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Travel cards questions.

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Regular Contributor

Travel cards questions.

I got a question for travel cards I don't really travel a whole lot at least by airplane but when I do I'd like to build some miles you know something basic preferably no AF I don't have a preferred airline or loyalty or anything I was kinda looking at the AA mile up card from Citi but it doesn't have that great of spend categories anyways you guys have any suggestions?

Fico 8 scores 100% on time payments 18% utilization tu inquirys 5 eq inquirys 4 ex inquirys 11:
Ex: 726 tu: 716 eq: 718
Aaoa is only 9months
Discover it cash back: $4500

Citi double cash: $1000
Fingerhut account: $800
Google store card : $1500
Amazon prime store card: $800
Citi AA Mile Up:$3700
American Express everyday: $2000
American Airlines WEMC: $6300
17k auto loan 6 year 10.99% interest loan
Gardening since: 04/30/19
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Super Contributor

Re: Travel cards questions.

I don't think no-AF airline cards are particularly worthwhile. You get the downside of inflexible rewards and a smallish bonus without a good earning rate or any decent perks to make the inflexibility worthwhile.

 

Better to get something with a ~$100 AF (possibly waived the first year) and a decent bonus (worth $500+). You can always downgrade or close the account if you don't find the AF worthwhile after a year or two. Also, some of the AF cards can bring retention offers to negate the AF.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCP, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
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Valued Contributor

Re: Travel cards questions.

Get a Wells fargo propel for yourself and get a wells fargo visa signature for whoever you trust.

 

Wide range of categories for up to ~5% earning. No AF.

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