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Isi Kandungan
Business Travel Rewards Credit Card
Here in the US – as well as much of Europe – cash is no longer king. Credit cards have stolen that title and people are using them to pay for everything from new cars to packs of gum.
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We love credit cards in the US. You see ads for them plastered all over the city, on TV and online. Your bank will call and email you with credit card offers. I can’t count how many unsolicited card offers I get in the mail – and no matter how many times I tell them to stop sending me them, they just keep flooding in!
These days, there are hundreds of travel rewards credit cards. With so many cards to choose from, it can be hard to know which ones are good for travel and which ones aren’t worth your time.
Trying to navigate all the welcome offers, loyalty programs, perks, offers, secret rules and hidden fees of credit cards can be especially confusing.
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It’s so complicated that most people just pick the first one they see and call it a day. Or, worse, they give up and use a debit card instead!
Travel credit cards are a fantastic tool you can use to earn free flights, travel perks and hotel stays – and all without spending extra money.
In this article, I’m going to tell you how to easily choose the best credit card for travel so you can maximize your points and earn free travel – because it’s easier than you think!
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Don’t want to read this entire post? Fine. I understand. Time is important! So here’s my quick list of favorites by category!
Travel credit cards offer a great opportunity to earn free points that can be redeemed for airfare, hotels or cold hard cash. In the race to acquire customers, credit card issuing companies are partnering with various travel brands (or simply offering their own card) to entice customers with a welcome offer, loyalty points, special discounts and more.
Their desire to acquire you, the customer, is really your gain. By participating in the system, you can get tons of free flight tickets, hotel rooms, vacations and even cash back.
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I have collected almost one million points just through the welcome offers. I get a lot of points every year; It would take a whole book to list them for you.
And, as long as you can pay off your credit card every month, you’ll earn points and miles that can be redeemed for free travel.
The first thing you need to know is that there is no perfect travel card. Each card offers different benefits to suit different lifestyles, budgets and travel goals.
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I use an AMEX card for booking flights (3x points per dollar spent), card_name for my everyday spending, a different Chase card (5x points) for my phone bills, and card_name for my business expenses! I have friends who want cash back and others who only want United Miles.
Are you interested in brand loyalty, free rewards or avoiding fees? Do you want to get rewards and welcome offers to get free flights, or do you want a card that doesn’t charge fees for use at that restaurant in Brazil?
Is elite status the most important perk for you? Want points you can use for something like cash?
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If you want to spend points where you choose, get Chase or American Express cards because you can use their points with different travel companies. They each have their own rewards programs (Chase Ultimate Rewards and American Express Membership Rewards), and points can be transferred to multiple airline or hotel partners and used to book travel directly through their sites.
I don’t like cashback cards because I find the points — not the cashback — more useful for frequent travelers.
I try to use credit cards that give me airline miles or have good transfer bonuses for airline programs.
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Find your goal and then find cards that match your goal as well as your spending habits. By focusing on what you want first, you can maximize your short-term goals.
Comparing credit cards can be a bit overwhelming. To help you stay focused and get the best card for you and your goals, here are six things I look for in a new card:
1. Huge welcome offer — The best travel cards give you a substantial introductory offer. You’ll need to meet a minimum spending requirement (usually within the first few months), but these welcome points will start your mileage account and get you closer to a free flight or hotel stay.
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Sometimes these offers are big enough to get you some free flights for free! Don’t sign up for a card unless it offers a great welcome offer.
As a general guide, welcome offers work like this: to receive the big introductory offer, you must make a single purchase or meet a minimum spend threshold within a certain time period. After that, depending on the card, you can earn 1-5x points per dollar spent.
Typical travel credit card welcome offers range from 40,000 to 60,000 points, but sometimes they can be as high as 100,000. That’s why the cards are so great—you get an instant balance of thousands of points for very little work.
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If you’re not sure you’ll meet the minimum threshold for the welcome offer, ask any friends or family members to see if they’re planning a big purchase. If they let you put it on your card (and then pay you cash) you can easily meet the minimum spend threshold to earn your welcome points.
2. Added Category Spend Bonus – Most credit cards offer one point for every dollar spent. However, good credit cards offer extra points when you shop at specific retailers or, if it’s a branded credit card, with a specific brand. It helps you earn points very quickly.
I don’t like that one dollar equals just one point. I want the ability to earn two or three points every time I spend a dollar.
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For example, with card_name you get 3x points on travel and dining at restaurants, card_name gives you 5x points on office expenses and the American Express® Gold Card offers 3x points on airfare (when booked directly or on amextravel.com). I can get added points when I use a company card to book with that company (ie Delta flights with a Delta card).
That’s what you want. Never accept one point per dollar spent. Look for at least two. (Some cards even offer 6 points per dollar spent.)
3. Low Spending Minimums — Unfortunately, in order to get the great bonuses these cards offer, there is usually a minimum spending requirement. While there are ways to temporarily increase your spend, it’s best to claim the bonus using a normal daily spend. I usually sign up for cards with a minimum spend of $1,000–3,000 USD over a three to six month period.
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Some cards only require you to make one purchase to activate the welcome offer (these are my favorite welcome offers).
While you shouldn’t necessarily avoid high-minimum spend cards because they have significant rewards, it’s a good idea to start small because you don’t want to be stuck with too many cards that don’t meet the minimum spend. Once you get the card, you cannot reapply for the card. Only apply for cards where you can meet the minimum spend to qualify for the welcome bonus.
Maintaining your ability to meet minimum spend requirements is critical because if you spend more money than you normally would to earn these points, the points are no longer free. Spend only what you normally would and not a penny more.
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If you’re looking for ways to meet your minimum spending requirements, there are plenty of creative ways to become a master of the points and miles game. Check out my guide for smarter ways.
4. Have special travel perks – All these travel credit cards offer great perks. Many offer you special elite loyalty status or other extra perks. Here are the perks I prefer:
Using travel credit cards isn’t just about earning points and miles, it’s about what else comes with these cards.
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