Credit Cards 101

When used properly, credit cards are huge for the program and can mean free travel/cash back. Heres a few things I personally recommend (not financial advice

Questions to ask yourself before beginning

1. What do you spend most on/how much

2. What do you want out of credit card rewards (cash back, travel points, etc)

3. Do you have any brands/airlines/loyalty programs you prefer over others

Helpful Resources/FAQ/Myths

https://www.nerdwallet.com/article/finance/will-new-credit-card-hurt-credit-score

https://www.forbes.com/advisor/credit-cards/how-to-use-a-credit-card/

Credit Cards and Perks

My personal recommendations

No annual fee cards

• Bilt Rewards Card

  Who it’s for: Anyone who pays rent, but its free so no harm

  • 1x Rent

  • 3x Dining

  • 2x Travel

  • Free money - get points for rent

  • Referral: https://bilt.page/r/7NZA-IW91

Low annual fee card

• Chase Sapphire Preserve ($95)

  Who it’s for: Great all around card, decent travel perks

  • 3x Dining

  • 2x travel

  • 1x everything else

  • Solid transfer partners

  • Referral: https://www.referyourchasecard.com/19n/TBKS0HJFL8

  CURRENTLY OFFERING 70,000 POINT SIGN UP BONUS THIS WEEK

High annual fee card

• Capital One Venture X ($395)

  Who it’s for: I would argue EVERYONE as long as you use the $300 travel credit in the portal

  • 2x on everything

  • $300/year travel credit in portal

    • Brings fee down to $95 effectively

  • Lounge access

  • Referral: https://i.capitalone.com/Gu8PwWagG