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Review: PenFed Pathfinder Rewards Visa Signature

⭐⭐⭐⭐⭐, Credit Card Reviews /

The PenFed Pathfinder Rewards Visa Signature is one of the best travel cards. Although this card technically has an annual fee, it’s so easy to avoid, Pathfinder should be considered a no-fee card. It includes essential benefits plus a variety of credits to make the card a continuous net positive.

FEATURES AT A GLANCE

  • No annual fee ($95 if you’re not a PenFed Honors Advantage Member)
  • No foreign transaction fees
  • 4x points on travel (3x if you’re not a PenFed Honors Advantage Member)
  • 1.5x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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Review: Discover It Cash Back

⭐⭐⭐⭐⭐, Credit Card Reviews /

The Discover It Cash Back is a no-fee card which earns at least 5% cash back on certain categories. These categories change every 3 months. Discover used to show each year’s cashback calendar in advance so there aren’t any surprises, but now they announce one month before. It’s fairly easy to plan ahead. Not to be confused with Discover It Miles, this card also earns unlimited 1% cash back on non-category purchases.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 5% cash back on rotating categories ($1,500 quarterly spending limit)
  • 1% cash back on everything else

Click here for 2024 categories.
Click here for 2023 categories.

Categories typically look like:

  • Q1 Jan-March: Grocery stores plus 1-2 other categories
  • Q2 April-June: Gas stations or restaurants, plus another category
  • Q3 July-Sept: Restaurants or gas stations, and maybe Paypal or digital wallets
  • Q4 Oct-Dec: Amazon.com plus Walmart.com and/or Target.com

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Review: Chase Sapphire Reserve

⭐⭐⭐⭐⭐, Credit Card Reviews /

The Chase Sapphire Reserve (CSR) is a luxury credit card for travelers which offers many perks. It’s also an integral part of the “Chase Trifecta” rewards strategy, which significantly boosts earnings. The Sapphire Reserve excels in the travel and dining categories, and has some of the best travel insurance protections on any card.

FEATURES AT A GLANCE

  • $550 annual fee
  • No foreign transaction fees
  • 10x points on hotels and car rentals (booked through Chase Ultimate Rewards)
  • 10x points on Chase Dining prepaid reservations (through Chase Ultimate Rewards)
  • 5x points on flights (booked through Chase Ultimate Rewards)
  • 3x points on dining
  • 3x points on travel
  • 1x points on everything else
  • $300 annual travel credit
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)
  • Chase Offers

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