Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Best rewards card for "lite" travelers

As a general rule cash back cards are good for light travelers, but you may also want to look into a card with <$100 AF like the United Explorer. If you travel even 4 times a year, the free checked bags will already save you more than the AF. Delta and American have similar cards as well, so if you use one airline consistently you might want to look into this. Also the Hilton Reserve by Citi will offer free breakfast and Internet, which can easily run $25-40 per night depending on what property you stay at. Yes it has an AF, but it could be worth it if you're brand-loyal.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Senior Contributor
Posts: 7,495
Registered: ‎01-05-2013
0

Re: Best rewards card for "lite" travelers


CreditScholar wrote:
As a general rule cash back cards are good for light travelers, but you may also want to look into a card with <$100 AF like the United Explorer. If you travel even 4 times a year, the free checked bags will already save you more than the AF. Delta and American have similar cards as well, so if you use one airline consistently you might want to look into this. Also the Hilton Reserve by Citi will offer free breakfast and Internet, which can easily run $25-40 per night depending on what property you stay at. Yes it has an AF, but it could be worth it if you're brand-loyal.

Thanks, I will look into these cards.

 

Looks like a spreadsheet is needed to compare benefits vs AFs.

Moderator Emeritus
Posts: 12,937
Registered: ‎12-30-2011
0

Re: Best rewards card for "lite" travelers

BOFA Travel Rewards.

$0 AF, not tied to any given airline.
Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Best rewards card for "lite" travelers


FocusedAndDetermined wrote:

CreditScholar wrote:
As a general rule cash back cards are good for light travelers, but you may also want to look into a card with <$100 AF like the United Explorer. If you travel even 4 times a year, the free checked bags will already save you more than the AF. Delta and American have similar cards as well, so if you use one airline consistently you might want to look into this. Also the Hilton Reserve by Citi will offer free breakfast and Internet, which can easily run $25-40 per night depending on what property you stay at. Yes it has an AF, but it could be worth it if you're brand-loyal.

Thanks, I will look into these cards.

 

Looks like a spreadsheet is needed to compare benefits vs AFs.


You may also want to look at some of the hotel cards that offer a free night annually. This will easily compensate for the AF and then some. Chase's Marriott Premier, Hyatt and Priority Club all fall into this space. US Bank's Club Carlson offers 40k points annually upon renewal, which essentially does the same thing.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Member
Posts: 37
Registered: ‎03-11-2013
0

Re: Best rewards card for "lite" travelers

Consider the chase Hyatt card. I've had the chase hyatt card for about a year now. There are two free nights, plus 2 free upgrades, and a free room once a year (anniversary). That makes up for the $75 AF. 

 

As far as the perks, whenever I've given my hyatt number to the hotels, I've literally always been given a free room upgrade. On New Years, I received an upgrade at the downtown hyatt hotel in Chicago, to  a junior sweet for free. Don't be afraid to ask for upgrades to rooms!

 

I'm a "lite" traveller too. In fact, most of my hyatt stays have been with my girlfriend for weekend getaways in the city.

Starting Score (2/15/13): EX (fako) 583// EQ FICO 634// TU FICO 658
Current Score (5/27/14): EX FICO 719// EQ FICO 742// TU FICO 729
Goal Scores: 740 on all.
CSP- 10K, United mileage explorer- 9k, Freedom- 5k, Barclays Arrival+ W.E.- 5k, Nordstrom- 6k, Chase Hyatt- 5k, Discover it- 5k, Slate- 4.5k, Amex Blue Cash- 1k.
Highlighted
Regular Contributor
Posts: 249
Registered: ‎07-21-2011
0

Re: Best rewards card for "lite" travelers

If your scores are super good, I would recommend PenFed Travel Rewards. I'm a pretty light traveler (fly maybe 2-3 times a year) and I love it.  5X points on flights. I used the sign up bonus for a r/t flight NY->FL two years ago (which also covered taxes and fees!), and I almost have enough points for another free flight. $0 AF too. 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.