No need if you don't travel. Travel cards are really for people who travel a lot, collect those points and then use those points. So unless you travel a lot you will find yourself spending on that card and not collecting enough points to do anything with it.
@Anonymous wrote:
Hey all. Quite happy with where I'm at, but had a financial advisor look at me like I'm nuts for not having a 'travel' credit card.. I seldom travel, and when I do its generally driving, pulling a boat, and staying at mom n pop resorts or more affordable hotel chains such as Holiday Inn, Country Inn and Suites, or Best Westerns...nothing im loyal to either. I understand the benefit of such a card if you actually travel. AFC credit, lounge access, and other perks can quickly offset the annual fee... but if I'm not buying any of those things or using them anyway, its not worth it, right? I get 3% back on Hotels, Airfare, Restaurants etc with my costco card and 4% on fuel with it.. (potentially more on one of those categories with my Discover It or Chase Freedom).. ..so I really wouldnt be gaining much on rewards either, right? I agree they can be extremely valuable to the right person, but not so much for me, right? Am I missing something? Thanks in advance.
No you're not missing anything.
It's your financial advisor who's missing something.
@SouthJamaica wrote:
@Anonymous wrote:
Hey all. Quite happy with where I'm at, but had a financial advisor look at me like I'm nuts for not having a 'travel' credit card.. I seldom travel, and when I do its generally driving, pulling a boat, and staying at mom n pop resorts or more affordable hotel chains such as Holiday Inn, Country Inn and Suites, or Best Westerns...nothing im loyal to either. I understand the benefit of such a card if you actually travel. AFC credit, lounge access, and other perks can quickly offset the annual fee... but if I'm not buying any of those things or using them anyway, its not worth it, right? I get 3% back on Hotels, Airfare, Restaurants etc with my costco card and 4% on fuel with it.. (potentially more on one of those categories with my Discover It or Chase Freedom).. ..so I really wouldnt be gaining much on rewards either, right? I agree they can be extremely valuable to the right person, but not so much for me, right? Am I missing something? Thanks in advance.No you're not missing anything.
It's your financial advisor who's missing something.
Agreed, might consider new advisor. 
As long as you have the cards that suits YOUR needs, that is all that matters. No need to carry excess cards in order to get an occasional small bonus.
