Travel and Lifestyle Hacks

Best Credit Cards for Free Travel in 2020




The key to affordable travel is Financial Freedom.

Two years ago, I flew to Africa (Ghana) for Free. Yep, Free! Once I mastered debt-elimination with Dave Ramsey's Total Money Makeover, I discovered how to leverage credit for free travel.

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How?

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Personal finance require creating a monthly budget to manage income and expenses. Through credit card rewards program I pay monthly expenses with credit card to earn free money and use income to pay credit card off before the end of the next billing cycle. 

Below are my top Credit Card picks for Free Travel in 2020

Chase Freedom Credit Card

Chase Freedom(Registered Trademark) credit card. NO ANNUAL FEE (dagger).

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Chase Ultimate Rewards  (UR) points can unlock exciting travel opportunities.  You can collect a generous amount of UR points across several  available credit cards through sign-up bonuses and reward rates. 






  • I’ve been using Chase’s credit cards and Ultimate Rewards program since I first started pursuing reward travel opportunities. With three Chase's credit cards in tow,  I have accumulated over 200,000 UR points through sign-up bonuses and regular spending for FREE travel! Though Chase offer a generous reward program, keep in mind *5/24 Rule.


    Card Details

    $200 cash back after you spend $500 on purchases in your first 3 months from account opening. 

    Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.

    0% intro APR for 15 months from account opening on purchases and balance transfers

    Free Credit Report update with Credit Journey

    Recommended Credit 690-850

    Chase Freedom Unlimited


    Card Details

    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn unlimited 1.5% cash back on all purchases.
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
    • No annual fee
    • No minimum to redeem for cash back
    • Cash Back rewards do not expire as long as your account is open
    • Recommended credit score 690-850
    • Chase Sapphire Preferred


    • Chase Sapphire Preferred® Card


    The Chase Sapphire Preferred Card offers one of the best initial bonuses on the market, especially for people who like to travel and do not mind booking accommodations through Chase. 


  • Card Details

    Earn 60,000 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®

    • 2X points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. 
    • No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. 
    • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
    • Recommended Credit 690-850

    *The Chase 5/24 Rule. Chase will not approve applications for certain credit cards if the applicant has already opened 5 (or more) credit card accounts in the last 24 months. This includes not only cards you open at Chase, but also cards you open at any bank that are reported to your personal credit report.


    QuickSilver from Capital One


    I recommend QuickSilver from Capital One because it has no annual fee and no foreign transaction fee that can lead to big savings while traveling abroad. Most credit cards charge a 3% fee for every transaction made out of the U.S.

    Card Details

    one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening. 

    Earn unlimited 1.5% cash back on every purchase, every day. 

    Redeem cash back for any amount at any time with no expiration date for the life of the account

    No Foreign Transaction Fees

    No annual fee 

    Recommended Credit Score:700 or higher

       

            Booking.com

    American Express Gold Delta Skymiles


    The above credit cards are awesome because your travel isn't restricted to a particular airline or hotel however if you fly Delta often or near a Delta hub, the American Express Delta Skymiles Card should make the list of credit cards to have in 2020. 

    Card Details

    Earn 60,000 Bonus Miles after using new Gold Delta SkyMiles® Credit Card to make $2,000 in purchases within the first 3 months of Card Membership and a 

    $50 Statement Credit after making a Delta purchase (I recommend buying a gift card for future use to get credit) with new Card within the first 3 months of Card Membership

    No Foreign Transaction fee

    Earn 1 mile per dollar for purchases you make with your Card — from everyday purchases on things like gas, groceries, and restaurants. Miles are redeemable toward travel on Delta and more than 30 airline partners.

    Earn 2 miles per dollar spent when you use your Card for purchases made directly with Delta. 

    Check your first bag free on Delta flights – that’s a savings of up to $240 for a family of 4 roundtrip.

    Receive Main Cabin 1 Priority Boarding on Delta flights, stow your carry-on bag and settle in sooner.

    Annual Fee waived for the first year, $95 thereafter.









    • Recommended Credit 690-850

    Blue Delta SKYMILES


    Card Details

    Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.

    Earn 2 Miles at US Restaurants

    Earn 2 Miles on Delta Purchases

    Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

    No annual Fee.



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