CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (2024)

Of course, there are many travel cards out there, but these are just a couple of the best travel credit card options. Even the big names speak of these too!

However, there’s one that stands out of the crowd as being one of the best travel credit cards for newer travel credit card users.

As always, I’m only sharing what I truly stand by what I use, and one that would be easy for you to use!

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WHY TO HAVE A TRAVEL CREDIT CARD

Well, those who travel or are wanting to travel could greatly miss out on the opportunities for free flights, rewards points, dining discounts, and actually quite a bit more.

In fact, with each purchase you’ll be able to earn rewards points that relatively ends up getting reverted into a dollar amount, that can then be directly used through the credit card companies’ site.

So, that also means that you don’t need to even go through a 3rd party oftentimes and can simply just book through the chase website itself.

One of the biggest and most amazing reasons the Chase Sapphire Preferred is the best travel credit card choice is because the points are worth 25% more when utilized towards travel. Whoo-hoo!

As someone who often flies, I’ve found these benefits to be incredibly awesome for scoring free flights!

CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (1)

TRAVEL CREDIT CARD BENEFITS

Now, more than ever, credit cards are so extremely universal in the ways that they can be used and what they have to offer. Thankfully, the benefits for these cards are absolutely amazing in comparison.

Below are some major benefits to having the Chase Sapphire Preferred Card alone are:

Allow me to elaborate:

  • Free Flights, stays,
  • Fraud purchase coverage
  • Trip Cancellation/Interruption Insurance
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Insurance
  • Trip Delay Reimbursem*nt
  • Travel and Emergency Assistance Services
  • Extended Warranty Protection
  • Purchase Protection from damages or theft
  • 24/7 customer service
  • No foreign transaction fees (A lot of credit cards have this, except this one!)
Learn more about benefits and information on rates and fees here.

Although this Chase Freedom Unlimited Credit Card below isn’t the best for travel, it is a great card for other expenses and is an incredibly easy card to get rewards points on. In fact, those rewards points can also be used towards travel, but this card just doesn’t have as good of an earning ratio on points for travel, as it does for everything else outside of travel expenses.

I personally use this Chase Freedom Unlimited Credit Card for everyday purchases, groceries, and more.

I’ve also added some major benefits to having the Chase Freedom Unlimited card as well:

  • 24/7 customer service
  • Cash back rewards do not expire
  • No annual fee
  • Zero Liability Protection
  • Purchase Protection
  • Extended Warranty Protection
  • Trip Cancellation/Interruption Insurance
  • 24/7 Fraud Protection
  • Fraud Alerts
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Access to on hand crest checks that won’t impact credit score
Learn more about benefits and information on rates and fees here.

However, it’s still worth mentioning because the points on this card can still be used towards travel overall. When I’ve used up all my points for trips on one card, I’ll use up the points on the other one also.

As you can see, each one has it’s own set of benefits, the Chase Sapphire Preferred card has a very specific set of travel benefits. Whereas the Chase Freedom Unlimited has a bit more protection around everyday purchases, but light travel.

WAYS TO EARN POINTS & REWARDS

CHASE SAPPHIRE PREFFERED CREDIT CARD

  • Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.*
  • Earn 5x total points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit.
  • Earn 2x on other travel purchases.
  • Earn 3x points on dining, including eligible delivery services, takeout and dining out.
  • Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • Earn 3x points on select streaming services.
  • Plus, earn 1 point per dollar spent on all other purchases.*

The best part is, that even on non-travel purchases, we still earn points. Truthfully, not all companies are like that, some will only give you points or rewards on just travel related purchases.

CHASE FREEDOM UNLIMITED CREDIT CARD

  • Earn 5% on travel purchased through Chase Ultimate Rewards.*Same page link to Offer Details
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.*Same page link to Offer Details
  • Earn 3% on drugstore purchases.*Same page link to Offer Details
  • Earn 1.5% on all other purchases.*
CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (4)

CURRENT CREDIT CARD OFFERS

Overall, the Chase Sapphire credit card is a great travel credit card for newbies or even those looking to simplify their points & rewards.

All while having a very low annual fee compares to other travel credit cards that have a general annual fee of $350+

OFFER: 80,000 bonus points

Annual Fee: $95

Bonus Value: Approximately $1,000

Moreover, the Chase Freedom Unlimited credit card is an easy to use and great cash-back card.

Also, a major plus is that this card has no annual fee!

OFFER: $200 bonus plus 5% gas station cash back offer

Annual Fee: None

Bonus Value: $200

Also, here are some other raving reviews for the card mentioned on their website as well. Not to mention, I’ve found it even the most iconic travel bloggers using it and recommending it too!

But I must mention that I’ve had this credit card way before I had known about them though, so if we’ve all come to the decision on our own about this card being a great one, then I’m pretty sure we’ve made the choice collectively with this is one of the best travel credit card options out there.

In general, if you’re going to use a credit card, why not choose something that’s going to support your desires?!

Now that you’ve gotten the basics of ways to get travel points, it’s time to get out there and earn some points and awesome travel perks!

GET THE CHASE SAPPHIRE PREFFERED CARD HERE!

Disclosure: Please understand that the best way to utilize a credit card is to pay it off every single month, and understand that interest will accrue when the balance isn’t fully paid

CHOOSING THE BEST TRAVEL CREDIT CARD - FOR NEWBIES AND THE MAJOR BENEFITS OF HAVING ONE! - Manifesting Serenity (2024)

FAQs

What credit card is best for beginners? ›

Best First Credit Cards
  • Chase Freedom Rise®: Best for Rewards on an Unsecured Card.
  • Capital One QuicksilverOne Cash Rewards Credit Card: Best First Card for Travelers.
  • Citi Custom Cash® Card: Best for Flexible Cash Back.
  • Citi Double Cash® Card: Best Flat-Rate Cash-Back Card.
3 days ago

What is the benefit of having a credit card and choosing one wisely? ›

Credit cards offer the ultimate convenience and flexibility, allowing you to make purchases anytime, anywhere, without having to carry cash. They can be a lifesaver in case of emergency expenses, such as unexpected purchases or medical bills, when your account balance is low or cash payment is simply not an option.

What should you consider when trying to choose the best type of credit card for you and your situation? ›

Look for a card that delivers the highest rewards for the categories you spend the most on. If you're a big spender, consider getting a card with an annual fee, if your rewards earnings would offset the cost. If you're planning to use the card abroad, look for one with no foreign transaction fees.

What is the #1 credit card to have? ›

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

What is the number 1 rule of using credit cards? ›

Pay your balance every month

Paying the balance in full has great benefits. If you wait to pay the balance or only make the minimum payment it accrues interest. If you let this continue it can potentially get out of hand and lead to debt. Missing a payment can not only accrue interest but hurt your credit score.

What type of credit card should you apply for first? ›

Best if you have no credit history

Those who've avoided credit cards because of a lack of credit history or a poor credit score, should opt for a “secured” card. These credit cards require an upfront deposit to use, which acts as your credit limit and lessens the risk to card issuers of extending you a line of credit.

What are three factors you should consider when selecting a credit card? ›

Some things to consider when choosing a credit card is their interest rate, any annual fees or foreign transaction fees they may offer, and their late payment fees. There are a few types of credit cards to consider, the most common being rewards cards, low-interest cards, and student cards.

How do I choose the right credit card for me? ›

Factors To Consider When Choosing a Credit Card
  1. Welcome Bonuses. Many credit cards come with welcome bonuses to entice potential new customers. ...
  2. Rewards. ...
  3. Perks and Benefits. ...
  4. Annual Fees. ...
  5. Interest Rates.
May 31, 2024

Is a travel card worth it? ›

Travel cards offer several advantages that a credit card can't compete with, including the ability to load multiple foreign currencies, secure PIN protection, locked-in exchange rates, no foreign transaction fees, online account management, and the option for emergency assistance.

What are the three top credit cards? ›

Best credit cards of August 2024
  • Best for dining and entertainment: Capital One SavorOne Cash Rewards Credit Card.
  • Best for point value: Chase Sapphire Preferred® Card.
  • Best overall: Wells Fargo Active Cash® Card.
  • Best for rotating categories: Discover it® Cash Back.
  • Best for long intro APR: Wells Fargo Reflect® Card.

What is the best credit card for the average person? ›

The best credit card for the average person is the Wells Fargo Active Cash® Card. This is a good option for most people because it offers 2% cash rewards on purchases and an introductory APR of 0% for 15 months from account opening on purchases and balance transfers, all for a $0 annual fee.

What is a good credit card to start credit? ›

Best Credit Cards for Building Credit of August 2024

Discover it® Student Cash Back: Best feature: Student rewards. Discover it® Student Chrome: Best feature: Rewards for students. Capital One Quicksilver Secured Cash Rewards Credit Card: Best feature: Cash back rewards.

Which credit card to clear first? ›

Pay off high-interest credit cards first

Paying off the debt on the card with the highest interest rate first is one method to reduce credit card debt. This is called the “debt avalanche method.”

What is a good line of credit for a first credit card? ›

If you're just starting out, a good credit limit for your first card might be around $1,000.

What type of credit card will you have an easier time getting? ›

The bottom line

Building credit can be a challenge, especially for those with low credit scores or limited credit history. Fortunately, there are credit card options that are easier to get approved for, such as secured, unsecured, student and store cards.

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