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Valued Contributor
CreditScholar
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
Valued Contributor
FocusedAndDetermined
Posts: 6,386
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
Revelate
Posts: 9,549
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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
CreditScholar
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
Nyru
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.
Regular Contributor
jla84
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


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