It's hard enough playing the mileage game, but picking the right credit card that will give you the best travel rewards can be tough. Lucky for us, The New York Times does a neat breakdown of which credit card you should pick depending on the type of traveler you are:
- Occasional Traveler: Capital One Venture Rewards will give you two miles for every buck you spend on a purchase, and the miles have no expiry date. You can redeem them for cash credit for travel-related buys, such as flights, hotel stays, and car rentals. There aren't any foreign transaction fees when you're using this card overseas. The APR rate is 11.90 percent to 19.90 percent, and the annual fee is $59, but you can have it waived for your first year.
- Mileage Lover: American Express Starwood Preferred Guest Card will give you 10,000 points on your first buy, and an additional 15,000 points if you spend $15,000 in the first six months. You get a point for every dollar, and you can redeem them for any stay at a Starwood hotel and a couple of major airlines. The APR rate is 2.9 percent for the first six months, then 11.99 percent, and the annual fee is $65.
- Safety Obsessed: Escape by Discover offers $50,000 in primary collision damage waiver coverage and up to $500,000 in flight accident insurance. Some of the other perks include roadside assistance, luggage and trip cancellation insurance. You'll get double miles for every dollar you spend on a purchase. The APR rate is 10.99 to 15.99 percent and the annual fee is $60.
- Frugal Spender: The Chase Freedom Visa would be a good card if you're wary of the annual fees and if you don't spend that much. You're entitled to one percent cash back on your purchases, and you have the chance of earning five percent back on the $1,500 you spend in certain categories. You'll also get a $100 bonus if you spend $500 in your first three months. The APR rate is free for the first six months, then 11.99 to 22.99 percent, and there are no annual fees.