Learn which credit card we Nerds think is the best travel credit card for the Disney traveler.
If figuring out what the best travel card is becoming daunting to you don’t worry any longer. Don’t worry, we are going to show you what you need to know.
Essentially, finding the best travel credit card will open the door to new travel opportunities for you. Giving you miles and points you can use for travel. All from using a travel credit card for your every day expenses and paying it off every month.
The first step to travel hacking is understanding which credit card works best for you. This can take some time as things are always changing, and there’s a lot too learn. But if you’re ready to use credit card miles and points towards your Disney Vacation, keep reading!
Using credit card programs to earn miles and points may save you thousands of dollars in travel costs. nSimply by signing up for one travel credit card, you could receive over $600 in free travel and a slew of other perks that I’ll go into later in this post. We nerds think that having at least one excellent travel credit card on your person is an essential tool for every financially responsible traveler because you’re losing out on some significant benefits if you don’t have one.The most frequent question I get asked is, “How can I do what you’re doing?” That’s why I’ve decided to publish this post.
Which is the best travel credit card?
In this post, I not only tell you which credit card is best for travelers, but also provide six reasons why every traveler should use a travel credit card.
1. Redeem miles or points for free travel
The best way to redeem your the points you’ve amassed is by using them to cover the cost of future travel expenses. However, many people choose to use their credit card for everyday purchases in order accumulate these rewards faster. We don’t recommend this because it’s essentially like giving away free money.
2. Cards with no foreign transaction fees
Most debit and non-travel credit cards will charge a foreign transaction fee for any purchase made in a currency other than your own. These fees are typically around 3 to 5 percent of the total purchase price, meaning that if you spent $1,000 while abroad, you could be charged anywhere from $30 to $50 just in transaction fees alone! However, by using the best travel credit card available to you, you can avoid these pesky charges altogether.
3. The best travel credit cards have zero fraud liability
Also, if your debit or non-travel credit card is skimmed and someone empties your bank account, you may be held responsible for some or all of the money stolen. However, the greatest travel credit cards have no fraud liability. This means you won’t have to worry about being held responsible for funds taken from your account.
4. Lost Luggage Insurance
Let’s pretend you’re planning a trip to Walt Disney World or Disneyland California and you’ve excited about the trip for months. Essentially, spending a week packing your luggage. Making sure you have everything you need for your Disney trip. Then when you get to your destination, you find out that your suitcases were accidentally sent to Antarctica. If something like this happens, don’t worry! Some of the best travel credit cards will reimburse the cost of your missing luggage. The feeling of knowing that someone is on their way to help you and that you’ll be able to get home safely is priceless.
5. Your travel credit card should have rental car insurance
When you’re ready to rent a car, be weary of the extra fees that come with it. For example, insurance is often an hidden fee that rental companies will try to sell you last minute – and it’s never cheap.
Luckily, if you have any one of the best travel credit cards in your pocket, you’ll never have to pay for rental car insurance because we get it covered for free.
6. Travel Incident Insurance
The chances of something terrible happening to you or a family member on your next vacation are highly slim, but if something catastrophic happened while on holiday, would your expenses be covered? For the most part, the answer is no. (Unless you bought travel insurance specifically for your trip.) If you use the finest travel credit cards to purchase and book your journey and tickets with, you’ll get hundreds of thousands of dollars in compensation if anything awful happens to you or a family member during your vacation.
Now that we’ve gone through all of the benefits, it’s time to figure out which credit card is best for you. We NERDS think that every Disney vacationer should have the finest travel credit card in their wallet. Which is the greatest travel credit card?
Chase Sapphire Preferred
The Chase Sapphire Preferred card is one of the best travel credit cards. Everyone’s situation is different, so I can’t say for sure that this card is perfect for everyone. But from what I know, this card is the best option for most people who are reading this post right now. Here’s why:
1. A Sign-Up Bonus That’s Worth At Least $750 in Free Travel
The Chase Sapphire Preferred card comes with a 60,000 point sign-up bonus that you receive after meeting the minimum spending requirement.
Please Note: If you’re new to travel credit cards, the “minimum spending requirement” is how much money you have to spend using the credit card in order to get the sign-up/welcome bonus. This system is put into place by banks as a way of ensuring customers are really using their card and not just signing up for bonuses.
If you spend $4,000 within the first three months after opening a Chase Sapphire Preferred card, you’ll earn 60,000 Ultimate Reward points. When those points are redeemed for travel through Chase, they can be worth up to $625!
2. The Points Are Super Easy to Use
Other banks may make it hard to use your points, but with Ultimate Reward points, it’s incredibly simple.
3. The points can be transferred to airlines
We recommend transferring your points to one of Chase’s airline partners if you want to make the most of them. For example, United operates under a zone-based award chart: the price of a flight is determined by the zones between which you’re flying. A round-trip ticket from the US to Europe (two separate zones) will set you back 60,000 points. Let’s say that you discovered a round trip flight from anywhere in the United States to Europe for $1200. It wouldn’t matter what the cost was; it would just be 60,000 miles.
Chase Sapphire Preferred’s points are straightforward and adaptable to use. The Ultimate Reward travel portal is another simple method of redeeming your points. However, transferring your points to an in network airline offers the greatest value.
4. Get 5,000 extra points for adding an authorized user
You can add an authorized user to your account at no cost, and Chase will give you an additional 5,000 Ultimate Rewards for taking this action.
An authorized user is someone given permission to use your account under their own name. Oftentimes, this person is a spouse.
In short, they’ll receive a card with their name on it; however, you’re the one responsible for any charges they make on that card. That’s why we only recommend adding individuals to your account whom you trust implicitly such as a spouse or significant other.
5. Earn miles and points for everyday spending
When you join a travel credit card, you will often get a lot of miles as a welcome bonus. You can earn points for your everyday spending using the card. Another good thing about this card is that you won’t have to pay any foreign transaction fees when you use it outside of the United States. This is similar to other good travel credit cards.
7. Insurance & Protection
While we talked about this earlier, it’s important to list the many insurance coverages that a good travel credit card should have. This card in particular meets all of those criteria.
- Fraudulent Activity Protection
- You are not responsible for any charges made on your card if it is stolen.
- Complimentary Car Rental Insurance
- If you pay for your rental car with a credit card, Chase will provide primary coverage. This implies if your automobile is damaged or stolen during the rental, you won’t be responsible for the payment. Because it’s primary coverage, it’ll take effect before your regular auto insurance would. Which also means that if you have to meet a deductible minimum or risk increasing your insurance rate because of previous claims, you won’t have to do so with this policy.
- Did you know that with the Chase credit card, you’re covered in case of lost or delayed luggage? If your baggage is delayed for more than 6 hours and you used your card to pay for your trip, you’ll receive $100 per day in insurance (for up to 5 days). Your essential items will be reimbursed, such as toiletries, clothing, and a phone charger. And if your luggage is completely lost forever, Chase has you covered for up to $3,000. So rest easy on your next vacation knowing that your belongings are protected.
Final thoughts on the best travel credit card
In conclusion, the Chase Sapphire Preferred is unquestionably the best travel credit card and we highly recommend it. However, please note that Chase offers two different “Sapphire” cards and you are only able to sign-up for one within a 24 month period. Just so you know which card you’re signing up for in case you were about to apply for the Sapphire Preferred Card mentioned in this article, let’s quickly compare the differences between the Reserve card.
Chase Sapphire Reserve
The American Express Platinum card has an annual fee of $550. Because of this, it is not for everyone. The people for whom this card is appropriate are those that travel a lot and would profit greatly from what it has to offer. However, you’ll need to ensure that you truly utilize the advantages to make this card worthwhile to you.
If you only travel a few times per year, the annual fee for this card is essentially $250. This card is all about lounge access and how important it is for you. The Priority Pass alone is worth $250 per year, so if you envision yourself using airport lounges often, this card is a great deal. If not, you’re better off sticking with the Sapphire Preferred.