>>2731291
Capital One Venture X is one option. You get $300 of travel spend back in credits if you use their (kinda shitty) portal, and a bunch of extra points if you use their (kinda shitty) portal. And Priority Pass and Global Entry credits. I have this one, it's OK.

Another common one is Chase Sapphire Reserve. Better cash back, no need to use any lame portal, but $550 annual fee. I had this one pre-COVID when the AR was $400, it was kino. It doesn't seem worth at $550 but it's a great card.

A cheap option is Navy Federal's Visa Signature Flagship Rewards. 3x back on travel, pays for Amazon Prime (for now), $49 annual fee. But you have to be in Navy Federal which means military or family of military.

You need impeccable credit for all of these but I would hope you're not asking this question if you have like a 650 credit score or something. You also shouldn't be asking this question if you plan to keep a balance on any of these cards; pay them all off every month or don't bother, because you'll lose your ass in interest and wipe out any benefits or savings.

>Do you earn enough back to make up the cost
You can do the math on this yourself, just calculate the cash back percentage and times it to your average annual spend on travel. For the big ones like the CSR, it's probably not worth it unless you spend five figures on travel annually.

>>2731293
My credit score is 683. I think I have trouble getting it higher because I only have one card with a low $1,000 limit. Is that too low to get approved?

Also I hear it is actually bad to pay off all your credit card debt. Thus I try to always keep a minuscule balance of like $3 - $6 for that reason.

>>2731298
the best thing is to have low credit utilization. I have 2 credit cards but i only pay the monthly fee which is $3

>>2731298
>I hear it is actually bad to pay off all your credit card debt.
you have the mindset of a slave

>>2731291
My bank card gets me the mid-market rate at ATMs. That's all that matters. Good goy points with airlines are just a pain in the ass.

>>2731293
This, they dont want my ass even if my credits 720 cause ive been churning hard in 2022 and 2023 but i got it through a family member authorized user, looking forwards to the lounge access

>>2731293
Sapphire reserve has gone downhill IMO. Higher fees and lower redemption bonuses. The major benefit now is the sapphire lounges being built at several US and international airports

>>2731338
How many points per dollar spent do you get with the new downhill Sapphire?

>>2731291
Also do these travel credit cards not charge conversion fees when abroad? Or do they offer lower conversion fees?

I’m leaving for Europe soon.

>>2731298
>My credit score is 683. I think I have trouble getting it higher because I only have one card with a low $1,000 limit.
My credit score is 833, and I've only ever had one card. I started with a $1500 limit.

>Also I hear it is actually bad to pay off all your credit card debt.
It's not "bad."
Being delinquent on payments is definitely a bad thing.
Paying at least the minimum on time is a good thing.
Paying it all off at once is nice, but you don't get extra good-boy points for doing it.
I typically pay off my credit card almost as soon as I use it. Sometimes I even "overpay" if I'm anticipating a huge purchase. Again, this doesn't make me special, but it doesn't actively work against me either. I do this for my own personal comfort, not for any financial advantage.

>>2731299
>the best thing is to have low credit utilization.
This is very valid, take notes here.

If you spend $500 with your $1000 credit card, your credit utilization would be at 50%.

If you sign up for another $1000 credit card, and you still spend $500, your credit utilization would now be at 25% ($500 out of a combined $2000 credit limit).

The higher your credit score, the more easy it is for you to be approved for more credit. The more credit you have access to, the lower your utilization gets. It is a very jewish system, but both sides of the transaction are aware of that.

>>2731339
Mostly 1 per dollar spent but there are some bonus points like travel and dining. If you eat out a lot it’s a good card, 3 points per dollar spent dining

>>2731388
The sapphire reserve charged minimal fees last time I used it in Europe. It was negligible from what I recall

>>2731298
>Also I hear it is actually bad to pay off all your credit card debt
I have an 810 credit score and have never paid a single cent of revolving credit interest in my life. Pay them all off, every month.

>>2731338
The new sapphire lounges are fantastic. But you get 1 use per year on Venture X.
They really are a tier above though

>>2731291
My friend married a traveling nurse and they use an AAdvantige Executive card to go about the country

>>2731415
I looked it up and it’s tied to American Airlines:
>https://www.citi.com/credit-cards/citi-aadvantage-executive-credit-card

I don’t really travel domestically much within the USA.

I’m going to Greece again this year. And while there I may take a short haul flight to Israel. Next year I may try to visit Russia to join their celebrations for wining the Ukraine proxy war that our burger country instigated…

>>2731549
>t. ivan shalomoich

>>2731339
5x travel through portal, 3x for dining and all other travel, 10x for Lyft and dinner reservations through chase portal, 1x for everything else. There is also a $300 statement credit for travel purchases so the annual fee is essentially $250. Worth it imo especially if you live in a city with a chase lounge. If not you still get the priority pass benefit

>>2731592
What do you mean by travel through portal? There are certain things like certain hotels, certain car rental companies that you can book via their web portal for more points and possible discounts?

>>2731300
>>2731391
>>2731400

I just went to my local bank(a credit union) and the lady there confirmed that paying off all your credit card debt is actually worse for your credit rate. I also heard the same from a friend who attended a course on how to build your credit to obtain a home loan. I also heard the same in a podcast. A co-worker said he talked to a credit card rep who also said the same.

Do any of you have a source that paying off all your credit card balance is actually good for your credit score?

I also applied to get my regular bank issued Mastercard limit upped to $2,500. I'm hoping I get approved for that.

>>2731742
people who work for credit card companies told you that paying off your credit card is a bad idea? amazing
you get a higher credit score by using credit, yes. it is a measure of how much of a target you are for credit companies
the better solution is to reduce your dependency on credit (or debt, as it should really be known)
yes a credit card is useful for travelling. but most normal people will be able to get a decent enough card for that
the only acceptable long term debt is a mortgage but you can shop around and find deals etc
basically as long as you don't miss payments or borrow too much at any time you will be ok

>>2731743
Do you have any source for that?

I have listened to podcasts that also have said that for a good credit score, it is better to keep some kind of revolving debt instead of paying everything 100% off every payment cycle. As I mentioned before:
>>2731298

I keep a very small revolving balance of $3-6. It incurs a marginal amount of interest that is negligible.

>>2731293
>Another common one is Chase Sapphire Reserve.

If I apply for a Chase Sapphire or other card how long will it take to get approved? My flight for Greece leaves on Friday the 15h.

I'm guessing I won't be able to able to get that card or any card in time?

>>2731745
>Do you have any source for that?
i can only speak about my own life anon
i have two personal credit cards, from different banks. one i use for my daily life and one i keep for emergencies (e.g. if the first card is blocked for some reason)
in normal circumstances i pay them both off completely every month. both have a limit of about £9000 ($11630)
i don't worry about my credit score. i suspect it is quite bad, since frequently i wait until i get reminders about utility bills etc before i pay them. also, with the exception of my mortgage, i don't have any loans or anything that could be used as a measure of how good a payer i am.
rather than trying to increase your credit limit, a better plan is to try to increase your cash reserve so that you can buy anything you need without using the card. i mainly use the card for convenience and the extra protection it gives when doing e.g. online shopping. but i keep a cash reserve of about 2-3x my monthly income to pay off the card and for emergencies
(with my mortgage, i can afford to pay it off at any time, but i can get a better return with the money elsewhere)
keep in mind that things are different here in the uk than in the usa. generally, we don't get lots of offers, points etc with our cards (although one of mine gives a trivial amount of cash back) but also we don't pay an annual fee for normal cards and i believe out interest rates are slightly lower

>>2731769
>i don't worry about my credit score.

The whole point of my initial post is that paying off your whole credit card balance instead of keeping a very small balance(I aim for $3-$6) is worse for your credit.

I am not talking about not using credit. I made the mistake of not using credit almost all my life and not caring about my credit score. Now I have enough saved to make a down payment on a house, except I likely wouldn't get approved because I never focused on building a credit history or my credit score.

>>2731770
>Now I have enough saved to make a down payment on a house, except I likely wouldn't get approved because I never focused on building a credit history or my credit score.
do you have a job that pays a regular salary?
is it always paid into the same bank account every month?
is that account always in credit?
is the amount you get paid big enough to easily handle the amount you would be paying out in a mortgage?
is the amount you have saved at least 20% of the price of the house you want to buy?
if the answer to all these is yes, then you should have no problems getting a mortgage, especially if you can get it from the same bank your salary is paid into (that is what i did)
if the answer to the last question is no, then save more before thinking about taking on a mortgage
if the answer to any of the other questions is no, then you need to seek more stability in your life. this is more important than some arbitrary "score" that is assigned to you. and you shouldn't be thinking of taking on a huge debt anyway
but this is /trv/ not /financialadvice/ so i recommend blowing the lot on a massive round the world trip

>>2731742
If you hold debt you're retarded when it comes to a credit card. You're just paying them extra money every month. Just wait for the statement balance then pay the statement balance, simple as that.

>>2731746
Instant if approved or denied. About 1-2 weeks if under review. Chase is the one place where you can request free expedited shipping so if you do get approved you can make it arrive fast.

>>2731792
I live in northern NJ, very close to NYC. Do you think it is even possible that I could pick up the card in person if I traveled to NYC?

Anyway, I am going to apply for the Chase Sapphire reward and hope that I get accept and that it could arrive before Friday the 15th when my flight leaves.

>>2731792
Wow, I was instantly approved after making my online application for the Chase Sapphire Reserve credit card. And I got a $13,500 credit line which means I will never have to worry about high utilization past 20% of my credit limit which is bad for my credit score.

My question:
Some screen popped up saying my card would arrive in like 5 or more days. How do I go about requesting faster shipping or processing on that so I have it before Friday November 15th?

>>2732033
You have to call the support line and request it via call. Also nice on the approval! It's a visa infinite so all of them have at least a 10k minimum limit.

>>2732013
>>2732033
>>2732368

I sent a secure email via my new Chase account and they replied that they sent the card using expedited shipping.

>>2731592
What is so good about a Chase lounge?

I live in northern NJ very close to NYC and travel there semi often for day trips or shopping for rare items. Are there Chase lounges in NYC?

>>2731291
The one offered by GreenState Credit Union.
Unlimited 5% cash back on hotels and airlines.
Unfortunately, it is now restricted to Wisconsin residents (I was grandfathered-in).

>>2731632
>what do you mean by travel through portal
Using the Chase travel portal to book travel. It has limited airlines and you pay about 10% extra per flight. It's best to transfer points to partners IMO. The portal is always more expensive than booking direct with an airline, hotel, rental car, etc

File: bonvoy-cobrand-japan-prem(...).png (91 KB, 480x304)

91 KB PNG

>>2731291
I will comment although I am not burger so I don't have access to the fanciest jewish financial inventions.

I have tried bank cards, airline cards, and they were all pretty shit. The only good return I got was on the Marriott Bonvoy credit card, tons of perks and free nights / upgrades if you spend enough. Couple that with airline miles (can trade the card points for miles too, of course) and you can get really cheap and fancy holidays.

>>2733136
Eurofag here. I wish I could get a Marriott card for the free nights and other perks.

>>2733136
If you're looking for a high end hotel card then the Hilton aspire is way better. $550 annual fee for $400 in resort credit, diamond status, $200 airline credit, and an uncapped free night.
Burgers in general have a plethora of options to work with, so the brilliant being $650 for a $300 dining credit + a free night is not very good comparatively. That said a lot of people are better off with simple cashback, but the free hotel/flights from chasing welcome bonuses cannot be understated.

>>2731291
Op here again. I tried using my new Chase Sapphire Reserve credit card to withdraw a cash advance in Euros from a Greek ATM yesterday. But it didn’t work since it asked for a PIN number and since it’s a credit card it has none. So I had to use my Mastercard debit and eat the conversion fees from US dollars to Euros.

In the future how would I go about using the Sapphire card to get Euros while paying less fees?

>>2735007
>But it didn’t work since it asked for a PIN number and since it’s a credit card it has none
???
on my planet a credit card has a PIN
>I had to use my Mastercard debit and eat the conversion fees from US dollars to Euros.
you would also be paying the fee by using the credit card. even if it wasn't explicitly written, it would be built in somewhere

>>2733247
yes, I'm just not a burger so I don't have access to that. I am resident in Japan and credit cards here are laughably shit to the extent that you can be pretty much losing money on the high-fee cards. the Bonvoy is one of the very few acceptably good ones.

>>2735020
I don’t know why you don’t just state what country you live in…

In the USA debit cards linked to your checking have PIN numbers. Credit cards don’t. Also I was under the impression that Chase Sapphire didn’t charge currency conversion fees.

>>2735155
even if your credit card didn't come with a pin when you got it, you can still request a pin for atm/overseas use
not needing a pin when you use your credit card in person is one of those weird american things. last time i was in the usa i was still asked to sign a paper slip in a couple of places. also in restaurants it seems common to allow waiters to actually take your card away rather than bringing a payment machine to your table. no wonder there are 50 million incidents of credit card fraud in the usa every year