Best Travel Cards of 2024
ฝัง
- เผยแพร่เมื่อ 23 ม.ค. 2024
- #travel #creditcard
These are the best travel credit cards of 2024.
#1 Bilt bit.ly/biltjft
#2 Venture X bit.ly/jftventurex
#3 Gold bit.ly/jftgold
#4 Aspire www.americanexpress.com/us/cr...
#5 Altitude Reserve www.usbank.com/credit-cards/a...
#6 Aviator cards.barclaycardus.com/banki...
Affordable Financial Planning: bit.ly/FacetJFT
Top Credit Card Offer: bit.ly/johnsfinancetips
Best Bank Bonuses: bit.ly/citijft
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Enjoy your trip to the Philippines John!
Love the retro theme John! 😄
You helped me go from no credit to min maxing all the points, sign up bonuses, rewards, etc on my cards. Just shy of a 800 score (student loans 😢) but I was able to get bumped up on all my credit limits, and get the platinum card just after guiding my credit for only a year… it’s kind of crazy. I use my platinum Amex for business travel in the states and I get to collect the annual fee on my tax’s as an expense so I actually get paid to use the Amex platinum. I also have the bilt card for rent and I use both portals to redeem points and maximize my business travels. Definitely going to pick up the gold card as well in the next year. A lot of annual fees but I still next make out Alene an extra 300 they pay me to own the card after taxes😂 you are a real one for all of your help!
Love the video, John. I just got the WF Autograph per your advice and how it fills gaps in my cash back setup. I hope it will make this list eventually if good transfer partners are announced.
I’m waiting to see what new cards join the autograph family before gracing one. Is it true you can’t autopay and have to call in to pay your bill every month?
@@carryeveryday910 I pay it in the app with my linked checking account just like all my other cards. Easy peasy
New intro looks sick🔥🔥
I have Hilton Aspires with my first renewal of $450 and also have Venture X first renewal of $395. I plan to keep Venture X but probably will not renew Aspire end of October making room 3/24. Probably get the BILT and CSR. Thanks for sharing!
Love all the videos Jon! I appreciate what you’re doing for the community. Side note, “
Thanks David! And thank you for catching that!!
I get some sick colors on my govee tv lights with your vdo
I have Bilt Mastercard since a year ago and it’s great for paying rent. ❤
Nice overview!
Credit Card list:
1:30 #6 Barclays AADVANTAGE AVIATOR RED WORLD ELITE MASTERCARD
3:56 #5 US BANK ATLITUDE RESERVE
6:13 #4 AMERICAN EXPRESS HILTON ASPIRE CREDIT CARD
9:04 #3 AMERICAN EXPRESS GOLD CREDIT CARD
11:45 #2 CAPITAL ONE VENTURE X CREDIT CARD
14:29 #1 BILT MASTERCARD
Thank you!!!
Drinking game: *watch all of John’s videos and take a shot every time he mentions the Maldives*
I love opening credit cards I don’t need to I can earn points that are only useful for taking a 1 night trip to the Maldives every couple of years on a random Tuesday during the offseason. /s
Hahaha you better ready to drink because ya boy is headed back there for a dive trip in a few months and you can bet my pickle we’re gonna have more content!!
Literally applied and got approved for the American Express gold card! I had been searching for the perfect travel/every day used card and this card was definitely the best! and I was looking for a credit card that had Delta as a transfer partner! Thanks so much for this video!! (:
Thanks for the info on the delta airlines points. Ive been wondering all video if these cards offer delta airlines points
Amazing! Congrats and enjoy the card!!
AmEx is the best! Delta also offers four different SkyMiles AmEx cards - each with different sign up offers available, and one new card (Blue card) that has no annual fee.
John, I think the elevated offer for Hilton Aspire ended on 1/17/2024.
MrDubs6000, I think you’re correct.
It did end on the 17th. Glad I got it before the 17th
One amongst his mistakes this video
The fact checkers are in town, lol 😅 but good points !
@Elricky124 if it expired as a deal, what point? 🤔
Awesome! Great video I'll see you in Manila.
I love the Barclays American Airlines. I upgraded to the Silver card for 199 annual fee to get 2 free companion passes when you spend 20k versus 1 companion pass with the red card and better point system!
How long does that companion pass last for?
@@Dipp182 If you meet the goal which is 20k to spend by your anniversary date of when you open the card then it expires a year after your anniversary date. It takes a few weeks to be added to your account. So I opened my card in June so it would expire June of the following year.
I really enjoyed your video if I get the American Airlines aviator card can I use those American airline points on different airlines or a male often to just American Airlines or will that work with the one world partnership alliance? Thank you
Bilt is a sneaky good card if you cruise and book directly with the line. I pay the 1st of the month before the due date. 4x back on travel on Rent Day.
I don’t get this, can you elaborate?
@@jmanjuice710 BILT has a special offer on the first day of each month where the points you earn are doubled (except for rent I think)
Yeah me either wdym?
With a cruise usually you make a down payment then the rest is due like 3 months before the cruise. As long as you booked directly and make the payment on their site it should code as travel. It worked for me with MSC. If you make the payment on the 1st of the month, Rent Day, you get double points, so 4x.
what do you mean by cruise if ydm? I'm a none english native so I was wondering what that meant. Thanks@@tbark87
Gracias 😎
John, would the Bilt card work for my wife’s business lease every week?
Do you know if the Barclays frontier miles card can be transferred to other airline miles ?
what would you recommend for international travel using different kinds of airlines? i mean, we use different kind of airlines bec. of various reasons (long/short flying hours, cheapest,layovers). But we travel outside U.S almost every year now.. thankyou for the input!
Travel cards are great, but let's be real the fun is the actual travel. Love to hear from everyone what your plans are for the year and whether you plan to use any points and miles?
Me personally the trip I'm looking forward to the most is headed to Europe for a month with the fiancé and the 2 pups! It'll be their first time traveling so a bit nervous but overall excited to have them with us for a change. Booked Delta Economy using Virgin Points
Since you booked delta why not go into if the American Exoress Delta credit card is worth it ? I’m hoping you’ll do a video on it
@@jezebelb6391 Delta charges hefty amount of miles to book flights, with Virgin points, you can get to Europe in 10K miles on the economy class
I wish you included the APR in the video! Overall super helpful and informative
if you are paying any credit card interest, none of them are worth it. Paying bill in full is the only way to reap true benefits.
Can you use this for mortgages ? Or just rent
Can balance transfers be used o these cards to take advantage of the sign up bonuses?
I went with the US Bank Altitude Reserve. I’ve always been team cash back but wanted a travel credit card. Maybe 1-2 times a year I travel, rarely 3 times a year. I like how this cards $325 credit for example, can be used for booking a flight,hotel etc.. OR spent as dining credits, which will be credited on purchases, not TWO MONTHLY credits like the Amex gold. Plus 3X on mobile! Safeway takes Apple Pay so this will be pretty much be my catch-all. LOL. But I also was approved for the US Bank Go Visa which will be used strictly for dining and will get 4X. For now, this will be a duo hybrid setup. Nice video btw!
Nice congrats! Before applying, did you have a relationship with them and what was your credit score at the time of applying along with how many inquiries in the past 12 months? I've been debating on the Aspire and Reserve cards.
@@DidIDoThaatfunny because I had no relationship whatsoever with US Bank. I retrieved 3 new credit cards in 2023 starting from.. maybe June/July. Also denied by Citi custom cash twice! But I have a little over 800 score. I applied to see if I’d get approved because I really wanted the card, and was approved for $9500! Literally a couple days later I applied for the Altitude Go. Received message saying they would have to review my application but next day got an email that I was approved for $9000, but weird because my account says credit limit is $500. All in all glad I got both cards!
FYI, Virgin has a fixed rate transfer to ANA
ANA round trip from CA to Tokyo is around 110k-120k nowadays when booking "The Room"
fixed rate is 90k :)
Great Video thank you. It is true that Barclays business miles can be used only with a AA business account?
I honestly need John videos everyday....your the Goat of Credit Card videos bro
Haha I appreciate that!!
thanks for all the financial information, im 14 rn and this information is really going to help me when I get my first card
Best of luck!
THANK YOU!!!
John .. let me ask you a question by applying for the build card will it be a hard hit on my credit report?... I started to fill it out and they only asked me for the last four digits of my social..
Looks like 120k points is the floor cost of the room you mentioned in the Maldives for the Hilton card.
Edit: per night.
Yeah I felt like the mileage for flight were old too. But I think it depends on time of the year as well.
You forgot to add the rent day double points for Bilt. 6x dining, 4x on travel, 2X on everything else except for rent on the first day of every month.
con you explain that more? i’m a little confused
@@misbahsusmonom961 on the first day of every month, BILT’s reward multipliers get doubled (excluding rent). So the normal 3x on dining becomes 6x, 2x travel becomes 4x, and all other spend goes from 1x to 2x, just for that one day each month.
@@misbahsusmonom961 every first day of the month, Bilt doubles the points so instead of 3x dining, you get 6x dining and so on. The only thing that doesn’t double is your rent points which stay at 1x
So you mean if I purchase a flight on the 1st of any month I will get 4x the points, correct? If so does it have to be purchased through their portal or no?
And if I bought anything else on the 1st of the month I would get 2xs the points?
@@youtubeonly1557 yes 4x travel on the first of every month. doesn’t have to be through their portal. Can be booked directly to airlines, hotels, car rental companies, and cruises. Yes 2x on the first of every month for every other purchase.
I'm so mad at the Hilton cards... they no longer add your spend to your tier status... the points are now considered bonus point and don't count.. not sure Ill keep the card anymore since I have the Amex Platinum
Wow! I didn't know about being able to use a check from BILT to pay rent- I'll definitely be checking that out since my landlord only accepts checks.
Comparing BILT travel category to Chase though, it is a bit limited compared to Chase's inclusion of public transportation, parking garages/meters, and travel agencies (which I think would benefit me for my broader travel spends). But, the BILT no AF and no FTF makes it so valuable too.
I'm curious about your thoughts on the CFP and why you aren't recommending the CFP in your 2024 rankings, thanks!
But the property management company will charge you a processing fee!!!
@@jessejock4878 oh yikes. how much % is yours charging?
Will the amex serve card work if you travel? Domestic travel?
Still see an inflation on prices for capital venture x across the board including flights , not to mention the miss pricing on all Inclusive resorts that have non “all inclusive” options
Multi rooms booking is flat out almost double the price !!
Any idea ?
This is the kind of info I’m looking for. Like once you’re in these portals what kind of prices are we seeing. What kind of partners. Etc.
@@youtubeonly1557same. Pointless if the prices are higher or garbage choices
Great Video! I'm flying to Philippines next year.My points is mostly in Amex. Which transfer partner has a best redemption. I fly Delta, as my airline. Should I transfer to Turkish airlines?
Turkish was just a screaming good deal. But getting to MNL is tough on points. Cathay can be decent but that would require Alaska Miles. Try searching a dummy booking on Air Canada and American Airlines
Thanks John!
Just checked Hilton Aspire card sign up bonus is 150000 instead of 180000?
Thanks! We plan on using our points for our Summer Thailand and European Christmas market trips to Get Travel Content for our Channel, Chasing Charisma. We will let you know how it goes!!
Finally got the Savor One / Venture X combo… so far it’s racking up points fast
@@benchoflemons398 afaik “savor one rewards” doesn’t exist? Are you talking about the capital one savor vs the savor one? I got the savor one
@@benchoflemons398 nevermind… i see the confusion … they are ALL rewards cards… but if you are gonna add the word rewards (naming preference really), it’s savor rewards vs savor one rewards….
Also DON’T make the mistake I did… I went for the Savor One For Good credit. D’oh! I missed out on the signup bonus. There is no other difference… the regular savor one is for those with EXCELLENT credit (which I am) - but I didn’t realize in this case “good credit” literally meant “plebs” 😂
GREAT combo!!
I'm new at learning to transfer pts...you can combine points from different cards ? (I'm guessing depending on the partner airlines)
@@KatrinaGustavRuled Well at least with those two cars you can. They are both CapitalOne - and the SavorOne is a cash back card, and you can covert the cash to points on the VentureX.
Can i pay my wells fargo mortgage with the built credit card? 😮.
Can you do best travel credit cards for beginners? Or best travel credit cards with low-no annual fee? I love your videos!
Yup I actually have a travel card with no annual fee video already
@@johnsfinancetipscan you post it here so I can watch it? Thanks!
What if you’re not renting and you’re buying a house and you’re paying your bank? Does that count as rent you get the one percent back on that?
Can you please make a video for europeans, because we can't get for example a venture one
Great list! I have a few these cards and definitely agree with the venture X! I own a home tho, so for that reason I disagree with bilt being #1. Obviously it’s a fantastic card for renters, but since it’s the only card on the list that is targeted to a specific audience whereas the others anyone can utilize to their full potential, I’d put bilt in the 3-4 range
I agree with this. It’s tough to put a card that only is applicable to a small amount of people who rent versus own. If the rumors are true hopefully they find a way to include mortgage payments in the future.
That’s a fair point! As someone who also owns, what pulls it to 1 for me is the no AF, no forex and transfer partners (AA). But agreed that if you have a 4x dining card (Gold) this nerfs the Bilt a bit and the lack of SUB is a big miss :(
Which travel card would you suggest for a business account?
Can we use BILT to pay for mortgage and earn points?
Capital One portal sometimes is more expensive than direct or kayak or other booking sites b
They price match
@@adventuresofwadepeyton6886 so good to know thank you
@@adventuresofwadepeyton6886only within a certain amount of days. But yes they do price match.
You didn’t specify it’s only domestic flights that you get a free checked bag, not international…
Can I pay my mortgage with bilt or my common fees?
John, I really like to watch your videos
As Los Angeles international airport is AA big hub, should I still get American Airlines credit card?
Yes. Great one world partners for getting to Asia or even the Middle East!
Bilt has 5x points on all purchases for the first 5 days the card is open besides rent, so I’d open if you have a big expense coming up other than rent
Thanks!
but offer isn't for everyone. Bilt randomly sends the offer through email once approved...
Amex Platinum
Great video. Since I own the #1 doesn’t benefit me. I wish they’d come out with one for paying your mortgage.
You can pay mortgage with it. The problem is that I don't have one.
Keep your eyes pealed 👀👀
@@yurig2530 How do you pay a mortgage with this card? Their website states that you can not pay a mortgage with this card.
The problem with using travel portals is they s7ck and usually don't have good pricing.
Can someone explain the 10x on hotel/car rental point system?
Diamond status will always get you a complementary upgrade at the Hilton airport Manila or the Conrad Manila by MoA, if the soace is available.
What do you think about the AMEX Delta Skymiles Cards?
I was hoping he would mention it too
Meh. Get it for the bonus but I don’t value Delta very highly so I wouldn’t be interested in hanging onto the card
@@johnsfinancetips Agreed, Delta miles aren't very valuable.... Better to look for Virgin Atlantic/Flying Blue program for SkyTeam alliance. There are many credit cards that transfer point to these programs
@@akashprasad5750like which ones?
Alaska Airlines Credit Card partners with American Airlines and allows mileage exchange and earnings.
Is this for real? Never heard of this ever before...
the background LED flicker is killing me
Sorry!! The frequency thing is such a pain. I’ll pick darker colors next time
Where is Citi premier card
No chase sapphire reserve at all? 🤔
It’s an old dog that I still have in rotation still. But it’s just not punching hard enough these days to make the list
Bought 2 plane tickets from LAX to Honolulu for 80000 points
With which card?
🤯 I wish I knew about Bilt when I was still renting 😭
It's a relatively new card
Criminal to be this early 😅
Officer we’ve got em
American express gold is currently 90,000 SUB!
What did SUB mean?
@@youtubeonly1557 sign-up bonus
For the Barclays AAdvantage Card, are you able to transfer your points to a travel partner?
American airline is in the one world alliance so you can book with AA points on the other members flights
No
Are travel cards any good for those who recently got into credit cards? I wanna get points to travel but have only had a savorone for half a year. Should I build credit for another year or two before applying for any of these?
It never hurts to get points early. But if you’re just starting out I would focus on learning the ins and outs of credit cards first before trying to figure out points
No priority pass for venture x anymore
Does vinture X has purchase protection?
Yes
Would it be beneficial to have the Venture X card and the Bilt card? I spend around $5,000 a month on diesel as a trucker so the venture x sounds good for 2x points. Then would I be able to combine the points from paying rent with the Bilt card with the points from the venture x?
Lowkey if you are spending that much on diesel I would look at the US bank altitude connect for 4% cashback on gas (95$ AF) or wait for transfer partners and go for the wf autograph which gets 3x on gas. I just fell like you can do better than 2x if you are spending that much every month.
If you do decide to get the venture x card , I’ll pay an additional $50 if you use my referral link
Amex business gold has 4x points on gas
@@adampeterson2846 thanks for the tip I’ll look into it, would be good since USBank is easy to use
@@dannyanderson6189 I must have missed that but that would be perfect.
Are you a bilt partner?
Can you use BILT for mortgage payment?
No, only rent, utilities, cell phone bills, wifi bill
Can these cards be used while we're stationed outside US as active duty military? Hope you'll answer, John! Great video!
Yup, and they’ll usually waive the annual fees. It depends on what the local businesses accept, you’ll probably have better luck with Visa or Mastercard over American Express. Navy vet here.
When is the chase sapphire preferred getting a better welcome bonus?
Same question!
"Change life" is that really that easy
This presumes your credit card points have no cash value. But most of them can be redeemed for cash as well.
Yes but a lot of them get you so much more value if you use them as points instead of redeeming them for cash
Cash is usually 1point = 1 cent or less, while with points can be valued at sometimes higher amount (2< cents) with airlines/hotels. It all depends on your type of strategy.
Great point, the cash back vs point debate is a good one. I’m personally team points due to the fact that I can get more bang for the buck on redemptions. But if you aren’t traveling extensively and aren’t interested in premium travel then cash back is great
Any card with an annual fee seems stupid to me. Why would I pay to be able to spend money? The amount of work time you have to put into redeeming points for their maximum return would be better spent working and earning more money.
Depends on your needs. Also, you want to look at what they offer back sometimes like mentioned in this video, you’re actually only paying a few dollars because they give you so much back in the way of free money for meals and travel…
Is 90k Amex points is a good sign up offer ? For gold?
it's a great offer, infact it's the highest on gold as per my experience
Rent...cool...what about mortgage payment!? haha
What airline are you flying to rhe Philippines?
Turkish!!
I travel at least 6x a year. Always use debit card. I have no clue on credit cards. I want a travel card for obvious reasons but also want cash back because would be nice to just pay my daily things with a card. What do you suggest?
Altitude Reserve
@@yurig2530 I will look It up thanks
The one he says was good for cash back
@@youtubeonly1557 which one?
Altitude reserve
Not sure why the Ritz-Carlton card isn't number one for the access to restraunts.
Annoying card to get. But if you have it, it’s solid value
Woah chase cards didn’t make the list
CSP could be a contender but the earn is mid and Bilt has Hyatt as a transfer partner which is really what used to make Chase standout imo
lol Maldives Maldives Maldives. John, every video. 😂😂
Hahaha y’all better love it because I’m going again in a few months (dive trip) and you can bet there’s gonna be updated content (Qatar business, Qatar first and Singapore business)🤣🤣🤣
Anyone got tips for the US bank altitude reserve?
Look up Stan the Credit Frog, he has great ideas for this card & credit/finance in general
Can you use other examples aside from the Maldives? Aside from TH-camrs and the so called influencers, nobody vacations at places like that.
Good and insightful video, but please I'd recommend not being so close to the camera because most people probably watch while eating and your face is just huge on the display, lol
Do you or anyone know if “rent” can also be Maintance on my coop?
Effectively means nothing in real life man you have to pay a fee there’s no effectively that’s the biggest lie in credit card existence
I don't understand how people open so many credit cards. I've always had a 750 credit score but ALWAYS get rejected for new cards because of "too many inquiries" as I am applying for too many credit cards apparently? Like I always pay my payments on time, idk what is wrong and how I fix this.
Does that card work for mortgage?
No
@@adventuresofwadepeyton6886 lol didn’t think so
Sadly no :(
5:52 you cannot ever convert 100,000 points into $10,000, I know it was a slip of tougue but just wanted to let those know who are new in the CC game 😊
Thank you for calling that out!! 100% agreed
You can keep the Maltese I want cards that are going to get me to Southeast Asia and beautiful cheap areas that are way better than the Maltese and the people are better
The only problem with the American airlines card is that you have to fly that crap of an airline called American Airlines where the staff think that they are doing you a FAVOR by flying you. I never ... nada .. ever had a good experience flying AA, right from the behavior of the ground staff to the gate agent to the final exit.
Tbh I’d extend that to all major US airlines. While the ME3 and Asian carriers treat you like an actual customer
I wonder if I can make my wife my “landlord” and pay her using BILT ACH and then she can pay the mortgage?? 🤔
Yeah I do this!!!
It’s considered income then and needs to be taxed
You can…but then she’ll get a 1099 issued for earning rental income and you’ll owe income tax on the “rent” don’t worry I’ve thought the same hahaha
@randomaccount9212 how's the taxes on that? Is it worth it for the pts redemption game
Hey John, thank you for the video. I wanted to transfer over money from the Chase checking account to the HYSA. If I want to apply for the Sapphire Chase card, is it ok if I leave around $4000 on my chase checking account? Or is better to apply for the credit card before I move money to the HYSA? Does it matter at all?