So, you’re looking for resources for your travel! Great, you’re preparing for your trips. Sometimes things can be overwhelming but one step at the time! In this page, you’ll find the resources that I’ve used for my travel. There are actually so many more resources than what I’ve listed here; however, I am only listening the ones that I find it best AND that I actually experienced it or used it.
Looking for sweet (cheap) flight deals
Money & Travel
Travel Rewards Credit Card
This is the travel reward credit card that I personally use all the times. I love it! I avoid conversion fees and overseas transaction fee. Additionally, the more I use it, the more bonus I get!
✓ no conversion fees
✓ no overseas transaction fee
✓ earn bonuses
✓ transfer points to travel programs
✓ auto & flight insurance
✖ Spend $4,000 in the first 3 months via Chase Ultimate Rewards to get $625
✖ The annual fee: $95 (first year is waived)
✖ Interest rate: 17.24 – 24.24% depending on your credit score
✖ Charges if you withdraw money (DON’T!)
I don’t use other travel reward credit cards. Therefore, I cannot recommend anything; however, my friend and The Point Guy also recommend Chase Sapphire Reserve, American Express Starwood Preferred and more.
Or you have no credit history?
- Ask a loved one, who have a good score, to be the owner of the account
- Start building up your credit score & make yourself look good (a friend recommends Capitol One credit card to start somewhere – it’s not a travel card though)
Travel Debit Card
This is the debit card I’ve been using to withdraw money recently. I really love this card! I cannot believe that I didn’t get this long time ago to avoid conversion rate when exchanging money. I highly recommend!
✓ no conversion fees
✓ no foreign transaction fee
✓ unlimited ATM fee rebates (money back)
✓ can use most VISA-approved ATM kiosks (they claimed “any ATM” though)
✓ and more
✖ Only can transfer money via online or check
✖ Cannot deposit cash at ATMS
✖ Sometimes some ATM won’t accept your card (this is where extra cash comes in handy)!
✖ More than 5 days to complete transfer/deposit (from my experience)
Get it. You’re not a superhero who can’t get hurt or have nothing ever happen to you.
I’m honestly not keen to the idea of spending more money but something CAN happen. Whatever if I lost my luggage, got my things stolen by the monkeys or have a medical emergency. This travel insurance will protect yo ass (for most things).