How my 5 journey rewards bank cards maintain me on the go

My bank card setup permits me to simply go to family and friends residing internationally. I have been capable of discover locations I believed I would solely see in my goals, just like the beautiful partitions of the Sistine Chapel and the historic grounds round Buckingham Palace.

With out the rewards I’ve earned from journey bank cards, none of this may be attainable for me, as a younger lady in my 20s.

I reside inside a comparatively modest funds. My splurges sometimes focus on eating experiences and live performance tickets greater than the rest. I principally fly economic system, keep in all tiers of resorts and usually desire touring with a companion. I pay lower than $1,000 in annual charges for the 5 rewards playing cards I maintain, however obtain outsize worth from every one.

This is how my journey bank cards maintain me on the go as a budget-conscious particular person.

Go all in on transferable factors and miles

For those who take only a single piece of recommendation from me, let it’s this: Get into transferable factors and miles and be taught how you can use them.

I take advantage of Chase Final Rewards factors, American Specific Membership Rewards factors and Capital One miles to get just about in all places. These currencies are tremendous versatile, which makes it straightforward for me to switch them to any journey associate I would like.

The Chase, Amex and Capital One ecosystems give me entry to 31 mixed distinctive airline and lodge loyalty applications, so I am hardly ever left with out an possibility. As a result of I worth variety in my card technique, I’ve one card in every program. All of my playing cards earn bonus factors or miles in my frequent spending classes, so I am all the time incomes greater than 1 level per greenback.

Chase Final Rewards

My first journey rewards card is the one I like to recommend to anybody able to find out about transferable factors and miles. The Chase Sapphire Most well-liked® Card (see charges and charges) earns my favourite foreign money, Chase Final Rewards factors, which TPG’s July 2025 valuations place at 2.05 cents apiece.

For a $95 annual charge, this card is tough to beat.

I take advantage of my Sapphire Most well-liked on a regular basis. I swipe it at eating places to earn 3 factors per greenback spent on eating; have it linked to Spotify, Hulu and YouTube TV to earn 3 factors per greenback spent on choose streaming providers; and maintain it in my Apple Pockets to earn 2 factors per greenback spent on journey purchases like subway tickets and parking garages.

I additionally prefer to guide non-Hilton resorts with my Sapphire Most well-liked, particularly since I’ve saved cash utilizing the cardboard’s journey cancellation and interruption insurance coverage.

Chase factors switch to 14 loyalty applications, highlighted by Air France-KLM Flying Blue, Singapore KrisFlyer, United MileagePlus, Virgin Atlantic Flying Membership and World of Hyatt.

Nevertheless, as a result of I’ve different playing cards that earn factors that I can switch to most of those currencies, I nearly completely switch my Chase factors to Hyatt. Other than Chase, Hyatt solely permits transfers from one different loyalty program: Bilt Rewards.

I desire to stretch my factors and use them ceaselessly, so I am most frequently redeeming Chase factors for stays at Class 1-3 Hyatt resorts. I am extra about discovering a spot to sleep as soon as I arrive at my vacation spot, so a lot of my redemptions are brief and candy to depart factors within the financial institution for the long run.

My most up-to-date redemptions embrace a 17,500-point redemption for a two-night keep at a Hyatt Place close to Atlanta to attend my sister’s commencement and a 9,500-point redemption for a one-night keep at a Hyatt Place close to Chapel Hill, North Carolina, to have fun my associate’s birthday.

I like a spontaneous journey, and these modest redemptions maintain me going with room for extra.

American Specific Membership Rewards

As an enormous foodie and novice residence chef, the American Specific® Gold Card is the best card for me to rack up factors. At a $325 annual charge (see charges and charges), the Amex Gold is among the costlier playing cards in my pockets, however it’s straightforward for me to justify since I discover a lot utility in its bonus classes.

That is as a result of the Amex Gold earns 4 factors per greenback spent on eating at eating places worldwide (on the primary $50,000 in purchases per calendar 12 months, then 1 level per greenback spent thereafter). This card additionally earns 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 in purchases per calendar 12 months, then 1 level per greenback spent thereafter).

These are my prime two classes with the cardboard, although I additionally get pleasure from incomes 3 factors per greenback spent on flights booked straight with the airline after I guide flights with money.

American Specific Membership Rewards factors are valued at 2 cents per level (per TPG’s July 2025 valuations) and switch to 21 loyalty applications. This unlocks a variety of choices after I’m looking for award availability by way of instruments like level.me (which has partnered with American Specific) or Seats.aero.

I transferred 34,000 Membership Rewards factors to Virgin Atlantic Flying Membership to guide economic system seats for myself and my associate to get to Europe this Might. I spent 12,000 factors on two one-way economic system tickets from New York’s John F. Kennedy Worldwide Airport (JFK) to London’s Heathrow Airport (LHR) on Virgin Atlantic. Then, 22,000 factors acquired us economic system tickets from Milan Linate Airport (LIN) in Italy to Paris-Charles de Gaulle Airport (CDG) on ITA Airways, connecting to Hartsfield-Jackson Atlanta Worldwide Airport (ATL) on Air France.

Capital One miles

Making use of for the Capital One Enterprise X Rewards Credit score Card was my first foray into extra premium card choices for the reason that card expenses the very best annual charge in my pockets ($395) and comes with essentially the most travel-related perks.

On the subject of my technique for incomes and redeeming factors and miles, the Enterprise X is my catchall card, making certain I all the time earn at the very least 2 miles per greenback spent on each expense I pay. This card is my favourite to make use of after I go thrifting, store at superstores comparable to Walmart or Costco and go to the hair salon.

TPG’s July 2025 valuations place Capital One miles at 1.85 cents per mile, they usually switch to greater than 15 companions. This 12 months, I’ve transferred Capital One miles to Air France-KLM Flying Blue to guide two Delta Air Strains economic system tickets for a home flight to get me and my associate to a marriage in Michigan.

I like protecting my steadiness of Capital One miles at a good degree so I can use them at any time when the necessity arises, like for weddings.

Associated: The best way to switch Capital One miles to airline and lodge companions

Earn factors for hire

For those who’re a renter, there’s actually no motive to move up the no-annual-fee Bilt Mastercard® (see charges and charges) to earn factors on hire (as much as 100,000 Bilt Factors in a calendar 12 months) with no transaction charge (see charges and charges).

To earn factors, you will need to make at the very least 5 transactions in your card every assertion interval (see rewards and advantages).

This was the second rewards card I utilized for, and it suits completely into my technique regardless of having related incomes classes to my Sapphire Most well-liked.

That is as a result of I leverage Bilt’s month-to-month “Hire Day” to earn double Bilt factors on the primary of each month (excluding hire, as much as 1,000 bonus factors), so these 3 factors per greenback I would sometimes earn on eating multiply to six factors if I resolve to dine out at first of the month. I additionally prefer to pay my utility payments on the primary with Bilt. This manner, they’re straightforward to recollect, and I earn 2 Bilt factors per greenback spent within the meantime.

TPG’s July 2025 valuations place Bilt Rewards factors a 2.2 cents per level in worth.

The factor I like most about my Bilt factors is that they switch at a 1:1 ratio to Alaska Airways Mileage Plan, which is arguably my favourite airline loyalty program that (coincidentally) is not a associate of every other transferable bank card foreign money.

I reside within the southeastern U.S., so it might be stunning that I am such a serious fan of Alaska Airways’ loyalty program. As a result of I reside 90 minutes from Charlotte Douglas Worldwide Airport (CLT), I discover myself flying with American Airways usually. Alaska Airways’ Oneworld partnership with American Airways means you possibly can usually snag high-value award flights on American once you guide with Alaska miles.

From Charlotte, I’ve flown round-trip to Louisville, Kentucky, for 9,000 Alaska miles on American. I ceaselessly discover Alaska offers on American flights that may value almost triple if I had been to make use of American Airways AAdvantage miles.

By way of Bilt, I earn free flights in lower than a 12 months simply by paying hire, an expense I can not keep away from. I see my Bilt factors completely as Alaska miles. So long as Bilt continues to associate with Alaska, I am going to stay a fan of this program.

Associated: Must you pay your hire with Bilt? We crunch the numbers

Do not forget in regards to the perks

My bank card technique is cheaper than some on the subject of annual charges. Nonetheless, I need to get essentially the most worth for my cash, so I’m cautious to maximise these advantages at any time when I can.

Lounge entry

The Enterprise X is my lounge entry card, permitting me to get pleasure from spectacular Capital One lounges after I’m flying by way of an airport that has one. The excellent news is that the issuer is ceaselessly increasing its lounge footprint, so I am excited to observe the variety of accessible choices develop sooner or later.

Past that, I get pleasure from Precedence Cross entry to hundreds of lounges worldwide. My favourite simply occurs to be an Escape Lounge at my small native airport, Greenville-Spartanburg Worldwide Airport (GSP) in Greenville, South Carolina. The meals and drinks that my journey companions and I’ve loved in that lounge take a large chunk out of the $395 annual charge.

Journey portal credit

Whereas I desire reserving straight with resorts and airways 90% of the time, I am going to bounce into issuers’ journey portals when I’ve credit. The Enterprise X and Sapphire Most well-liked assist me save on bookings annually, due to annual credit.

For one, my Enterprise X supplies an annual $300 journey credit score, decreasing my efficient annual charge to $95 annually. This 12 months, I used it to take $300 off three nights on the Conrad Las Vegas at Resorts World, so we ended up paying simply $314 for the complete keep. That helped take quite a lot of the sting away from the lots of of {dollars} I spent to see The Killers play a live performance on that journey.

The Sapphire Most well-liked’s $50 Chase Journey℠ lodge credit score is one other easy credit score that I used to decrease the price of a vital keep. Earlier than we ended our European trip, we stayed at a Finest Western close to LIN in Italy that supplied free shuttle service for our early morning flight. The credit score lowered our keep to $162, which I discovered to be deal for an evening in Might.

Associated: The best way to use the $50 lodge credit score on the Chase Sapphire Most well-liked

Take a dip into elite standing

As soon as I used to be happy with all of the transferable factors and miles I used to be bringing in, I made a decision my setup wanted a cobranded contact. I am nonetheless not significantly loyal to a lodge model, however I appreciated the midlevel perks of the Hilton Honors American Specific Surpass® Card, with a $0 introductory annual charge, then $150 (see charges and charges) that I can justify.

As somebody who had by no means loved elite standing earlier than, the 2 perks I obtained from this card made me a believer.

Hilton elite standing

The Hilton Surpass comes with computerized Hilton Gold standing. Although Gold is a mid-tier standing degree, it critically packs a punch due to its every day food-and-beverage credit score within the U.S. or free continental breakfast perk. (That is usually a full scorching breakfast, as I discovered from my stays on the Cosmopolita Lodge Rome, Tapestry Assortment by Hilton and the Cover by Hilton London Metropolis.)

My associate and I’ve additionally obtained complimentary room upgrades and late checkout perks with standing. Plus, incomes 80% extra factors on paid stays helps us proceed to construct up our stash for future redemptions.

As somebody who was beforehand skeptical of simply how a lot I may get from elite standing, contemplate me a fan of Hilton Gold.

Nationwide Automotive Rental elite standing

The Hilton Surpass additionally affords complimentary Nationwide Automotive Rental Emerald Membership Govt standing after you enroll within the Emerald Membership program. Once more, I hadn’t thought of what automobile rental standing may truly supply me till I attempted it out.

It is true — skipping the rental counter, selecting any automobile from the Emerald Aisle and including a second driver without cost are all value it.

After an extended journey day, the very last thing you need is on your rental automobile to carry you up. However when my associate and I rented a automobile from the Nationwide counter at Minneapolis-St. Paul Worldwide Airport (MSP) this summer time, we had been out and in throughout one of many busiest journey weeks of the 12 months, and it was all due to my standing. I am by no means going again.

Associated: Why the Hilton Surpass received me over as somebody who did not need a cobranded card

Backside line

There’s a couple of method to benefit from the world of factors and miles. And, in my view, you do not have to be an skilled or insist on first-class flights to return out forward. My preferences differ from a few of my colleagues, however we in the end all discover worth in journey bank cards.

I like that I can say “sure” to wedding ceremony invitations, go to my mates and take unbelievable journeys with out digging into my financial savings accounts. I actually consider that factors and miles ought to be just right for you, and I maintain my rewards balances in place for lower than $1,000 in annual charges. That is a win for me.

Associated: Why transferable factors and miles are value greater than different rewards

For charges and charges of the Amex Gold, click on right here.
For charges and charges of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.
For charges and charges of the Hilton Surpass card, click on right here.