What are the top travel credit cards for 2019?

As a credit card expert, one of the most frequently asked questions is, "What are the top travel credit cards for 2019?" With so many options available, it can be overwhelming for consumers to choose the right one. In this article, we will examine some of thebest travel credit cardsavailable on the market and what makes them stand out.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred card is a popular choice for travel enthusiasts. It offers a sign-up bonus of 60,000 points after spending $4,000 within the first three months of account opening. Cardholders earn 2X points on travel and dining purchases and 1X point on all other purchases. Additionally, the card has no foreign transaction fees and offers travel protection benefits, such as trip cancellation/interruption insurance and rental car insurance.

Capital One Venture Rewards Credit Card

Another great option for travelers is the Capital One Venture Rewards Credit Card. It offers a sign-up bonus of 50,000 miles after spending $3,000 within the first three months of account opening. Cardholders earn 2X miles on all purchases, and the miles can be redeemed for travel expenses or transferred to partner airlines and hotels. The card also has no foreign transaction fees and provides travel protection benefits.

American Express Platinum Card

The American Express Platinum Card is a premium travel credit card that offers a wide range of benefits and perks. It offers a sign-up bonus of 60,000 points after spending $5,000 within the first three months of account opening. Cardholders earn 5X points on airfare and hotel purchases and 1X point on all other purchases. Additionally, the card provides access to airport lounges, a $200 annual airline fee credit, and a $100 credit for Global Entry or TSA PreCheck. However, the card has a high annual fee of $550.

Citi Prestige Card

The Citi Prestige Card is another premium travel credit card that offers a variety of benefits. It offers a sign-up bonus of 50,000 points after spending $4,000 within the first three months of account opening. Cardholders earn 5X points on airfare and dining purchases, 3X points on hotel and cruise purchases, and 1X point on all other purchases. The card also provides access to airport lounges, a $250 annual travel credit, and a fourth night free at select hotels. However, the card also has a high annual fee of $495.

Tips for Applying for a Travel Credit Card

When applying for a travel credit card, it is important to consider your spending habits and travel goals. Look for a card that offers rewards and benefits that align with your needs. Additionally, be aware of any annual fees and make sure you can afford them. Finally, make sure you have a good credit score before applying, as travel credit cards typically require a score of 700 or higher.

Saving Money with a Travel Credit Card

Travel credit cards offer a variety of ways to save money on travel expenses. Cardholders can earn rewards on travel purchases, redeem points for travel expenses, and take advantage of travel benefits such as airline fee credits and free hotel nights. Additionally, some travel credit cards offer travel insurance benefits, such as trip cancellation/interruption insurance and rental car insurance, which can save you money in the event of an unexpected travel mishap.

Avoiding Annual Fees and Risks

While travel credit cards offer many benefits, they also come with annual fees and potential risks. To avoid paying unnecessary fees, consider canceling a card before the annual fee is due if you no longer use it. Additionally, make sure to pay off your balance in full every month to avoid interest charges. Finally, be aware of potential risks, such as fraud and identity theft, and take appropriate precautions, such as monitoring your account regularly and setting up alerts for suspicious activity.

In conclusion, choosing the right travel credit card can help you save money on travel expenses and provide valuable benefits and rewards. Consider your spending habits and travel goals before applying, and be aware of any annual fees and potential risks. With careful consideration and responsible use, a travel credit card can be a valuable tool for any traveler.