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Are you a frequent traveler or planning a big trip in 2022? If so, having a travel credit card can be a great tool to save money and earn rewards. However, with so many options available, it can be overwhelming to choose the right one. That’s why we’ve scoured Reddit to find the best travel credit cards for 2022 based on real user experiences and feedback.
What to Consider When Choosing a Travel Credit Card
Before we dive into the best travel credit cards on Reddit, it’s important to understand what factors to consider when choosing one. Here are some things to keep in mind:
- Annual fee: Some travel credit cards come with annual fees, which can range anywhere from $50 to $550 or more. Consider if the rewards and benefits are worth the cost.
- Rewards program: Most travel credit cards offer rewards points or miles that can be redeemed for travel expenses. Look for a card with a rewards program that aligns with your travel preferences, such as airline or hotel loyalty programs.
- Foreign transaction fees: If you plan on using your credit card outside of the United States, look for one with no foreign transaction fees to avoid extra charges.
- Bonus offers: Many travel credit cards offer sign-up bonuses, which can be a great way to earn extra rewards. However, be sure to read the terms and conditions carefully to understand any requirements to receive the bonus.
Best Travel Credit Cards on Reddit for 2022
Based on recommendations from Reddit users, here are some of the best travel credit cards for 2022:
| Credit Card | Annual Fee | Rewards Program | Foreign Transaction Fees | Bonus Offer |
|---|---|---|---|---|
| Chase Sapphire Preferred | $95 | Chase Ultimate Rewards | No | 100,000 points after spending $4,000 in the first 3 months |
| American Express Gold Card | $250 | Membership Rewards | No | 60,000 points after spending $4,000 in the first 6 months |
| Citi Premier Card | $95 | Citi ThankYou Rewards | No | 60,000 points after spending $4,000 in the first 3 months |
| Capital One Venture Rewards | $95 | Capital One Rewards | No | 100,000 points after spending $20,000 in the first 12 months |
| Delta SkyMiles Gold American Express Card | $0 introductory annual fee for the first year, then $99 | Delta SkyMiles | No | 70,000 miles after spending $2,000 in the first 3 months |
FAQs About Travel Credit Cards
What is a travel credit card?
A travel credit card is a type of credit card that typically offers rewards points or miles that can be redeemed for travel expenses. Many travel credit cards also offer benefits such as travel insurance, airport lounge access, and statement credits for travel-related purchases.
Do travel credit cards have foreign transaction fees?
Some travel credit cards have foreign transaction fees, which can be up to 3% of each transaction. However, many travel credit cards now offer no foreign transaction fees to appeal to frequent travelers.
What are the benefits of a travel credit card?
Travel credit cards can offer a variety of benefits, including rewards points or miles that can be redeemed for travel expenses, airport lounge access, travel insurance, and statement credits for travel-related purchases. Some travel credit cards also offer sign-up bonuses and other special offers.
Do travel credit cards have annual fees?
Many travel credit cards come with annual fees, which can range from $50 to $550 or more. However, some travel credit cards offer no annual fees or waived annual fees for the first year as a sign-up bonus.
What is a sign-up bonus?
A sign-up bonus is a special offer for new cardholders that typically requires a minimum spending amount within a certain time frame, such as $4,000 in the first 3 months. Sign-up bonuses can be a great way to earn extra rewards points or miles, but be sure to read the terms and conditions carefully to understand any requirements or restrictions.
Conclusion
Choosing the right travel credit card can make a big difference in saving money and earning rewards for your trips. By considering factors such as annual fees, rewards programs, foreign transaction fees, and bonus offers, you can find a travel credit card that fits your needs and preferences. The best travel credit cards for 2022 according to Reddit users include the Chase Sapphire Preferred, American Express Gold Card, Citi Premier Card, Capital One Venture Rewards, and Delta SkyMiles Gold American Express Card. Take the time to research and compare your options to find the best travel credit card for your next adventure.