Favorite Credit Cards

April 6, 2019

Top 5 Favorite Credit Cards

#1 Marriott Bonvoy Boundless Visa

Although, the Marriott rewards credit card program has recently changed, we still find the rewards very beneficial.  We’ve had this card for 6 years.  Due to our loyalty to the Marriott brand, we have earned millions of reward dollars and have redeemed many stays at JW Marriott, St. Regis, Ritz Carlton, Autograph Collection properties and more.  We currently have Titanium status, but even Silver status has many perks!

Sign On Bonus Points

You will receive 75,000 points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Bonvoy Boundless credit card.

6X Points Per $1

Earn 6X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels.

2X Points Per $1

Earn 2X points for every $1 you spend on all other purchases and your points don’t expire as long as you make purchases on your credit card every 24 months.

Free Night Award Every Anniversary

As a Marriott Bonvoy Boundless Cardmember, you’ll enjoy a Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points.

No Foreign Transaction Fees

You will pay no foreign transaction fees when you use your card for purchases made outside of the United States.

Automatic Silver Elite Status

Automatic Silver Status is earned on each account at their year anniversary. You’ll be on the path to Gold Status when you spend $35,000 on purchases each year.

Annual Fee

$95/year…but with the free anniversary night, it’s usually a wash.

Protection Services

Marriott Bonvoy has several great trip protection services such as baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, purchase protection and concierge service.

Upgraded Rooms/Suite Nights

Over time you can earn Platinum or Titanium status.  We currently have Titanium status.  This allows “suite nights”.  Many times we book a basic room and use suite nights to upgrade to a large suite for our family.  Probably my favorite perk of the card.  But even with Gold Status, you are upgraded complimentary as long as there is availability.  I think my favorite word is…”upgrade”.

Sign up using our affiliate link here: Marriott Bonvoy

#2 Chase Sapphire Reserve Visa

This card consistently shows up as the #1 Travel Hacker credit card and here’s why:

Sign-up Bonus Points

The issuer describes it this way: “Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards .”

3x Points When Card Is Used For Travel Or Dining

You earn 3 Chase Ultimate Rewards points per dollar spent on travel and dining worldwide, and 1 point per dollar on all other purchases.

50% More Value When Redeeming Points For Travel

Ultimate Rewards points are usually worth 1 cent a piece. However, Chase Sapphire Reserve cardholders who redeem their points for travel booked through the Chase portal will receive 1.5 cents per point. That gives you an effective rewards rate of 4.5% on travel and dining and 1.5% on other purchases.

Transferring Points To Hotels And Airline programs

You can transfer your points to about a dozen airline and hotel loyalty programs at a 1:1 ratio. Depending on the program and how you use the transferred points, you could earn even more value than the 1.5 cents per point you get for booking through Chase. Transfer partners:

  • Airlines:United, Southwest, JetBlue, Aer Lingus, Air France/KLM, British Airways, Iberia, Singapore Airlines, Virgin Atlantic.
  • Hotels:Marriott, IHG, Hyatt.

Annual Fee

A whopping $450 a year. See below why we think it’s worth every penny! But you get $300 back when you book travel through Chase.

Travel Perks with this card

$300 a year in travel credits. (The card automatically reimburses you for $300 in travel expenses charged to the card each year).

TSA Precheck/global entry credit.  You are eligible for a credit of up to $100 as reimbursement for the application fee for TSA Precheck or Global Entry, when you charge the fee to your card. TSA Precheck gets you access to expedited airport security lines; Global Entry gives you the same access, plus quicker customs screening when entering the country.

No foreign transaction fees.  Many credit cards slap a surcharge on all purchases made outside the U.S. — typically 3% of the purchase amount.

Priority Pass Lounge Access. Chase Sapphire Reserve benefits include the ability to enroll in Priority Pass Select at no cost. Membership gives you access to more than 1,000 lounges in over 500 cities worldwide. Note that Priority Pass Select lounges do not include those operated by the big U.S. carriers American, Delta and United.

Luxury Hotel Benefits Cardholders staying at one of the high-end properties in Chase’s Luxury Hotel & Resort Collection can enjoy an array of perks: daily breakfast for two, free Wi-Fi, room upgrades when available, early check-in and late checkout, and a “special benefit unique to each property,” such as a spa package, restaurant credit or gift card.

Card Protections Benefits

Shopping protections.  Chase has several shopping protections: Purchase protection, return protection and extended warranties.  For more info: https://www.chase.com/card-benefits/sapphirereserve/purchase

Travel protections.  Chase has several travel protections: Rental Car Coverage (car insurance), trip cancellation or interruption insurance, trip delay reimbursement, lost luggage reimbursement, medical emergencies during travel.  Currently there is not a referral link to this card for Hello Sunny Skies, but it’s such a must have…we wanted to include it into our favorite credit card post.

See terms and conditions for more details.

#3 Delta SkyMiles Platinum American Express

Sign-Up Bonus

35,000 Bonus Miles and 5,000 Medallion® Qualification Miles after you use your new Card to make $1,000 in purchases within the first 3 months and a $100 statement credit after you make a Delta purchase with your new Card within the first 3 months of Card Membership. Limited Time Offer ends 1/29/2020.

Pay with Miles

Delta miles do NOT expire. More payment options with Pay With Miles when you book with your Delta SkyMiles Credit Card on delta.com

Companion Certificate

Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.

Main Cabin 1 Priority Boarding

Board early, stow your carry-on bag and settle into your seat sooner.

Delta Sky Club® Exclusive Per-Visit Rate

Enjoy an exclusive per-visit rate of $29 per person to access Delta Sky Club® for you and up to two guests when traveling on a Delta flight. Starting 1/30/2020, the exclusive per-visit rate to access the Delta Sky Club® will be $39 per person.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered by the Baggage Insurance Plan for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Annual Fee

$195 Annual Fee, but earn $100 back when you book travel through Delta.com ($250 if application received on or after 1/30/2020)

Sign up using our affiliate link here: Delta SkyMiles American Express

See terms and conditions for more details.

#4 Marriott Bonvoy Brilliant American Express Card

Sign-On Bonus Points

 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.

6x Points

at participating Marriott Bonvoy hotels.

3x Points

Points at U.S. restaurants and on flights booked directly with airlines.

2x Points

Points on all other eligible purchases.

Free Night Award

Award can be used for one night at participating Marriott Bonvoy Hotels. Certain hotels have resort fees. Receive 1 Annual Free Night Award (up to 50,000 p0ints) every year after your Card account anniversary.

Complimentary Gold Status

Plus, earn Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.

Annual Fee

This one is a steep $450, but easy to reach statement credits. Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.  In addition, you can receive up to a $100 property credit for qualifying charges at The Ritz-Carlton or St. Regis when you book direct using a special rate for a 2 night minimum stay using your Card.

Additional Benefits

15 Night Elite Credit.  Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status. Limit one 15 Elite Night Credit per Marriott Bonvoy member account.

Airport Lounge Access with Priority Pass.  Wherever your travels take you, receive access to over 1,000 airport lounges around the world with complimentary Priority Pass Select membership, with unlimited lounge visits for you and up to two guests per visit. Enrollment required.

Global Entry or TSA Precheck Fee Credit.  Receive a statement credit every 4 years after you apply for Global Entry ($100) or every 4.5 years after you apply for TSA Pre✓ ($85) and charge the application fee to your Marriott Bonvoy Brilliant American Express® Card. If approved, you can get expedited screening at select airports. If approved for Global Entry, at no additional charge, you will receive access to TSA Pre✓.
Affiliate link: Marriott Bonvoy Amex

No Foreign Transaction Fees.  No Foreign Transaction Fees on international purchases.

#5 Chase Business Preferred Ink Visa

Business Credit Card

Yes, this is a business credit card, but did you know many people have a side gig like; eBay, Poshmark, Photography, etc. Did you know side business can qualify you for a business card?!

Sign-on Bonus

Earn 80K bonus points with Chase Ink Business Preferred once you spend $5,000 over 3 months.

Annual Fee

There is a $95 annual fee, but we find it definitely worth it.

Ultimate Rewards

With this card you will earn Chase Ultimate Rewards and can combine your rewards with your Chase Sapphire.  This is HUGE.  With Ultimate Rewards you can transfer to airline partners or use in the chase portal.

Earn 3x on Everyday Spending

Like Chase Sapphire Reserve, you’ll earn 3 points on travel, but with this business card you’ll earn 3x on business expenses such as internet, cable, shipping, online advertising and more.

Travel Perks

Car rental coverage, trip insurance, purchase protection, cell phone protection and more.
Please sign up for this card using our affiliate link: Chase Business Preferred Visa

These are just some of our favorite credit cards.  The Chase 5/24 rule could prevent you from maximizing points and earning free travel. We have several ways to work around this rule.  Want to know which cards to get?  How to work around the Chase 5/24 rule?  Book a 1:1 consultation with me and find out more! Sign up here!

See terms and conditions for more details.

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Beth S.

Tiffany is truly a credit card point guru. She was very patient and helped my husband and I navigate our credit card point game.

William F.

WE’VE SAT ON THOUSANDS OF POINTS FOR YEARS WITH NO CLUE HOW TO REALLY USE THEM. TIFFANY COACHED US HOW TO COMBINE OUR POINTS, TRANSFER POINTS AND ADD MORE POINTS THROUGH CREDIT CARD SIGN-ON BONUSES. AWESOME SERVICE.

SUZANNE M.

WE OWN A SMALL BUSINESS AND HAVE ALWAYS WRITTEN CHECKS OR USED OUR DEBIT CARD EARNING ZERO TRAVEL REWARDS. WE’VE CHANGED OUR WHOLE WAY OF MANAGING MONEY AND ARE ON OUR WAY TO A FREE LUXURY VACATION THANKS TO TIFFANY.

JANET M.

TIFFANY HELPED MY HUSBAND AND I EARN A VACATION TO CROATIA BY USING SPECIFIC TRAVEL CREDIT CARDS ON OUR DAUGHTER’S WEDDING. WE HAD PLANNED TO WRITE CHECKS TO ALL OF THE VENDORS, SO GLAD WE MADE A 1:1 COACHING CALL.

Liz R.

WITH TIFFANY’S GUIDANCE, we EARNED 400,000 CREDIT CARD POINTS BUT WE DIDN’T KNOW HOW BEST TO USE THEM. WE HIRED HER TO PLAN OUR TRIP USING A COMBINATION OF POINTS, MILES AND CASH (CREDIT CARD). HIRING HER WAS THE BEST MONEY I’VE EVER SPENT. SHE WENT WAY ABOVE AND BEYOND. PARIS HERE WE COME. 

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Raving Clients