Consult with Cards: TPG’s recommendations for family travel
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Editor’s note: Consult with Cards is a weekly series where the TPG cards team helps our readers decide what their next card should be. If you would like to be a part of this series and receive a personalized consultation, email us.
As we return to the skies, we all want to enjoy the enhanced travel experience. TPG reader Nate Gonzales reached out to me asking advice on which credit cards will help his family travel as comfortably as possible.
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While Nate likes dabbling into award travel, he wants to avoid any cards that will start to feel like “extreme coupon clipping.” He doesn’t mind putting in some extra work, but applying for overcomplicated credit cards in the interest of saving a few bucks isn’t appealing to him. Let’s look at how we can help Nate and his family as they look toward future trips.
Nate is in his early forties, living in Boston with his family of three. They travel twice per year: once to the Pacific Northwest and on an annual beach vacation.
When the price is right, they like to travel in economy plus, business or first class. Since Nate is 6’2 and has several herniated discs in his back, legroom and comfort are essential factors.
Travel style and aspirations
“We just found out on our last trip that lounges really make the difference in traveling, so we are working that into the cost of every trip or when comparing annual fees,” said Gonzales.
His family has typical everyday spend, with most of their budget allocated toward groceries, gas and restaurants. Thankfully, putting your spend on the right cards can rack up thousands of points each year, helping offset some of Nate’s upcoming travel costs.
Current credit cards
Nate expressed that these are the three cards he’s using the most to maximize his everyday purchases:
|Card||Welcome offer/sign-up bonus||Earning rate||Annual fee|
|Bank of America® Premium Rewards® Credit Card||Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.||2 points per dollar on travel and dining. 1.5 points per dollar on all other purchases.
Through Dec. 31, 2021, enjoy 2 points per dollar on grocery store purchases.
|Delta SkyMiles® Platinum American Express Card||Earn 90,000 bonus miles & 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases in your first three months of account opening. Offer ends 11/10/2021||3 miles per dollar on Delta purchases and hotels, 2 miles per dollar on dining and U.S. supermarkets and 1 mile per dollar on all other purchases.||$250 (see rates & fees)|
|American Express® Gold Card||Earn 60,000 bonus points after you spend $4,000 on purchases in your first six months of card membership.||4 points per dollar on U.S. supermarkets (on up to $25,000 annually) and dining, 3 points per dollar on flights booked directly with the airline or through Amex Travel and 1 point per dollar on eligible other purchases.||$250 (see rates & fees)|
Since Nate can justify paying annual fees if the travel benefits are lucrative enough, let’s take a look at some cards that he should consider applying for.
Card recommendations for Nate
Since Nate has opened more than five cards in the past 24 months, he’s currently ineligible for Chase-issued cards. With that in mind, let’s give some non-Chase card recommendations for him and his family.
He opened the Delta Platinum card in June, but he’s unsure if it’s the best card for him and his family long-term. “I’m not sure if it’s going to do for me what I want,” said Gonzales. “So, I am on the hunt for another to either replace or complement it, so your post is perfectly timed.”
As Boston is one of Delta’s hubs, Nate mostly flies to Delta. If he’s looking for lounge access, though, his current Delta Platinum card allows him to access the Sky Clubs at a discounted rate of $39 per person (for the cardholder and up to two guests). However, this can get pricey, as a single visit for a family to three would cost him $117.
Since he’s already paying the $250 annual fee (see rates and fees) on the Delta Platinum, our suggestion is to downgrade to the no-annual-fee (see rates and fees) Delta SkyMiles® Blue American Express Card to avoid any impact on his credit score. Then, he should apply for the Delta SkyMiles® Reserve American Express Card. While American Express has one-bonus-per-lifetime limits, Nate should be able to open a separate Reserve card entirely and snag the welcome offer so long as he hasn’t had the Reserve in the past.
Currently, the Delta Reserve welcome bonus: Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new card in your first three months of card membership. Offer ends 11/10/2021. Those bonus SkyMiles are worth up to $880 according to TPG’s valuations.
Now, while the $550 annual fee (see rates and fees) can seem daunting, he’ll enjoy free Delta Sky Club access and even Centurion Lounge access on same-day Delta flights. While there’s still a $39 fee for up to two guests, he’ll get two free Delta Sky Club guest passes per year that will undoubtedly come in handy for his family of three.
Besides, plenty of other benefits will justify the $550 annual fee (see rates and fees) on the Delta Reserve. Cardmembers will enjoy complimentary upgrades for Delta One® domestically, first class and Comfort+ after elite status members. Note that basic economy fares are not eligible for upgrades. As a Delta Reserve cardholder myself, I have been surprised with the number of upgrades that have cleared, even scoring Delta One on my most recent flight home from Phoenix (PHX) to New York (JFK).
If not upgraded to Delta One or first class, getting upgraded to Comfort+ to snag extra legroom is possible on many flights. Plus, earning elite status is made easier by opening the Delta Reserve to snag better upgrade opportunities, as you can get the Medallion Qualification Dollar (MQD) requirement waived by spending $25,000 on the card in a year.
Last but not least, the companion certificate on the Delta Reserve is much better than of the Platinum. It’s good for first class, so he can fly to Portland (PDX) or the beaches in Florida or California and bring his partner for just the cost of taxes and fees. Meanwhile, Nate can pay or use SkyMiles for the child’s ticket.
With their annual trip to the Pacific Northwest, opening a card with Alaska Airlines may make sense since they operate hubs in Portland (PDX) and Seattle (SEA).
If Nate can qualify for a business card (and there are many ways without owning a brick-and-mortar store), he should pick up the Alaska Airlines Visa® Business Card for its stellar 60,000-point sign-up bonus and Alaska’s Companion Fare from $121($99 fare plus taxes and fees from jus $22) after spending $3,000 in the first 90 days of account opening.
Alaska miles are some of the most valuable in the points and miles game, and TPG values them at 1.8 cents each (making this bonus worth $1,080). These bonus points are worth 20 times the low $50 annual fee. Plus, the annual companion fare will come in handy for savings on family travel on their trip to Portland each year.
While the earning rate isn’t the best (3 miles per dollar on Alaska Airlines purchases, 1 mile per dollar on everything else), you’ll get free checked bags for you and up to six guests on your reservations. Nate and his family will also find value from the discounted lounge passes (50% off) and inflight purchases (20% back as a statement credit). A day pass typically goes for $50, so the 50% discount on Alaska lounge passes is perfect since they only travel to the Pacific Northwest once per year.
If Nate is ineligible for a business card, the consumer Alaska Airlines Visa Signature® credit card is still a compelling option, though there’s a lower sign-up bonus. New cardholders will get 50,000 bonus miles plus Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) after you make $2,000 or more in purchases within the first 90 days of account opening.
The discounts and annual companion fare are the same as the business version, but there’s also a slightly higher $75 annual fee on the personal version. Still, it shouldn’t be hard to maximize either card from Alaska Airlines.
Finally, Nate mentioned that he wants to stay at nice hotels. He’s flexible when it comes to hotel chains, though he told me, “I used to like Marriott, but they seem to be going downhill, so we tend to lean more towards Hyatt and sometimes Hilton or IHG if need be.”
While the World of Hyatt Credit Card is one of our favorite hotel cards out there, it’s a Chase-issued card. Fortunately, we’ve seen some great offerings from the Hilton Honors American Express Card — not to mention some fantastic welcome bonuses.
The Hilton Honors Surpass American Express card with a $95 annual fee (see rates and fees) seems to be a solid choice for Nate and his family. For starters, new applicants will earn 130,000 bonus points after spending $2,000 in purchases in the first three months and an additional 50,000 points after you spend $10,000 in the first six months of account opening. If Nate earns the full welcome bonus, he’s looking at $1,080 in value (based on TPG’s valuations).
The earning rate is 12x on Hilton hotels and resorts, 6x on U.S. supermarkets, U.S. gas stations and 3x on all other purchases. Since Nate currently doesn’t have a card that earns bonus points on gas, earning 6x will help Nate and his family rack up Hilton points in no time.
Nate will enjoy complimentary Hilton Honors Gold status thanks to the card, with the opportunity to upgrade to Diamond by spending $40,000 on the card per calendar year. Gold status starts to unlock space-available room upgrades, among other perks, improving the overall experience for Nate and his family.
By spending $15,000 on the card each calendar year, Nate will also get a free weekend night award that can be used for one of Hilton’s luxury properties to outsize the value.
Finally, the Hilton Honors Surpass offers 10 Priority Pass lounge visits each membership year. There are more than 1,300 lounges worldwide, so if Nate and his family can’t visit a Delta Sky Club or an Alaska lounge, there will surely be other lounges to visit for free. (Enrollment required for select benefits)
In many cases, it’s worth downgrading the card you have first and then applying for an ultra-premium card with better benefits. For Nate’s family of three, these three cards all offer lucrative benefits that aren’t overly difficult to maximize.
Thanks for reaching out, Nate! If you’re a TPG reader who’d like us to answer a consultation of your own, feel free to email us for a chance to be featured in this weekly series.
Official application link: Delta SkyMiles Reserve Card.
Official application link: Alaska Airlines Business Card.
Official application link: Alaska Airlines Visa Signature Card.
Official application link: Hilton Honors Surpass.
For rates and fees of the Delta SkyMiles Platinum, click here.
For rates and fees of the Delta SkyMiles Reserve, click here.
For rates and fees of the Delta SkyMiles Blue, click here.
For rates and fees of the Hilton Honors Surpass, click here.
For rates and fees of the Amex Gold Card, click here
Featured photo by ake1150sb for Getty Images.
Updated on 9/08/21
Welcome to The Points Guy!
Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees