Hi all, im thinking of getting a new credit card. Currently have the BILT that I use for almost everything. I normally travel 1 time a year domestically, but am looking to do 3-5 big international trips in the next 5 years. I’m thinking of getting another credit card. I’m debating between getting Sapphire preferred but can’t really see me spending $95 dollars a year on it. New to the credit card game and would appreciate all tips. Current categories of most spend is dining/groceries. TIA

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A big thing to recognize since you're new: sign up bonuses (Bilt does not have one). Trying to optimize a couple extra points on category spend will never exceed a SUB.

Next thing: transfer partners. This is where you can get outsized value for your points.

I would strongly recommend opening Chase cards first because they are subject to the 5/24 rule (5 cards in 24 months, regardless of bank). CSP that you mentioned is a great card and the $95 is definitely worth it for the sign up bonus and access to transfer partners. It also gets a $50 hotel credit every year (book through portal though). CFU and CFF would be great to add as well.

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Capital One’s Venture X credit card is the simplest travel card to start out with when looking at annual fee. $395 annual fee, but you get 10,000 miles each year ($100 value when redeemed for travel expenses - base value) and $300 credit for hotel, flights, rental car through their travel portal. you also can get TSA pre-check or global entry which would be helpful for your international travels.

I agree! Chase is my favorite out and I have Amex and Cap 1. Definitely takes a lot more time to search for award travel, but the value is worth it.

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