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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How to Choose the Perfect Yacht for Your Charter

BY  Sibashree Jan 16, 2025

Renting a perfect yacht for your charter is a thrilling opportunity to enjoy luxury, freedom, and adventure. Travel on the surface of the blue ocean is unlike anything you want to experience during the holidays. The different amenities available on the board give you an experience unlike anything else. You can charter an airplane for a fun and joyful ride. But there’s something else when it’s a yacht.  However, selecting the ideal yacht can seem overwhelming, with so many options available.  Whether you’re a seasoned sailor or a first-time renter, here’s a step-by-step guide to help you choose the perfect yacht for your trip.  1. Define Your Vacation Style Think about the type of experience you want. Are you looking for a romantic escape, a family-friendly adventure, or a lively party with friends? Your vacation style will guide you in selecting the right type of yacht.  Sailing Yachts: Ideal for those who love the authentic experience of navigating with sails. 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READ MORE is spirit airlines safe

Is Spirit Airlines Safe? Get Your Answer Here!

BY  sagnika Jun 24, 2023

Are you making plans to travel someplace? Are you wondering is spirit airlines safe when you are booking flights? Read this article to learn more by evaluating reviews of spirit airlines. Spirit Airlines, Inc. has its headquarters situated in Florida. In recent times, the company has been in discussion with JetBlue Airlines in relevance to acquisition. The company's expansion in the last few years has led to it covering more than 30 countries worldwide. In the recent past, Spirit Airlines has faced penalties from the U.S. Federal Aviation Administration (FAA) for violating federal regulations based on placards, seat markings, and cabins. Due to the different issues identified in the airlines and their functionality, the brand is experiencing a loss. Is Spirit Airlines Safe? - Answered Here Spirit Airlines is one of the most used airlines in the United States due to its low budget. The airline has been in operation for 20 years now, and it is one of the most convenient and affordable options for people trying to travel within a set budget. The flights provide a comfortable experience for all the passengers who book their flights with Spirit Airlines. The low-cost carrier ensures that all passengers are safe, and they try to provide excellent services. Due to the low cost, it is often asked how safe is spirit airlines. In recent reviews of Spirit Airlines, there have been some questions regarding the safety of the airline's services. People are asking is spirit airlines safe? The operations have been expanded over the years leading to certain customer satisfaction issues. What Are Spirit Airlines? Spirit Airlines, inc. was founded in 1983 under Charter One Airlines, and operations commenced in 1990. The airline's fleet size is 197 and covers 83 destinations in total. Spirit Airlines is an ultra-low-cost airline and is a United States-based airline. The airline operates flights between Latin America, the Caribbean, and the United States. By 2020, Spirit Airlines had been identified as Northern America's eighth-largest passenger airline. Spirit Airlines is also the only largest low-cost carrier in North America; initially, it was quite in demand. However, with the passing years, there have been some serious concerns about the safety of the passengers. Ownership The company is owned by Delaware Corporation, which has been traded publicly on the New York Stock Exchange. Previously the organization's headquarters was in Eastpointe; however, in 1999, it moved to Miranman, Florida. In 2019 the company announced that it was planning to move its headquarters to Dania Beach, Florida; however, there has yet to be a confirmation. Business Model The business model of spirit airlines can be described as fee-based, where low ticket prices are used to reel customers in. However, the low price is only for the ticket you buy. People ask why is spirit airlines so cheap? It is not. The ticket is priced less while the additional charges come from services such as snacks, water, carry-on bags, checked baggage, and seat selection. Through the non-ticket revenue, the low-cost carrier acquires half of its total revenue per passenger. In a financial report for 2022, it was observed that Spirit Airlines have way more surprise fees that they do not disclose before you book a ticket. Headquarters Their headquarters are quite cheap, and neither do they invest in maintenance, leading to serious money saving. Apart from the surprise fees, the organization has integrated some strategies to say money, such as using a single family of aircraft. Streamline training leads to a decrease in chain costs. A streamlined fleet will mean more effective service because the all-Airbus fleet is new hence, more efficient fuel use. The gates are used more than other airlines, leading to more flights in a day. Services The airline company has Free Spirit, a frequent-flyer program designed for flyers who frequent Spirit Airlines. The frequent flyers also have a three-tier program providing services for collecting qualifying points for frequent flyers. These points can be utilized while booking flights in a calendar year. The airline uses an all-Airbus fleet with economy classes and big front seats. The airlines provide services in the form of customization, giving customers freedom. In a single day, the airline operates around 500 flights, covering over 60 places in and around the Caribbean, U.S., and Latin America. Further services include Free Spirit points, a Spirit Savers Club, and a Free Spirit MasterCard. Reviews On Spirit Airlines According to the ratings on ConsumerAffairs, Spirit Airlines has been rated 1.1 out of 5 based on 114 reviews. 97% of the total reviews have been 1, which shows the significant dissatisfaction of airline customers. Are spirit airlines safe is a valid concern for passengers. Even after being a low-cost carrier, people are dissatisfied with the services and the financial requirements. Customers have cited refund issues, extra charging for handbags and checked baggage, complaints against staff for rude behavior, etc. Another review on FlightDeck gives a 3.5 out of 5 for Spirit Airlines based on expensive additional baggage fees, additional charges for all aspects of travel, and poor customer service. So to answer is spirit airlines safe? The verdict is still pending. How To Know If An Airline Is Safe? Passengers' first concern when selecting an airline is always safety. Even though it can be challenging to gauge an airline's level of safety, there are numerous resources available that provide useful details about the company's track record and dependability. Examining its safety record is one method to obtain credible proof. You can evaluate the number of significant incidents that have happened as well as how the airline handled them by looking at actual statistics and data. Additionally, observe the carrier's safety procedures and policies to determine whether they adhere to international aviation standards. For the benefit of its member airlines, the International Air Transport Association (IATA) established certain safety guidelines for air travel. To make sure it complies, you can do a little research. That may serve as a gauge for how much an airline values safety. In addition, you are required to heed any safety briefings and adhere to the airline's safety instructions. Have faith in the crew and flight attendants. They are skilled at what they do. Leave your possessions behind in an emergency; the safety of you and others should always come first. It takes research and analysis to determine whether an airline is safe. When deciding which airlines to trust with your travel arrangements, you can feel more confident if you take the time to compare and assess. How Does Spirit Airlines Compare To Others? American airline Spirit was established in 1980 with a focus on low-cost travel. With its main office located in Miramar, Florida, the airline offers affordable flights to various US destinations. It serves international flights to Europe and the Caribbean in addition to domestic flights. Spirit's business model is built around the no-frills approach, meaning that extras are not included in the goal of providing an inexpensive travel service. Reduced amenities such as meals, in-flight entertainment, and checked baggage add up to a significantly cheaper total. As a result, Spirit Airlines offers significant savings if you're ready to give up some luxuries. Prepare yourself by packing light, bringing food, and purchasing tickets in advance to avoid extra fees. But if you'd rather have a more comfortable experience, you can also opt to pay for extras like snacks or more legroom. Controversy There have been issues in the form of massive cancellations. 2018 on May 7th, the airlines canceled 300 flights in a day. It led to 30000 stranded passengers only because there was a shortage of pilots. Further, on May 8th, 180 flights were canceled, one of the highest numbers of canceled flights by a carrier. The refund amount crossed $60 million, which is a significant impact on their profitability. Safety Issues There have been some serious issues concerning safety. Not just because it is a low-budget carrier but also because there have been experiences informing that the staff and the pilots' low wages impact their behavior and performance. Has spirit airlines ever crashed? Yes it has. The carrier has had brutal accidents over the past years, confirming the passengers' fear. One of the notable incidents was the Flight 587 crash in 2001. 260 people aboard were killed, while 5 people on the ground were dead shortly after the flight took off from JFK Airport, New York. Other crashes by the same airlines have been fatal, leading to the death of 275 people. Based on the reviews, people who have had the experience of traveling by Spirit Airlines do not consider the experience of flying via Spirit Safe. Conclusion Read this article if you plan on booking Spirit Airlines for travel and what issues you might face in the process. Before you ask is spirit airlines safe, you should know the cons to decide whether to proceed with the bookings? Please let us know if you have used Spirit Airlines in the comments below about your traveling experience. Read Also: Everything About Breeze Airways: Breeze Airways Reviews, Features, And More! 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READ MORE Winter Wardrobe

Layered Luxury: Packing Your Winter Wardrobe For An East Coast City Getaway

BY  Nabamita Nov 25, 2023

With its charming winter landscapes and bustling cities, the East Coast beckons with an allure that demands style and practicality. As we embark on a journey to these picturesque destinations, let's explore the art of layered luxury – a fusion of fashion and function that keeps you warm while ensuring you look impeccable in every winter snapshot. Embracing East Coast Style East Coast cities have a distinct fashion culture, blending classic sophistication with an urban flair. Winter in this region is not just about staying warm; it's an opportunity to showcase your style amidst snow-covered streets and historic architecture. The East Coast winter wardrobe carefully balances timeless pieces and on-trend accents, setting the stage for the layered luxury we're about to explore. Understanding Layered Luxury Layering is not just a necessity; it's a fashion statement. The art of layering combines different clothing pieces to create a stylish yet functional ensemble. Imagine seamlessly blending a base, insulating, and outer layer topped off with chic accessories – a winter-ready masterpiece. What does each layer include? Keep reading to find out! Base Layer Begin your journey with a foundation that embraces and luxuriates in the cocoon of comfort and warmth. Prioritize fabrics beyond merely insulating; opt for the indulgence of moisture-wicking materials such as the exquisite merino wool or cutting-edge high-tech fabrics designed to keep you warm and dry in the face of unpredictable winter elements.  Your base layers for the East Coast adventure should include thermal tops and leggings, the undisputed champions of snug beginnings. These pieces form the cornerstone of your layered luxury ensemble, ensuring your comfort is paramount as you explore the East Coast's charming streets and scenic landscapes. Insulating Layer Transform your winter wardrobe into a masterpiece by skillfully incorporating an insulating layer that provides warmth and elevates your style to new heights. Picture the cozy embrace of chunky knit sweaters, each stitch a testament to the craftsmanship that intertwines fashion and comfort. Envelop yourself in the soft luxury of fleece-lined jackets, where every touch reminds you that winter can be both cozy and chic. Few brands match The Row's timeless elegance and quality craftsmanship when delving into investment pieces. Their selection of insulating pieces transcends mere function, becoming a statement of refined taste and sartorial excellence.  Picture yourself draped in The Row's chunky knit sweater, the epitome of understated luxury, or wrapped in their fleece-lined jacket, a testament to the brand's commitment to warmth and style. These investment pieces from The Row seamlessly integrate into your winter wardrobe, becoming not just clothing items but expressions of your discerning fashion sensibilities. Outer Layer Your outer layer stands as the frontline defense against the whims of winter, a vital shield ensuring you remain impervious to the elements. Elevate your winter wardrobe by investing in a coat that not only exudes style but also boasts a formidable combination of waterproof and windproof features. Picture yourself adorned in a stylish parka, its sleek design concealing a robust protective layer that wards off rain and wind with finesse.  Alternatively, opt for the timeless elegance of a tailored wool coat, wrapping yourself in a cocoon of warmth without compromising on fashion. For a classic touch, consider the enduring charm of a trench coat, a versatile option that seamlessly marries both fashion and function. As you navigate the streets of the East Coast, let your outer layer be a statement of resilience and refinement, a testament to your ability to brave the winter elements with unparalleled sophistication. Accessories No winter ensemble is complete without the perfect accessories. Envelop yourself in the sumptuous warmth of a luxurious scarf, not only a style statement but a practical necessity, warding off the chill that winter breathes. Slide your hands into insulated gloves, each finger wrapped in snug comfort, creating a barrier against the biting cold.  Crown your winter look with a fashionable hat, a sartorial choice that adds flair and protects you from the elements. Accessories, in their duality of fashion and function, are the pièce de résistance of your winter wardrobe, elevating your ensemble from ordinary to extraordinary. City-Specific Considerations As mentioned, the East Coast is home to picturesque cities and landscapes that attract visitors yearly, especially during the wintertime. Some of the most beloved places to visit include Vermont and New Hampshire. When visiting either of these locations during the winter months, there are a few winter wardrobe considerations to keep in mind when packing your bags for your trip away. For instance, with Vermont, Vermont's winter is known for its biting cold, requiring a wardrobe that can withstand the harshest temperatures. Consider thicker insulating layers and durable outerwear. Local fashion trends often incorporate rustic elements, allowing you to blend seamlessly with the scenic surroundings. Whereas New Hampshire, with its mix of mountains and cityscapes, demands versatility in your winter wardrobe. A combination of casual and sophisticated pieces will serve you well. As you embark on your East Coast winter getaway, remember that layering is not just a functional necessity; it's a form of self-expression. Embrace the layered luxury lifestyle by combining practicality with style, creating a winter wardrobe that captivates and protects. Pack wisely, layer thoughtfully, and make every winter moment a stylish statement. Your East Coast adventure awaits – wrapped in layers of luxury. Read Also: 6 Clever Tricks To Save On Extra Baggage Fees For Your Next Flight A First-Hand Experience Of Taking A Red Eye Flight! The Ultimate Guide To Finding Cheap Flights To Chicago Using Google Flights Momondo Flights: Should You Try This Platform For Booking Flights In 2023?