Travel Rewards Value

Top Credit Cards for Travel (Starter Picks)

If you're just getting started, focus on a single flexible points program. Two great entry options in the US are:

  • Chase Ultimate Rewards (e.g., Sapphire Preferred)
  • American Express Membership Rewards (e.g., Amex Gold)

Why flexible points? They transfer to multiple airline and hotel partners, so you can chase the best deal instead of being locked into one program.

Starter Picks

Chase Sapphire Preferred

  • Strong transfer partners (United, Hyatt, Air Canada)
  • 1:1 transfers, solid portal value
  • Beginner-friendly annual fee

Note: Check current welcome offers and 5/24 rules.

Amex Gold

  • High earn on dining and groceries
  • Excellent airline partners (ANA, Air Canada, BA)
  • Useful credits if you maximize them

Note: Mind effective annual fee after credits.

How to Use Points Well

  • Aim for partner transfers when they provide outsized value (e.g., ANA for round-trip to Japan).
  • Be flexible with dates and airports to unlock saver space.
  • Watch for transfer bonuses to stretch points further.

What’s Next

I'll add quick guides on: transferring points, sweet spots, and booking examples.

Disclaimer: This is educational content, not financial advice.