Best Credit Card for Beginners (No Annual Fee)

If you’re new to earning and redeeming points for travel, the best starting point is getting a great travel card that offers:

• Great welcome bonus
• Primary Rental Car Protection
• Better earnings for daily spend  than Cashback credit cards
• Better purchase protection
• No foreign transaction fees
• Trip delay protection

 Points are best used

• When cash airfare is very high
• When  business class flight is required
• For Long Haul International Flights
  

Best Credit Card for

Small Business

My biggest mistake when I started what not understanding how valuable business credit cards could help me reach my travel goals.

Biggest secret in points and miles  is any type of small business can qualify.

This includes sole proprietorship like selling items on Facebook Marketplace or Amazon, driving for Uber, or any type of non W-2 income. 

Business cards although have higher spend thresholds in the first few months they offer fantastic welcome bonus and different points earning categories that can be lucrative.

Best Credit Card for Airport Lounge Access

Tired of paying $7 water in the airport or just want a free breakfast, lunch, or dinner before that long flight?

I've learned as a business traveler, that having lounge access can save you thousands in food and drink at the airport. 

Your lounge credit card can feed you and kids for free.  Having the right premium credit card will save you $$$ and really lower your cost of travel.    I save at least $100 everytime I walk into an airport with my family  that has a lounge.  Let me show you some of my favorite cards.

Best No Annual Fee

Credit Card

So not all travel credit cards require an annual fee.

This is a great starter card

If you want to earn points that can be used for

•    Hyatt,Marriott, IHG Hotels
•    United or Southwest Airlines
•    Primary Rental Car Protection
•    No foreign transaction fees
•    Travel delay protection
•    Use for business class flights
•    Pay your rent fee free         

Best Airline Credit Cards

Some of my favorite airlines have wonderful co branded credit cards that offer elite type perks.    Some of these benefits include:

• Free Check Bags
• More discounted Award Seats
• Opportunity for free companion tickets
• Airport Lounge access



These credit cards should be reserved for frequent travelers or part of a strategic airline strategy. 

I recommend that you collect more transferrable currencies from bank or loyalty programs before you apply here.  But if you are have a specific airline strategy or specific goal, then I have some great perks for you.

Best Hotel Credit Card

I love the opportunity to earn more points just by using a hotel's

cobranded credit cards.   Their perks allow you to earn:

• Free night certificates for renewing credit card
• Elite Night Credits for Elite Status
• Automatic Elite Status as cardholder
• Earn extra points

This is also an advanced strategy  and I suggest to look into flexible bank program before you apply here.