We’re No Longer Updating Our “Best Credit Cards” List

After much thought, we’ve decided to retire our Best Credit Cards list.

Why? Because the points and miles landscape changes constantly. Offers shift, new cards launch, and what’s “best” truly depends on your travel goals, spending habits, and lifestyle. Rather than try to keep a one-size-fits-all list current in an ever-changing environment, we’re focusing on more personalized guidance.

Still want help finding the right card?

We offer free 1-on-1 consultations where we’ll walk through your goals and give you a custom recommendation that actually fits your situation.

Thanks for being part of the BoldlyGo community—we’re here to help you travel smarter.

How to Choose the Right Travel Credit Card

When selecting a travel credit card, consider these factors:

1. Your travel patterns: Do you frequently fly one airline or stay with one hotel chain? A co-branded card might make sense. For flexibility, choose a general travel card.
2. Annual fee vs. benefits: Make sure the card’s benefits (like annual travel credits, free checked bags, or lounge access) outweigh the annual fee.
3. Welcome bonus: Look for substantial sign-up bonuses to jumpstart your rewards, but make sure you can comfortably meet the spending requirement.
4. Redemption options: Consider how easily you can use the points or miles you’ll earn. Some programs offer more flexibility than others.
5. Foreign transaction fees: If you travel internationally, choose a card with no foreign transaction fees to avoid unnecessary charges.

Maximizing Your Travel Credit Card

• Stack rewards by using shopping portals, dining programs, or special promotions offered by your card.
• Meet the minimum spend requirement for the welcome bonus using your regular expenses, not by overspending.
• Use the right card for the right purchase to maximize category bonuses.
• Pay your balance in full each month to avoid interest charges that would negate the value of your rewards.
• Look for transfer bonuses when moving points to airline or hotel partners for even more value.

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