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This dilemma is quite common among those who do not fly a lot. And in most cases the answer would be to get a regular credit card because it is cheap and you won't lose much in rewards. However, since there is a Delta SkyMiles card that has no annual fee - the Delta SkyMiles® Blue American Express Card, and you may want to apply for this card.

The SkyMiles® Blue card does not offer a big sign-up bonus, and elevated 2X miles are given for Delta and restaurant purchases only (other purchases will only earn 1x miles). Plus, it does not offer such valuable travel perks as priority boarding or travel credits. So if your main expenses are not dining or Delta purchases, then we would recommend you consider a different credit card that is right for your spending habits.

There are various travel rewards credit cards, and it might be hard to choose one best credit card for you. But if you are new to travel rewards or do not travel more than one or two times a year, look for simple credit cards with moderate annual fees. It might be a credit card with cash back or a card that offers a higher rewards rate on travel purchases. Such cards usually come with low to no annual fees, allow you to earn rewards without flying, and allow you to redeem earned rewards as statement credits or cash.

If you are an avid traveler and want your new credit card to have some travel benefits in addition to travel rewards, then look for travel rewards credit cards like the Citi Strata Elite℠ Card. Such cards come with various travel credits and benefits like lounge access, upgrades, points transfers, or priority boarding. The only drawback of such cards is that they usually come with high annual fees and require good-to-excellent credit ratings to qualify.

tags : Travel Travel Rewards Travel Credit Cards

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.