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New Credit Card for Travel - Recommendations?
Posted on 8/13/25 at 10:21 am
Posted on 8/13/25 at 10:21 am
I’ve always used a corporate card when traveling, but now I’ll be using a personal credit card.
Any recommendations? I’d like to stray from an airline card because my flights will vary due to where I’m flying out of. It’s a small hub and flights will be picked due to time convenience. Still, mostly Delta or American, but sometimes United.
Anyway.. looking to get the best bang for my buck.
What say the Money Talk Board?
Any recommendations? I’d like to stray from an airline card because my flights will vary due to where I’m flying out of. It’s a small hub and flights will be picked due to time convenience. Still, mostly Delta or American, but sometimes United.
Anyway.. looking to get the best bang for my buck.
What say the Money Talk Board?
6
Posted on 8/13/25 at 10:28 am to VermilionTiger
There is a long stickied thread with good info:
LINK
Personally, I'd avoid any one branded card if you aren't going to stick with a single carrier. I'd go with one of the "premium" level cards that gets you all the travel perks. The Cap1 Venture X is by far the best right now considering they haven't jacked up the fee like the rest of them
LINK
Personally, I'd avoid any one branded card if you aren't going to stick with a single carrier. I'd go with one of the "premium" level cards that gets you all the travel perks. The Cap1 Venture X is by far the best right now considering they haven't jacked up the fee like the rest of them
Posted on 8/13/25 at 10:33 am to TigerTatorTots
The threads being stickied at the bottom of the page throw me off
Thanks, man
Posted on 8/13/25 at 11:23 am to VermilionTiger
I would get a duo/trio setup with a premium travel card and then a couple other cards to cover non travel expenses on the trip like restaurants and such.
Cap one venture X (Travel) and cap one savor (Restaurant) is a simple setup for those really
You'd get 10x on hotel/rental cars and 5x on flights through cap one portal with venture x and 3% back on restaurants with savor (which converts to 3x miles).
There's more complex setups with AMEX/Citi/Chase but AMEX/Chase ones will be much higher annual fees (have to determine spend/credits to see if worth it for you), but Citi isnt a bad option either, strata elite MIGHT work for you but still have to run the numbers.
There are credit card calculators out there to see what kind of travel card might work best for you. Asksebby.com has good calculators for each premium travel card you can put in expected spend and see the return.
Cap one venture X (Travel) and cap one savor (Restaurant) is a simple setup for those really
You'd get 10x on hotel/rental cars and 5x on flights through cap one portal with venture x and 3% back on restaurants with savor (which converts to 3x miles).
There's more complex setups with AMEX/Citi/Chase but AMEX/Chase ones will be much higher annual fees (have to determine spend/credits to see if worth it for you), but Citi isnt a bad option either, strata elite MIGHT work for you but still have to run the numbers.
There are credit card calculators out there to see what kind of travel card might work best for you. Asksebby.com has good calculators for each premium travel card you can put in expected spend and see the return.
This post was edited on 8/13/25 at 11:30 am
Posted on 8/13/25 at 11:42 am to thunderbird1100
I expect to travel at list 10-15 times a year. Short trips for the most part, with some being week long
I’m just trying to see if the Venture X is worth the yearly fee
I’m just trying to see if the Venture X is worth the yearly fee
Posted on 8/13/25 at 11:48 am to VermilionTiger
If you travel a lot, venture x is worth it. $300 travel credit per year, plus $100 worth of anniversary miles each year covers the $395 annual fee. I think they still offer 75,000 bonus miles on sign up, equal to $750.
Posted on 8/13/25 at 12:04 pm to bayoubengal2007
Got it
I’ll go with that. Thanks!
I’ll go with that. Thanks!
Posted on 8/13/25 at 12:08 pm to bayoubengal2007
quote:
If you travel a lot, venture x is worth it. $300 travel credit per year, plus $100 worth of anniversary miles each year covers the $395 annual fee. I think they still offer 75,000 bonus miles on sign up, equal to $750.
And the miles are worth more than 1 cent per point if you transfer out to partners typically, even if it's a 1:1 transfer if you find good rates to book w/ miles vs. cash where it might be 2-3 cents per point value.
Posted on 8/13/25 at 12:17 pm to thunderbird1100
Don't want to hijack the thread but what about the Cap One Venture and the Cap One Savor combo?
Posted on 8/13/25 at 12:37 pm to VermilionTiger
Amex Platinum Charles Schwab - Get the Charles Schwab version, because you can redeem points at 1.1 cents per point to your brokerage account (think of it as a quasi cash back card with rewards potential). Delta is a direct travel partner if you're looking to book rewards flights.
It's a great rewards card for travel with a 5x point multiplier for flights and hotels booked through Amex Travel.
If you take advantage of the credits, it's a good bang for your buck:
It's a great rewards card for travel with a 5x point multiplier for flights and hotels booked through Amex Travel.
If you take advantage of the credits, it's a good bang for your buck:
Posted on 8/13/25 at 12:47 pm to Loopidity
Sure
Send me a referral link. Not able to send messages on TD
Send me a referral link. Not able to send messages on TD
Posted on 8/13/25 at 12:55 pm to corndawg85
quote:
Don't want to hijack the thread but what about the Cap One Venture and the Cap One Savor combo?
They both offer same sign up bonus, but most would argue the Venture X $395 fee is easily covered by credits ($300 annual travel, 10k anniversary miles = $100 minimum) where as the Venture $95 isnt covered by anything by comparison. It's pretty easy to use the travel credit and anniversary miles; but if for some reason you might not use the travel credit, then the Venture might actually make more sense. The Venture vs. X loses the 10x on hotels/car rentals down to 5x and has no 5x for flights like venture X. Venture X is kind of no brainer to me if you do travel even just a decent bit (a few flights/hotels a year even). IF you rarely travel, it might not make much sense.
I have a venture vs. venture X because the X wasnt around when I got my venture. I've thought about downgrading the venture to venture one no annual fee and getting the venture x because I think we can make it work, but we are all over the place on our travel. We just got 5 free IHG nights with the IHG premier card so hotels are covered for a bit for us frankly
Posted on 8/13/25 at 1:45 pm to VermilionTiger
I keep a variety of cards for the different transfer partners they have.
Normally best to start with Chase Sapphire because they are the strictest for signups.
But i rotate between signing up for Chase/Cap 1/Amex/Alaska/Citi cards.
Citi is next up now that they will be AA partner.
Normally best to start with Chase Sapphire because they are the strictest for signups.
But i rotate between signing up for Chase/Cap 1/Amex/Alaska/Citi cards.
Citi is next up now that they will be AA partner.
Posted on 8/13/25 at 2:44 pm to Loopidity
quote:
During my research I believe I read a few places that you are actually able to upgrade without having to open a new account/card. Might be worth a call at least. Also, I recall people saying if you had the Venture for (x) amount of years you may actually be able to receive the new sign on bonus for points.
I've always been under the impression when you product change you arent eligible for any sign up bonus. Have to apply for the new card to get the sign up bonus....edit - looking at reddit posts on this you will not get a sign up bonus for a produce change with cap one so I definitely will just apply for venture x eventually to get the 75k bonus miles, then just product change the venture to the no annual fee one.
If I could product change and get another 75k bonus miles, thats definitely the way to go, but I'm not sure thats the case.
This post was edited on 8/13/25 at 2:52 pm
Posted on 8/13/25 at 3:15 pm to VermilionTiger
Just be nuts like me and get a few new cards per year. Doing this has gotten me about 2 million points between Amex and Chase. Almost everyone qualifies for business cards too.
It is true that some cards have fees, particularly Amex. But my wife just got the Amex business Gold, and I have one too. She gets 175k points if she spends $15k in 3 months. The yearly fee is $375. But she gets a Walmart plus membership and $20/ month at office stores. I go to the Staples site and find what I need when on sale (Keurig pods, toilet paper, etc). I will order and pick up hers at the same time as mine. Its work but kind of fun
It is true that some cards have fees, particularly Amex. But my wife just got the Amex business Gold, and I have one too. She gets 175k points if she spends $15k in 3 months. The yearly fee is $375. But she gets a Walmart plus membership and $20/ month at office stores. I go to the Staples site and find what I need when on sale (Keurig pods, toilet paper, etc). I will order and pick up hers at the same time as mine. Its work but kind of fun
Posted on 8/13/25 at 3:42 pm to bayoubengal2007
quote:The venture X is worth it for literally anyone that does at least 1 weekend stay away from their home a year because its essentially a free card. $300 travel credit + 10,000 annual points (equal to $100 at minimum) negates the $395 fee.
If you travel a lot, venture x is worth it.
Posted on 8/13/25 at 8:42 pm to TigerTatorTots
Is everyone ditching the Chase Sapphire Reserve? I just got my benefits info in and need to read it over. I'd hate to switch just for them to follow suit
Posted on 8/13/25 at 8:45 pm to jmarto1
I am still holding since I will not renew until next Sept. That being said the coupon book makes it harder to maximize the earnings.
Guessing the points boost will be good for a while, once they start making those options very few, probably will finally be time to move on
Guessing the points boost will be good for a while, once they start making those options very few, probably will finally be time to move on
Posted on 8/14/25 at 7:28 am to bayoubengal2007
I signed up for the Venture X and attempted to book my flight through capital one travel.. it won’t let me select the Venture X card for the purchase. I’m reading that I need the physical card before I can use it, even though I have a virtual card
Kind of sucks, but whatever
ETA - Question. Do I get the miles through my airline as well even if I book through Capital One Travel? I am putting in my account information. If so, that’s a huge deal!
Kind of sucks, but whatever
ETA - Question. Do I get the miles through my airline as well even if I book through Capital One Travel? I am putting in my account information. If so, that’s a huge deal!
This post was edited on 8/14/25 at 7:41 am
Posted on 8/14/25 at 12:12 pm to VermilionTiger
Yes, I believe that you earn miles with your airline loyalty accounts as well.
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