Newbie to the points game. I currently have a cash back card but I’m looking at travel cards with a good welcome bonus to buy a $7k engagement ring (paying it off right away). What do you recommend? Im expecting to travel only for leisure 2 times in the States and 2 times international per year. I normally spend $2k on nontravel related expenses per month (not including rent). $50 cash back per month right now. Should I go high annual fee high rewards? Low annual fee and low rewards?

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May I ask what airport and airline you primarily travel through or from? This will help determine the card with the lounge access and transfer partner you would utilize the most.

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Points >>>>>> cash back

For people new to travel points, I highly recommend a generic travel card. Probably something like Chase Sapphire Preferred/Reserve (60k bonus) or the Cap One Venture X (75k bonus).

Unfortunately the VX just killed their 90k bonus via referral... but still a great card. I have quite a few cards but my main travel ones are CSR (+ CFU + CFF), VX (+ Savor One), and Bilt.

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What’s your cash back card? Most if them can be converted to points once you up a premium card with the same bank

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