Title: The Best Travel Credit Cards for Casual Travelers
Introduction:
If you only take a family vacation once or twice a year and don’t travel for work, you may think that a travel credit card is not a good fit for you. However, there are certain benefits that might surprise you. While airport lounge access may not be necessary for infrequent travelers, earning miles or points at a high rate and enjoying features like free checked bags can still be valuable. In this article, we will explore three travel credit cards that are worth considering, even if you only travel occasionally.
1. Capital One Venture Card:
The Capital One Venture Rewards Credit Card comes with a $95 annual fee, but its benefits make it a worthwhile investment. With this card, you earn 2X unlimited miles on every purchase, every day, and 5X miles on hotels and rental cars booked through Capital One Travel. The miles can be redeemed through Capital One’s travel booking portal or transferred to one of their partners. Additionally, cardholders receive a TSA PreCheck or Global Entry pass credit worth up to $100, making airport security more convenient. Moreover, cardholders get two visits per year to Capital One Lounges or over 100 other lounges in the Plaza Premium Lounge network, which is more than enough for occasional travelers. With a welcome bonus offer of 75,000 miles for spending $4,000 in the first 3 months and miles valued at $750, this card offers great value for the infrequent traveler.
2. Bank of America Travel Rewards:
The Bank of America Travel Rewards Credit Card is an excellent option for those who want a card with no annual fee. It offers 1.5 points per $1 on all purchases, which can be significantly increased by 25% to 75% for Bank of America Preferred Rewards members. The card also provides an introductory APR of 0% for 15 billing cycles on purchases and balance transfers, followed by a variable APR of 18.24% – 28.24%. As a welcome bonus, you can earn 25,000 miles (worth $250 in travel) after spending $1,000 in the first 90 days. With its rewards program and no annual fee, this card is a cost-effective choice for occasional travelers.
3. Amex Delta SkyMiles Gold:
If you’re looking for a card with airline-specific benefits tailored for occasional travelers, the Delta SkyMiles Gold American Express Card should be on your list. The card has no annual fee for the first year and a $99 annual fee thereafter. With this card, you earn 2X Miles on Delta purchases, at U.S. supermarkets and restaurants worldwide, and 1X Miles on all other eligible purchases. Unlike generic points, Delta SkyMiles often have a higher redemption value. Cardholders also receive free checked bags for themselves and up to nine other people on the same reservation, priority boarding, and a $100 Delta flight credit if they spend $10,000 in a calendar year, effectively offsetting the annual fee. This card offers exclusive perks for infrequent travelers who prefer Delta as their airline of choice.
Conclusion:
While travel credit cards are typically associated with frequent travelers, there are still excellent options available for those who only travel once or twice a year. The Capital One Venture Card, Bank of America Travel Rewards, and Amex Delta SkyMiles Gold card all offer unique benefits, such as earning miles at a high rate, free checked bags, and airline-specific perks. Carefully consider your preferences and comfort with paying an annual fee before choosing the best option for you. Whether you’re looking for flexibility, no annual fees, or airline-specific benefits, these cards provide value for casual travelers. With the right travel credit card, you can make the most of your infrequent travels and enjoy the benefits they offer.
Summary:
If you don’t travel often, you may think that a travel credit card is not for you. However, there are still options available that provide valuable benefits. The Capital One Venture Card offers unlimited miles on every purchase, free checked bags, and airport lounge access. The Bank of America Travel Rewards card offers points on all purchases, an introductory 0% APR, and a welcome bonus. The Amex Delta SkyMiles Gold card provides miles for Delta purchases and premium airline-specific perks. These cards are suitable for casual travelers and provide excellent value, even for infrequent trips. Choose the right travel credit card and enhance your travel experience, no matter how often you go on vacation.
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If you take a family vacation once or twice a year and don’t travel for work, it may not seem like a travel credit card is a good choice for you. But you might be surprised.
If you don’t travel often, benefits like airport lounge access (which adds hundreds dollars to the annual fee of a credit card) are probably not necessary. However, the ability to earn miles or points at a high rate and other features like free checked bags while traveling could be nice to have.
Three best credit cards for casual travelers
Some with airline branding and others travel credit cards they are clearly designed for people who travel often. But there are some that still offer excellent travel benefits and might make sense if you only travel once or twice a year. With that in mind, here are three travel credit card ideas that might be worth it even if you only take one trip a year:
1. Capital One Venture Card
THE Capital One Venture Rewards Credit Card It has an annual fee of $95, but its benefits may be worth the cost. For starters: Earn 2X unlimited miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
And there are several ways to redeem those miles, including on Capital One’s excellent travel booking portal or by transferring them to one of Capital One’s partners.
Plus, you get some valuable travel benefits. The card credits you with the cost of a TSA PreCheck or Global Entry pass, which is worth up to $100 and makes getting through airport security much more convenient. And unlike other travel passes at this price, cardholders get two visits per year to Capital One Lounges or over 100 other lounges in the Plaza Premium Lounge network, which can be more than enough for people who travel only occasionally. Plus, starting October 2023, there’s a welcome bonus offer of 75,000 miles if you spend $4,000 in the first 3 months. Those miles are valued at $750.
2. Bank of America Travel Rewards
THE Bank of America® Travel Rewards Credit Card It’s a great option with no annual fees. It offers 1.5 points per $1 on all purchases, and with a 25%-75% rewards increase for Bank of America Preferred Rewards members, the actual reward rate can be significantly higher.
Additionally, the card offers an introductory APR of 0% for 15 billing cycles on purchases and balance transfers, after which the benchmark rate of 18.24% – 28.24% APR (Variable) applies. There’s also a welcome bonus of 25,000 miles (worth $250 in travel) after $1,000 in purchases in the first 90 days.
3. Amex Delta SkyMiles Gold
If you’re looking for a card with airline-specific benefits that’s ideal for occasional travelers, the Delta SkyMiles® Gold American Express Card it might be worthy of a spot on your list. The card has an introductory annual fee of $0 for the first year, then $99. (See rates and commissions.) But the benefits of the card can easily outweigh the cost.
For starters, the Delta SkyMiles® Gold American Express Card offers the following rewards: Earn 2X Miles on Delta purchases, at U.S. supermarkets and restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases . Terms apply. But these are milesnot generic points, and can often have a much higher redemption value than the standard $0.01 fee applied to the other two cards on the list.
Plus, cardholders receive free checked bags for themselves and everyone else nine other people on the same reservation, which can be worth $50 round trip, per person. You’ll also receive priority boarding, as well as a $100 Delta flight credit if you spend $10,000 in a calendar year, which can completely offset the annual fee alone. Deadlines apply; Registration may be required.
What’s best for you?
These are three excellent travel credit cards with little to no annual fees and some excellent benefits, even for infrequent travelers. Check out ours credit card reviews and carefully compare the advantages and disadvantages of each. The best choice for you depends on your preferences and how comfortable you are with paying an annual fee, but there’s a great argument to be made for all three.
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