Travel Credit Cards

Travel credit cards have tons of benefits outside of just being a credit card. Two of the biggest benefits include points and travel insurance. The two credit cards that I recommend are the American Express Platinum card and the Chase Sapphire Reserve card. Both of these cards have travel insurance included when you book your travel with the card to cover travel delays, covered trip cancellations and more, be sure to check the cards exact policy for what it covers. Both of these credit cards also have travel portals where you can accumulate and spend points that you have earned from purchases made with your credit card. Be careful though as these portals are not always the best place to spend your points. Both credit cards have transfer programs where you can transfer points to affiliate programs which sometimes offer better transfer rates than just 1:1.

The credit card benefits don’t stop there though. Check out below for each cards specific benefits.

 

Benefits

  • Earn 60,000 points when you spend 4,000 in the first 3 months your account is open
  • $300 Travel Credit – Get reimbursed for up to $300 in travel purchases each year
  • 10x points on hotels, rental cars and lyft rides
  • 5x points on flights
  • 3x points on travel and dining 
  • $100 statement credit every 4 years for reimbursement of Global Entry, TSA PreCheck or NEXCUS application fee
  • No foreign transaction fees
  • Complimentary DashPass membership for Door Dash which includes no delivery fees and lower service fees
  • $15 in stements credits each month for Instacart+ for 1 year
  •  Priority Pass Select membership and Sapphire Lounge by the Club access allowing access to airport lounges many of which include complimentary food and drinks
  • Trip Cancellation/Interruption Insurance
  • Auto Rental Collision Damage Waiver which provides up to $75,000 reimbursement for theft and collision damage on rental cars

Cons

  •  $550 Annual Fee
  • This is a charge card and must be paid off in full each month to avoid a 22-29% interest rate
Click here to apply

 

Benefits

  • Earn 80,000 points after you spend $8,000 in your first 6 months of card membership
  • 5x points on flights and prepaid hotels
  • $200 in statement credits each year on select prepaid hotels booked through American Express Travel using your card
  • $240 Digital entertainment  credit broken up in $20 backe ach month on eligible purchases made on one or more of the following : Disney+, Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and the Wall street Journal
  • $155 walmart + credit broken up into $12.95 each month to cover Walmart plus membership (side note- you can get paramount + membership for free with a walmart+ membership)
  • Access to the Global Lounge Collection at more than 1,400 airport lounges across more than 140 countries
  • $200 in Uber cash broken up into $15 each monthplus a bonus $20 in December
  • $200 Airline Fee Credit per calendar year for incidental fees charged by a selected airline fo your choice
  • $100 Saks fifth Avenue credit broken up as $50 dollars January-June and $50 July-December (We love to use this credit to buy Bombas Socks)
  • $189 Clear Plus Credit after you pay for CLear Plus with your platinum card

Cons

  • $695 Annual Fee
  • This is a charge card and must be paid off in full each month to avoid a 21-29% interest rate
Click here to apply

Although all three of these cards have high annual fees we believe that these fees are not only paid for by the statement credits you receive but also by the points you earn. We have paid for mulitple trips using 90% points and would love to show you how! Reach out with any questions. 

Bonus card

American Express Gold Card

Benefits

  •  Earn 60,000 Points after you spend $6,000 in eligible purchases on your Gold card with in the first 6 months
  • $120 Uber cash of $10 each month (stacked ontop of the credits you get from your Platinum card)
  • 4x Points on groceries and restaruaunts

All points are combined with the points you earn from your Platinum card. The gold card is a great way to grow your poinnts bank. 

Cons

  • $250 annual fee
  • This is a charge card and must be paid off in full each month to avoid a 21-29% interest rate
Click here to apply