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Top 5 Travel Credit Cards for Beginners: The Ultimate Guide
Top 5 Travel Credit Cards for Beginners: The Ultimate Guide
Introduction
Are you planning your next vacation but want to save some money on travel expenses? A travel credit card may be the solution you're looking for. But with so many options available, choosing the right one can be overwhelming, especially if you're a beginner. In this guide, we'll go over the top 5 travel credit cards for beginners, their benefits, and tips for using them effectively.
Top 5 Travel Credit Cards for Beginners
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Chase Sapphire Preferred® Card: This card is a favorite among frequent travelers for its high rewards rates and redemption flexibility. You can earn 60,000 bonus points after spending $4,000 on purchases within the first three months of account opening. The card also offers 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases. Other perks include access to various travel and shopping protections, a $50 annual Ultimate Rewards Hotel Credit, and more.
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Capital One Venture Rewards Credit Card: This card is perfect for beginners who want a simple yet rewarding travel credit card. You can earn unlimited 2x miles on every purchase, and the miles can be redeemed for travel expenses. The card also offers a Global Entry or TSA PreCheck fee credit, no foreign transaction fees, and travel and shopping protections.
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Discover it® Miles:: This card is an excellent option for beginners who want to earn miles without having to pay an annual fee. You can earn unlimited 1.5x miles on every purchase, and Discover will match all the miles you've earned at the end of your first year. The card also offers a $30 annual Wi-Fi credit, no foreign transaction fees, and travel and shopping protections.
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Bank of America® Travel Rewards Credit Card: This card is a great option for beginners who want to earn points without having to pay an annual fee. You can earn unlimited 1.5x points on every purchase, and the points can be redeemed for travel expenses. The card also offers a 0% intro APR for 12 billing cycles on purchases, no foreign transaction fees, and travel and shopping protections.
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American Express® Green Card: This card is ideal for beginners who want to earn points on travel and dining expenses. You can earn 30,000 Membership Rewards® points after spending $2,000 on purchases within the first three months of account opening. The card also offers 3x points on travel and dining, a $100 annual CLEAR credit, and various travel and shopping protections.
| Credit Card | Pros | Cons |
|---|---|---|
| Chase Sapphire Preferred® Card | High rewards rates, flexible redemption options, travel and shopping protections, annual Ultimate Rewards Hotel Credit | Annual fee of $95, high spending requirement to earn sign-up bonus |
| Capital One Venture Rewards Credit Card | Simple and rewarding, Global Entry/TSA PreCheck fee credit, no foreign transaction fees, travel and shopping protections | Annual fee of $95, limited redemption options |
| Discover it® Miles | No annual fee, 1.5x miles on every purchase, Discover will match all the miles you've earned at the end of your first year, $30 annual Wi-Fi credit, travel and shopping protections | Limited acceptance outside of the US, lower rewards rate compared to other cards |
| Bank of America® Travel Rewards Credit Card | No annual fee, 1.5x points on every purchase, 0% intro APR for 12 billing cycles on purchases, no foreign transaction fees, travel and shopping protections | Limited travel benefits, points can only be redeemed for travel expenses |
| American Express® Green Card | 3x points on travel and dining, various travel and shopping protections, annual CLEAR credit | Annual fee of $150, limited acceptance compared to other cards, limited redemption options |
Tips for Using Travel Credit Cards Effectively:
- Pay your balance in full each month to avoid interest charges.
- Use your card for travel expenses to maximize rewards.
- Take advantage of sign-up bonuses and promotional offers.
- Keep track of your rewards points and expiration dates.
- Read the fine print to understand the terms and conditions of your card.
Conclusion
In conclusion, choosing the right travel credit card for beginners can be a daunting task, but it doesn't have to be. With our top 5 picks and tips for using them effectively, you'll be well on your way to saving money on your next vacation. Just remember to read the fine print and use your card responsibly. Happy travels!
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