This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. What is written in the article is the editor's opinion.
I’m sure it’s happened to you at some point. A friend asks, “How do you do it?” Take all these trips to places like Hawaii, Tokyo and Osaka, Dublin, Barcelona, and more. How do you get free hotel rooms that cost hundreds of dollars a night?
“I want to travel like you do,” they say. “Where do I start?”
And you have that moment where you’re thinking inside, “Well for starters, using that debit card for everything you buy isn’t helping anything.” *cough* Kierstin *cough*
You ask about their spending habits. “Do you shop online?” Definitely use a shopping portal – get free miles for clicking a link.
And sign up for dining rewards while you’re at it because you never know when you’ll get some extra miles in your account – especially if you live in a mid-sized to large city.
In This Post
As far as cards go… where to begin?
- Link: Chase Sapphire Preferred – Compare it here
|Chase Sapphire Preferred||50,000 Chase Ultimate Rewards points|
|• $95 annual fee||• $4,000 on purchases in the first 3 months from account opening|
|• The best card for beginners||• Compare it here|
Part of me is tempted to say, Discover It ’cause it’s so easy to earn cashback. Or Citi ThankYou Premier because it earns 3X on all travel including gas (but the transfer partners are obscure and points take days to post). Or even Citi Prestige if I know the person books a lot of hotel rooms or buys a lot of flights on American – I can argue why the annual fee is worth it.
Getting Chase Freedom is kind of pointless with the Sapphire Preferred… so I always trace my steps back to the same place.
Dammit, the best card to start with really is the Chase Sapphire Preferred.
Why I recommend the Chase Sapphire Preferred
Here’s what it comes down to:
- Easy, daily bonus categories (2X points per $1 spent on travel and dining)
- Great sign-up bonus
- Easy to rack up points with ongoing spending
- Excellent shopping portal (and only one of its kind – Amex, Citi, and Starwood don’t have one)
- Useful transfer partners with instant transfers – *this is KEY*
To start, you earn 50,000 Chase Ultimate Rewards points when you spend $4,000 in the first 3 months of opening your account. And the $95 annual fee is waived the 1st year. Stick with me here.
The sign-up bonus is already worth $500 in statement credits. Or $625 on travel. Or even more when you transfer to travel partners.
Not only that, but they have useful transfer partners:
- 50,000 Chase Ultimate Rewards points are worth ~$700 toward Southwest flights
- Lots of United award flights are easily bookable on United.com
- Booking a Hyatt award night couldn’t be easier – just tick “Hyatt Gold Passport” to see how many points you need for a free night
- British Airways is a good level 2
- From there, you can learn Flying Blue and Singapore when you have a sec
Basically, this card is good for peeps who know nothing and need to have it easy. AND for those who don’t mind really geeking out and digging around in award charts.
Southwest, United, and British Airways and more than enough if you want to travel domestically.
Important: Don’t even bother applying for this card if you’ve opened for than 5 other cards in the previous 2 years. But if you’re a beginner, this shouldn’t be an issue – and it’s a good place to start.
That 1st transfer
My friends ask, “So I just transfer the points? And they show up on the other side?”
Ah, I remember my first award booking with points. Still so unsure and skeptical it would actually work.
Then, when I booked the flights, I felt somehow the flights weren’t “real” – that I’d be found out and have them taken away. How could that be possible? Free flights? Yeah right. Where’s the scam?
It wasn’t until the 3rd or 4th award trip that I started to gain confidence in booking awards.
And having instant transfers is really so nice. You transfer to United, refresh the page, they’re in the account. Same for Hyatt, British Airways, Southwest, and the whole lot.
You can even call to book the award and transfer while you have someone helping you on the other end.
If you want “points training wheels”, this is an excellent place to begin – with a lot of power left over.
Extra points for everyday spending
Most of my friends eat out too much and frequent too many bars. Sound like your friends? For the love of god, earn bonus points on it!
The travel category is very broad and includes airline tickets, hotel stays, tolls, train passes, bus fare, parking, and lots of other incidentals.
Plus you’ll earn 1X point per $1 spent on other stuff. It’s not a lot, but it’s also a lot better than what you’ll earn with a debit card: nothing.
The biggest objection I hear is: $4,000?!?! I can’t possibly spend that in 3 months (to meet the minimum spending requirement). So that’s $1,333 per month for 3 months.
How much is your rent? Put it on a card and eat a small fee once or twice.
Use it when you have a big purchase coming up, like a new appliance, upcoming move, or big party to plan. I even bought a car with credit cards.
Or, take your friends out, pocket their cash, and run the bill through your card.
There are plenty of ways to hit the minimum spending requirement.
- Link: Chase Sapphire Preferred – Compare it here
So I wrote this to share with my friends – I won’t name names lol. 😉 Does this help to explain a little why I like this card so much for beginners?
The other thing I hear is “Oh, it’s all too much to keep track of.” Is it? In my view, I don’t mind “keeping track of it” because I know what it gets me – free travel! That’s really what it comes down to.
Travel is my life’s passion, my ultimate dangling carrot. So hell yeah, I will track the crap out of some points and miles.
Click through here if you want to see and compare lots of current card offers. Those are my referral links – and I thank you for using them. But before you apply, please Google the offer to make sure it’s the best. Something like “[Name of card] best offer” in the search field works quite well.
And here’s the link to the Chase Sapphire Preferred application if you know you want to apply – it is the best current offer at the time of writing.
I promise redeeming the points with travel partners isn’t too difficult. Just sign up for a loyalty account, copy and paste the number, and press “Transfer.” It will feel awkward the first time – but it’s easier as time goes on.
And doing that over and over is the answer to the question of, “How do you do it?” That’s how I do it, since day one and up through to now.
So feel free to ask any questions. I had so many questions when I started out with all this.
And to my regular peeps, what card do you recommend when someone asks, “How do I travel like you do?”
BEST Current Credit Card Deals
- Chase Ink Business Preferred - Earn 80,000 Chase Ultimate Rewards points and 3X bonus points for travel, internet, cable, and phone service
- Chase Sapphire Preferred - Earn 50,000 Chase points with the BEST card for beginners
- Chase Ink Business Cash - Earn 50,000 Chase Ultimate Rewards points and 5X bonus points for office supplies, internet, cable, and phone service with NO annual fee
Support me by opening one of my favorite credit cards for award travel!