OMG! THIS Is The FintechZoom Best Travel Credit Card 2024| Travel Finance Guide

Sep 5, 2024

Last Updated on: Nov 18, 2024

Travel Guides

Is it about getting most of your travel credits? It’s time to check out the FintechZoom best travel credit card alternatives. 

As I was traveling in July this year, the travel credit card I was using gave me a lot of hassle. Only a traveler stuck in a foreign land knows what a nightmare it is! The bonus policies were all over the place for me, and every time I wanted to redeem my award points, the hotels charged me a certain fee. I was angry and did not know why I earned those points! 

However, as I returned home, I started exploring other options and found the Platinum Card® from American Express a feasible option. 

Then again, a better option for me may not work for others. So, as a traveler, I felt that I should have a sincere discussion about the traveler-friendly options available. 

The travel credit card you choose will decide your travel benefits and how many miles you gather. FintechZoom has suggested some of the most suitable travel credit card options. In this guide, we will delve deeper and determine the best options for you. 

THIS IS Why You Will Choose FintechZoom Best Travel Credit Card

FintechZoom Best Travel Credit Card

Let me be as honest as a mirror for you! I am always skeptical about what financial solutions to trust, and I piss my partner off with endless questions as he has a better understanding of these things. Then again, he wanted me to learn things the hard way. So, he suggested that I explore the FintechZoom options. 

FintechZoom is the best platform for choosing the best travel credit card because of its in-depth analysis and comparisons. Further, FintechZoom makes the most of the artificial intelligence (AI) technology to provide specific information based on accurate financial stats. 

In addition, I was really impressed by the transparency of the platform, and the app offered easy navigation while I was exploring options. 

THIS Is The FintechZoom Best Travel Credit Card 

Here, I present the FintechZoom best travel credit card! I will keep it to the point and drive to your travel requirements. 

1. Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

As I was exploring the Chase Sapphire Preferred® Card travel benefits, I found out that USA Today has called it the best travel credit card for “beginners and experienced travelers.” Indeed, the terms are pretty clear and transparent. 

Also, my research said that in 2021, Chase was the largest credit card issuer based on market share. So, there is enough backing to go by the FintechZoom suggestion. 

What You Get From The Chase Sapphire Preferred® Card

The table below explains the benefits of the Chase Sapphire Preferred® Card. 

Welcome Bonus60000
Flexible Point Transfers* 14 Airline or Hotel Partners (Or you can redeem through Chase Travel℠ at 1.25 cents each.)
Travel Purchase through the Card5x Reward Points
Dining3x Reward Points
All Other Travel Purchases2x Reward Points
Annual Hotel CreditsUp to $50
Points Worth 25% More When Booking Travels (For example, for 10000 points, you will get $125 as cash back or gift cards)
Yearly Bonus10%
Repay Eligible PurchasesUp to 24 Months Without Interest (Purchase of $100 or More)
Complimentary Travel Protections$10,000 Per Person and $20,000 Per Trip (Against non-refundable, pre-paid travel expenses when the trip is canceled or interrupted)
Purchase Protection Benefits $500 for Each Item and $50000 for Every Account
Foreign Transaction FeesWaived Off
Referral PointUp to 75000 a Year on Successful Referrals (15000 Points on Each Referral) 

However, I found two downsides of the card. The $95 annual fee is a little bothersome. Also, the “21.49%-28.49% variable APR” is high. 

* Point transfers can occur among 11 airlines and 3 hotel partners on a 1:1 basis. So, there will be no transfer fees. Marriott, Hyatt, United Airlines, Air Canada, and Air France are some of the prestigious partners for this point transfer benefit. 

2. The Platinum Card® from American Express

The Platinum Card® from American Express

Platinum Card® from American Express is celebrating its 40th year. So, you will get many years of trust and safety when you pick this one. Further, with this best travel credit card, you will get access to airport lounges, and as I have started using this travel credit card, I am already in love with the car rental benefits. 

Even though the $695 annual fee is quite high, it has offered me more than $1500 in benefits and values. For me, it is a suitable option as I travel quite often. Honestly, the high annual fee can be justified only when you are using the card frequently.

No other card comes with as much perk potential as The Platinum Card® from American Express (terms apply, see rates & fees). If you travel frequently and want to do so in style, this card deserves a place in your wallet.

However, this card is best for urban fitness buffs, frequent travelers, high-end shoppers and those who want top rewards on flights and premium accommodations. If you don’t fit the profile, justifying the $695 annual fee might be a stretch.” – Forbes

This Is What You Get From Platinum Card® from American Express

Learn the American Express Platinum Card® benefits from the table below. 

Membership Rewards80000 (After spending $8000 on “eligible purchases in the first six months of the card ownership.)
Foreign Purchase Transaction Fees None
Flight And Prepaid Hotels Booked through the Card5x Reward Points
Other Purchases 1x Reward Points
Airline Free Credit Up to $200
CLEAR® Plus Membership$199
Global Entry or TSA PreCheck® Application Fee CreditUp to $85
Hotel Benefits Up to $200
Digital Entertainment CreditMaximum $240
Equinox Credit $300
Cellphone ProtectionUp to $800 for Each Eligible Card Account

Further,  British Airways Avios and Air Canada Aeroplan are some of the prestigious aviation partners of this travel credit card. Also, among the hotel partners,  Marriott Bonvoy and Hilton deserve a special mention. 

I am so proud to have chosen this card! 

3. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers an easy and transparent reward program. Here is what you get with this best travel credit card.

  • Unlimited 2x reward points on every purchase
  • 75000 sign-up bonus on a $4000 purchase in the first three months
  • 1,300+ airport lounges access

So, overall, this is a card for travelers who go on a trip twice or thrice a year and prefer simple terms. 

4. Citi Premier® Card

Citi Premier® Card

The Citi Premier® Card has great rewards for travelers. You can earn 3x reward points on air travel, hotel booking, and gas station usage. 

You have to visit the ThankYou® Rewards program to redeem your reward points. Further, you can transfer the points to the airline partners of the travel credit card for added benefits. 

Things No One Told You About Choosing FintechZoom Best Travel Credit Card

Things No One Told You About Choosing FintechZoom Best Travel Credit Card

FintechZoom’s selections are great, and now you have better options. However, to choose the best travel credit card for you, you will have to abide by the following smart tips. 

Earlier, I was foolish not to think of these aspects, and I don’t want you to make the same mistakes. 

Consider Your Travel Habits

You must keep your frequency and expense of traveling and the benefits a card offers on purchases. Further, be careful about dining, lodging, flight booking, and car rental benefits. These are the things that cover the majority of our travel expenses, right? 

Know the Sign-Up Bonus

When you get a travel credit card, know the minimum amount you need to spend to get the sign-up bonus. It is crucial to get the sign-up bonus if you want to increase your rewards balance. 

Further, make sure that the minimum amount you need to spend for the sign-up bonus is within your budget. 

Look at the Annual Fee

Is your travel credit card waiving off the annual fee for the first year? Or does it offer annual credits? 

These are some of the factors that you need to consider to get the best travel credit card. Also. ensure that the perks and rewards of your card are more than the annual fee you pay. 

Know About The Foreign Transaction Fees Benefits

Foreign transaction fees are bothersome for international travelers. So, waiving foreign transaction fees is crucial if you travel to other countries frequently. 

Flexible Redemption Options

Flexibility and versatility in redemption options are important while using a travel credit card. The best one will allow you to transfer points to hotels and airline partners. 

Of course, the option of redeeming your points as cashback or gift cards is always available. 

FAQs About FintechZoom Best Travel Credit Card

1. What makes FintechZoom’s travel credit card recommendations reliable?

FintechZoom is famous for its objective and accurate reviews. Further, FintechZoom has reviewed factors, such as sign-up bonuses, redemption points, travel benefits, and annual fees, to suggest the best travel credit cards for us. 

Also, the FintechZoom travel credit card suggestions cater to all types of travelers and their different requirements. 

2. Can I have more than one travel credit card?

Yes, you can have more than one travel credit card. Each card comes with its unique reward redemption benefits and bonuses. 

If you are an aware user, you will know the perks of each card and which one will be the most suitable for the type of travel expenses you are making now. 

So, use your cards strategically to optimize your travel benefits and earn more points. 

3. How can I maximize my travel rewards with the FintechZoom best travel credit card?

You can follow simple tricks to optimize your travel credit card benefits. 

  • Know and use the sign-up bonuses.
  • Pay your credit card bill in full and final at the end of every month.
  • Know and transfer the transfer points and transfer them to travel and airline partners for optimized benefits. 

4. Are there any downsides to using the FintechZoom best travel credit card?

Yes, some travel credit cards can have downsides in the form of high annual fees and APR. Also, the interest rates of these credit cards increase in leaps and bounds if you don’t pay the monthly bill in full.

Therefore, you have to be mindful of your financial state and control your spending habits before you apply for a credit card. 

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Meet Sibashree Bhattacharya, a travel enthusiast who has a decade-long experience in transcending virtual barriers with her words! Her deep love for travel is apparent from her travel escapades to the mountain, often taking her readers on a journey, her words acting as Portkey! Fun fact: Sibashree loves to dive deep into the history of the places she is about to visit, making her travels even more wholesome. If you were wondering how her articles are not short of time travel, this answers it!

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READ MORE Traveling With Children Essential Vaccinations For Young Adventurers

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BY  Ankita Feb 13, 2024

Traveling opens up a world of adventure, especially for younger explorers. But before you book your tickets and board the plane, it’s important to know that proper immunization is critical to ensure your child's health and safety abroad. Are you equipped with the essential vaccinations for your young adventurer? Key Takeaways Vaccinations are critical for safe travel. A tailored immunization schedule is necessary. Proper administration and aftercare of vaccines protect young adventurers. Fundamental Concepts Of Vaccination When planning trips for young adventurers, it is crucial to understand how vaccines protect against diseases by boosting immunity, and the processes that ensure their safety and efficacy. Understanding Immunity And Vaccines Your immune system is your body's defense against infections. When exposed to disease-causing organisms, your body produces antibodies to fight the invaders. Vaccines are biological preparations that provide this immunity without causing the disease itself. They contain weakened or killed forms of the microbes or their parts, stimulating your immune system to recognize and combat the actual disease if you're exposed in the future. Types of Vaccines: Live, attenuated vaccines Inactivated vaccines Subunit, recombinant, polysaccharide, and conjugate vaccines Toxoid vaccines Common Vaccines for Kids: Measles, Mumps, and Rubella (MMR) Diphtheria, Tetanus, and Pertussis (DTaP) Polio (IPV) Hepatitis B Vaccine Development And Safety The development of vaccines is a rigorous process. It involves several stages of testing for effectiveness and safety before they can be approved by regulatory bodies such as the CDC and the American Academy of Pediatrics. After a vaccine is released, it continues to be monitored for adverse side effects. Vaccine safety is a priority, and side effects, when they occur, are mostly mild, such as a sore arm or low-grade fever. More serious side effects are very rare. You need to be aware of the recommended vaccine schedule for kids to ensure they are protected against preventable diseases during their travels and beyond. Vaccination Schedule And Recommendations It's crucial to adhere to recommended vaccination schedules for different stages of life to ensure protection against various diseases. Childhood Vaccination Guidelines Your childhood immunization schedule starts from infancy. The CDC and American Academy of Pediatrics (AAP) outline that infants should receive multiple doses of vaccines such as DTaP, which protects against diphtheria, tetanus, and pertussis. It's important to keep a record and follow up with your pediatrician to stay on track. Birth to 6 years Vaccine Schedule Summary: AgeKey ShotsBirthHepatitis B1-2 MonthsHepatitis B, DTaP, Rotavirus, Hib, PCV, Polio4 monthsDTaP, Rotavirus, Hib, PCV, Polio6 monthsHepatitis B, DTaP, Rotavirus, Hib, PCV, Polio12-15 monthsHib, PCV, MMR, Varicella4-6 yearsDTaP, Polio, MMR, Varicella Adolescent Immunization Needs As you transition into your teen years, additional vaccinations are necessary to maintain immunity. Adolescents should receive the Tdap vaccine, a booster for tetanus, diphtheria, and pertussis, typically around 11-12 years old. The HPV vaccine series should also begin at this age to protect against human papillomavirus-related diseases. 7-18 years Vaccine Schedule Summary: AgeKey Shots11-12 yearsTdap, HPV series start, Meningococcal16 yearsMeningococcal booster Vaccines For Specific Age Groups Young adults should ensure they are up to date with vaccinations, especially if they haven't completed the HPV vaccine series or haven't received a Tdap booster in their adolescence. As you age, vaccines like the annual influenza shot and potential travel-related vaccines become pertinent based on your lifestyle and destinations. Always consult with a healthcare professional to tailor your immunization plan to your specific needs and to assess whether you need any catch-up vaccines. 19-26 years Vaccine Checkpoints: Annual: Influenza As needed: HPV series completion, Tdap, Travel-specific vaccines (Hepatitis A, Hepatitis B, Typhoid, etc.) Protection Against Specific Diseases As you prepare for your adventures, ensuring you are vaccinated is a key step in protecting your health. This section covers essential routine and travel-related vaccines and guidance for disease outbreaks and seasonal vaccinations that are critical for young adventurers. Routine And Travel-Related Vaccines Your vaccination schedule should begin with routine vaccines that protect against common diseases. These include: Measles, Mumps, Rubella (MMR): A combined vaccine providing immunity to these three diseases. Diphtheria, Tetanus, Pertussis (DTaP): Protects against these bacterial infections; a booster is needed every 10 years. Polio: Typically given in childhood but check your status as it's vital for travel to certain regions. Varicella (Chickenpox): Important if you haven't had the disease in childhood. For hepatitis A and hepatitis B, vaccines offer long-term protection, particularly important in regions with higher incidence rates. As for travel-specific vaccinations, they depend on your destination: Yellow Fever: Required for entry into certain countries; check if it's necessary for your itinerary. Typhoid and Hepatitis A: Recommended for travelers to most parts of the world, including Southeast Asia. Vaccine Shots for Southeast Asia: shots for Japanese encephalitis and typhoid are needed, along with malaria pills for protection against the mosquito-borne disease. Rabies and cholera shots should be considered as well. Disease Outbreaks And Seasonal Vaccinations Be aware of disease outbreaks in your travel destinations. This requires staying informed about current health threats which may necessitate additional vaccinations or precautions. For seasonal vaccinations, the yearly flu shot is recommended for all travelers to maintain health and minimize disruptions to their plans. Additionally, consider vaccines for: Meningococcal disease: Especially if you're visiting areas where outbreaks are common or live in close quarters with others (e.g., hostels). Human papillomavirus (HPV): Recommended to protect against various cancers and diseases caused by HPV. Rotavirus: Particularly for young children, as this vaccine is part of the routine immunization schedule. Always consult with a healthcare provider or a travel medicine clinic well in advance of your trip to ensure you receive all necessary vaccinations for safe travels. Vaccine Administration And Aftercare Ensuring proper vaccine administration and managing aftercare can significantly enhance the benefits of immunization, such as reducing the risk of hospitalization due to vaccine-preventable diseases. Read Also: Bali Beyond The Beaches: Exploring The Hidden Gems Of The Island Preparing For Vaccination When preparing for vaccination, it is crucial to consult with your pediatrician to understand which vaccines are appropriate for your kid. Your healthcare provider will recommend the necessary doses, including if a booster shot is needed. For example, the COVID-19 vaccine regimen may consist of more than one dose. Make sure you are aware of: The vaccination schedule, including the timing between doses. Possible pre-vaccination requirements: such as an allergy test for severe allergic reactions. Managing Possible Side Effects Post-vaccination, it's common to experience minor side effects such as redness, pain, swelling, and soreness at the injection site. To manage these: Apply a clean, cool, wet washcloth over the area to alleviate discomfort. Use your arm regularly to improve blood flow and reduce pain. For side effects that persist or if you experience symptoms of a severe allergic reaction (e.g., difficulty breathing, hives, swelling of the face and throat), seek medical attention immediately. Keep in mind that the benefits of vaccines, like the prevention of serious illness, often outweigh these temporary discomforts. Conclusion Your children’s health is paramount. Adhering to recommended vaccinations significantly reduces your risk of contracting travel-associated illnesses. Stay informed, be proactive with their health, and consult healthcare professionals for appropriate vaccines before embarking on your travels. 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