Disclosure: For the links below, I do receive commission on some of the products if you do sign up. I appreciate you supporting me by signing up through the links. All of the links I have below are products that I use to save money or earn extra points and miles for travel, and truly believe in, or else I would not be recommending it. Feel free to reach out to me if you have any specific questions about a program/product.
Below are the links to all of my credit cards.
The reason the Chase Sapphire Preferred® is a great credit card for beginners is because it has a low annual fee ($95) but has a lot of premium travel card benefits (travel insurance, primary car insurance). Plus, since it is a Visa, it is accepted almost everywhere.
The reason the American Express® Gold Card is a great card for most people is because it earns 4x points on restaurants and supermarkets up to $25,000 per calendar year. Everyone eats food, so that is a very easy card to earn a ton of points on. It does have a $250 fee, however, with dining credits totaling $120 per year, and Uber credits totaling $120 per year, plus other offers that are made available throughout the year, the card pays for itself.
If you rent, I highly recommend the Bilt card. With this card, you can pay your rent without a credit card fee. Even if you don’t rent, this card earns 2x points per dollar on travel, 3x points per dollar on dining, and 1x points per dollar on all other spend, including rent. Plus, on the first of every month, you earn double the points on all purchases except for rent. Best of all, this card has a $0 annual fee. Also, if your landlord is registered with Bilt, you can even earn Bilt points without opening a credit card. These points are transferrable to 12 airlines and 2 hotel programs, making them even more valuable than cash back.
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offers. Terms apply to American Express benefits and offers. Enrollment may be required for
select American Express benefits and offers. Visit americanexpress.com to learn more.
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer,
hotel, airline, or other entity. This content has not been reviewed, approved or otherwise
endorsed by any of the entities included within the post.