Are travel cards worth it? Not sure if I should get a delta card. Also what’s better Marriott or Hilton rewards?

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Depends. Marriott cards aren’t great for how you earn points, but you get 15 nights credited to your balance and get a free night each year.

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Hotels - Whichever one you use more. I have Hilton but plan to cancel after year is up because it doesn't really offer anything. Many other hotel chains give you a free night annually which basically covers the AF.

Delta card is great if you do personal travel as you get free bags and aren't the last to board.

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This is not the way to look at it.

1. Look at the value per point. You can google this or visit any of the the many points bloggers. For example, the value of a Marriott point is higher than a Hilton point, etc. Then look at the non-cobrand cards and compare e value. For example - Citi double cash gives uou 2% back cash. So 2 cents per dollar. With this, then do the math of what gives you more value... if the Marriott card for example gave you 3 points per dollar and each point is valued at .6 cents, you’d be better off getting 2% cash back and eventually using that cash to pay for a night at a Marriott if u wish.

2. Co branded cards you should look at based on the benefit, not necessarily the retun. For example, is free checked bags / feee WiFi worth the annual fee? If so, get it and store it in a drawer. Then pay with the card that gives u the highest return

smart

The fees for the airline cards are crazy high. You need to travel for personal reasons quite a bit to get your money back.

Look into Chase SW personal and business cards if you fly SW. You can get the companion pass pretty easily.

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