A Little Intro, Traveling + Credit Cards 101

When looking to find that perfect travel credit card the first question to ask is What type of travel will I be doing?

  1. Why Will You Be Traveling?

    • Will you be traveling for business?
    • Or will you be traveling for personal reasons?
  2. Where Will You Be Traveling to?

    • Are you going to stay inside America?
    • Or are you thinking of focusing on more international europe/asia style traveling?
  3. What city will you be flying out of on a regualar basis?

    [if you are flying out of Chicago, a rewards card connected with United may be a great idea.  If you are flying out of Dallas then southwest may be better.]
  4. What is your credit score?

    • If you have a medium to higher quality credit score then finding a good travel credit card should be quite doable.
    • If you are stuck with an absymal credit score, chances are finding a quality rewards card may be quite difficult.

Well this was our first post. I hope that it could help you out. If you would like we would love you to follow us on twitter.

Have a good day.  And remember, saving money with a good rewards card really is possible.  Look here at how The Million Dollar Journey gives a good review of somerewards cards for Canadians.…

Hilton HHonors Visa Signature Card [via Citi]

  1. Benefits

    • Get 40,000 bonus points after spending 1k within the first 4 months after the account has been opened
    • Recieve 6 holton HHonors bonus points for each $1 spent at participaint hotles
    • Reiceve 3 Hilton HHonors for each $1 spent at selectr super markets, drug stores, and gas stations.
    • Receive 2 hilton HHonors bous points
    • No annual fee
  2. Drawbacks

    • Requires purchases at Hilton hotels to redeem points.
  3. APR [Aprox]

    • aprox 15%
  4. Credit Score Required

    • Excellent
  5. Annual Fee

    • $0
  6. Editor’s comments

    • With the $0 annual fee an increased rewards on food and gasoline purchases this car can be a very practical way to rack up rewards.  With that being said one must be sure that they are going to have the opportunity to go to Hilton properties to redeem such rewards.

Gold Delta SkyMiles Credit Card

  1. Benefits

    • Receive 30,000 bonus miles after spending $500 on the card in the first 3 months.
    • Priority boarding and 20% in flight savings combined with a free first bag
    • Receive double the miles for Delta purchases and 1 mile on other qualifying purchases.
    • Annual fee is waived for the first year
  2. Drawbacks

    • Annual fee $95 [after 1st year]
    • Flights must be with Delta
  3. APR [Aprox]

    • aprox 15%-20%
  4. Credit Score Required

    • Excellent
  5. Annual Fee

    • $95
  6. Editor’s comments

    • Delta has rather large number of international and domestic flights.  If you are looking for a card what you can use augment your current delta travel and international travel plans then this might be a good card for you.  With the $95 annual fee you must be sure that you will be making enough qualifying purchases to make the card profitable.