It’s no surprise that I’m a big fan of smart credit card use. With the amount of credit cards out there, it can be very intimidating to figure out which one is the best one. But there are so many great ones out there! The best part about credit cards is that you can open up multiple, you’re not just stuck to one. So for this post, I wanted to tell you about my two favorite starter credit cards that helped jump start me into travel hacking.

1. Chase Sapphire Preferred

This was the first card I ever signed up for. When you sign up, you can earn 60,000 bonus points after you spend at least $4,000 within the first 3 months from opening the card account. That amount of bonus points equals to about $750 that you can use toward travel (when you redeem through Chase Ultimate Rewards)! There is a $95 annual fee, but with the amount of points we get, it’s definitely worth it.

Tip #1: If you are married, do NOT add your spouse as a joint cardholder. Instead, after you get this bonus, have your spouse open up their own Chase Sapphire Preferred credit card, so that they can earn the 60,000 bonus points, therefore doubling the amount of points that you both get together. If you add your spouse as a cardholder, they will not be able to sign up for their own card, which means you lose out on that bonus. You don’t want that.

Tip #2: If you are married, take turns signing up for the card! It will be much more challenging to spend $8k in 3 months to get those bonus points, versus $8k in 6 months if you each sign up 3 months apart.

Click here to use my referral link to sign up now!

2. Capital One Venture

After my husband and I each signed up for the Chase Sapphire Preferred and got our bonuses, we move onto each signing up for the Capital One Venture. When you sign up, you can earn 60,000 bonus miles after you spend at least $3,000 within the first 3 months from opening the card account. This card also has a $95 annual fee, This was the first card I ever signed up for.

Fun fact: With Capital One Venture, you actually get credit for your application for TSA PreCheck and Global Entry. Even more reason to get precheck!

Click here to use my referral link to sign up now!

I want to clarify – I only condone credit card use if you have no credit card debt and if you pay your credit card bills in full and on time, every time.

So if you still have consumer debt and have a hard time paying off those credit card bills, let’s work together to help crush that debt! Click here to sign up for your FREE 20 minute consult.

Note: I am not a certified financial advisor/planner or a certified financial analyst or a CPA or an accountant or a lawyer. Remember, I am an allied health professional, just like you! This website/blog is for entertainment and educational purposes only. Please consult with your financial advisor(s) regarding your personal finance, investment, and tax matters. 

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