Capital One Venture travel card. My favorite travel card ever. Uses the VISA network so it’s accepted globally. I use my Venture card for 90% of all purchases and pay it off in full each month. Unlimited 2 miles for every purchase. When redeeming points, you can redeem from ANY airline and hotel. More details.
Discover It card. I use this only on purchases that will give me 5% cash back. (For 2018, Q1 was gas stations/wholesales clubs, Q2 is grocery stores, Q3 is restaurants, and Q4 is Amazon.com/wholesale clubs). More details.
Delta Sky Miles credit card. I got this for the sign up bonus. With a friend’s referral code (ask me), I only had to spend $1,000 in the first 3 months instead of $3,000. Got 50,000 bonus points which covered my Dec 2018 Europe trip. Just had to pay $190 in fees that points wouldn’t cover and I still had 9,000 points left over for another trip! I only use this when my flight happens to be Delta. Otherwise I use my Capital One Venture. More details.
Here's how I rack up points:
Spending bonus for opening the card. (Ex. Spend $3K in first 3 months for 40,000 points, which is $400 or a cashback match).
Put ALL purchases, big and small on the card. It adds up fast. Here's my logic: Why spend cash when you can't get rewarded?
“I got it, just Venmo me.” Offer to pay for group bills and then have friends pay you back.
Use different credit cards to maximize rewards. (Ex. I use my Discover for purchases that will give me the 5% back. Then I use my Capital One for everything else).
Refer a friend for $$. Discover gives $50 for each friend that is approved. Contact me for a referral link for both Discover and Delta card!
*Disclaimer: I pay off all of my credit cards in full each month. This only benefits you if you do not carry a balance. Do not get a credit card if you cannot pay it off. With the high interest rates, even though you get the points, 2% cash back does not cancel out for 21% interest rate you will be paying.