• George

Choosing the right Travel Credit Card

Cheri and I have several credit cards-maybe way more than we need! Hard to believe that there was a time in my life when I said I would never own one. I was totally old school (some would say I still am and my daughter would concur that I'm an old fashioned dork). I kind of like the "Old Fashioned Dork Title." Well now I have several credit cards including American Express Delta SkyMiles, US Bank FlexPerks, Capital One Venture, and we just added Chase Sapphire Reserve. Maybe just a little overkill? We like the unique features each card offers. We like the free companion ticket we get each year with our American Express Delta SkyMiles card. The free checked bag for you and your travel companions is a great perk as well. The Capital One Venture gives you two points per 1.00 spent and it is easy to redeem points later after you have purchased your trip. That's a convenient feature. The customer service is excellent as well. The Chase Sapphire Reserve card is our new one. It has a very high annual fee of 450.00 plus 75.00 for each additional user. Some of that high cost is offset by the perks it provides like a 300.00 credit each year on travel charges to your card. Plus Reserve will pay for your Global Entry or TSA application fees every 4 years. (Only covers the primary cardholder). I also like the fantastic travel insurance it provides for you and your companion travelers. In most case we won't need additional travel insurance. Nice security and savings there. This being said, there are many options out there in the market place. You first have to assess how much you are going to travel and the perks you want before going through the list of credit cards available.


After much research and consternation I've made my top ten picks. The first five were relatively easy but after that it's pretty much a crap shoot. I've included travel insurance links to many of the cards. This can vary dramatically between cards. The Premium travel cards like Chase Sapphire Reserve have pretty solid travel insurance coverage.

!. Chase Sapphire Preferred, Details, Travel Insurance

Nerd Wallet Comparison of Chase Sapphire and Capital One Venture Cards

2. Capital One Venture, Details, Travel Insurance

3. Bank of America Premium Reward Credit Card, Details, Travel Insurance

4. Barclays Arrival Premier World Elite Mastercard, Details , Travel Insurance

5. Chase Sapphire Reserve, Details , Travel Insurance

6. Bank of America Travel Rewards, Details

Forbes Magazine: Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards? Click here for article

7. Capital One Venture One, Details

8. Discover It Miles, Details

9. Citi Thankyou Premier Card, Details

10. The Platinum Card from American Express, Details


Here are a number of other travel cards with favorable recommendations:

Hilton Honors

Gold Delta Skymiles from American Express

Blue Delta Skymiles from American Express

AAdvantage from Citibank

Southwest Rapid Rewards plus Credit Card visa

Citi AAdvantage platinum Select World Elite Mastercard

Marriott Rewards Premier Plus Credit Card

United Explorer Card

Hilton Honors Aspire Card from American Express

The Starwood Preferred Guest Credit Card from American Express


Did you know that most travel credit cards have at least some travel insurance. It can be buried in their contracts or fine print but you should be aware of what your card offers.

Here is a great article about this from USA Today-Click here for article. Its good to know what your card offers for insurance and please note that many cards are a little light on emergency medical and evacuation costs especially for international travel. Supplemental coverage may be necessary.


It's a very competitive credit card market out there with lots of good choices. Happy Hunting! George



Sources for travel credit card reviews:

https://creditcards.usnews.com/travel

https://www.johnnyjet.com/the-best-travel-rewards-credit-cards-2018/

https://www.nerdwallet.com/l/credit-cards/marketplace?Device=Desktop&DeviceID=1&GUID=182835&VariantID=3373&category=travel&gclid=EAIaIQobChMIme7pz-PV2wIVAkgMCh1Lew-rEAEYASAAEgIlCvD_BwE&mktg_img=3462&mktg_place=9&nw_campaign_id=150414057333111100&utm_campaign=cc_mktg_paid_061517_remarketing_cc&utm_content=da&utm_medium=dsp&utm_source=goog

https://www.forbes.com/sites/johnnyjet/2017/12/09/best-travel-credit-cards-of-2017/#39143b8b4594

https://www.creditcards.com/travel/

https://thepointsguy.com/guide/top-travel-rewards-credit-cards/

https://www.usatoday.com/story/travel/columnist/hobica/2014/08/19/credit-card-travel-insurance-policy/14241701/

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