if you rent often enough these dicounts and benefits alone can more than offset the AF. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 17 of 36
jsucool76
Super Contributor

Re: Best Travel Card for Beginners


@NRB525 wrote:

@jsucool76 wrote:

@NRB525 wrote:

@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.


It's no FTF, but doesn't offer EMV, making int'l use a bit of a hassle. 

 

 


Good point, however except for "local international airport" I did not get the impression OP is going to do any overseas travel.


Then FTF doesn't really play a role at all. 

 

Smiley Tongue 

Message 18 of 36
Anonymous
Not applicable

Re: Best Travel Card for Beginners


@jsucool76 wrote:

@NRB525 wrote:

@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.


It's no FTF, but doesn't offer EMV, making int'l use a bit of a hassle. 

 

 


There's that, and there's also the fact that while the QS has no FTF, the Arrival has other advantages over the QS as mentioned above.

 

Also, OP, what some people do is apply for the Arrival+ and then downgrade to the regular Arrival after a year or two (the annual fee is waived for the first year). The sign up bonus is very good on the Arrival+ so that might be worth looking into. (People used to do the same thing with the Chase Sapphire Preferred; use it for a year and then downgrade...unfortunately, Chase caught on and expired the regular Chase Sapphire card).

Message 19 of 36
red259
Super Contributor

Re: Best Travel Card for Beginners


@Anonymous wrote:

@jsucool76 wrote:

@NRB525 wrote:

@Anonymous wrote:

I second the no AF Arrival. It's a solid no AF travel card. No FTF, 2X points on travel and dining, 10% bonus redemption rate if you redeem for travel statement credits, and a decent sign up bonus to boot. Not too shabby.


The OP has Capital One, which I believe is consistently No FTF even on my no AF basic CapOne MC.


It's no FTF, but doesn't offer EMV, making int'l use a bit of a hassle. 

 

 


There's that, and there's also the fact that while the QS has no FTF, the Arrival has other advantages over the QS as mentioned above.

 

Also, OP, what some people do is apply for the Arrival+ and then downgrade to the regular Arrival after a year or two (the annual fee is waived for the first year). The sign up bonus is very good on the Arrival+ so that might be worth looking into. (People used to do the same thing with the Chase Sapphire Preferred; use it for a year and then downgrade...unfortunately, Chase caught on and expired the regular Chase Sapphire card).


I'm not sure if this is accurate. You can't app directly for the CS, but I have seen reports within the last few weeks of people still being able to downgrade from CSP to CS unless its been changed very recently. I'm not sure chase killed the CS due to people getting the CSP and then downgrading, because now what those same people will do is just cancel the CSP if they can't downgrade. If I had to guess Chase just wanted to reduce the number of products they had and the CS was unlikely to be a money maker compared to the CSP. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 20 of 36
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