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Best Credit Cards for Travelers Who Want Points and Rewards

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Chase Sapphire Reserve (Visa)


Narrowing down the best credit cards for travelers is not a simple feat. In terms of comprehensibility, credit card benefits are up there with cryptocurrency and stock markets. And for those who like to redeem their points for travel, you often end up with more questions than answers as you try to compare card benefits (miles, points, booking portals, travel credits, multiplication factors on hotels vs. restaurants vs. gas vs. airfare…).

But don’t give up! And certainly don’t sign up for the first offer you see advertised by your airline or favorite hotel chain. You have myriad options, whether you’re a frequent traveler who wants luxe perks and mega multiplying points, or you want to redeem all your credit card points for travel (even if it’s once per year) and simply want the best bang for your buck.

Hopefully we can point you in the right direction below. Read on for our picks of the best travel credit cards, in a variety of categories.


Chase Sapphire Reserve (Visa)
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Best Travel Credit Card for Frequent Travelers: Chase Sapphire Reserve (Visa)

  • Annual fee: $550
  • Recommended credit: 730-850 (excellent)
  • Introductory offer: 50,000 points after spending $4,000 in first 3 months

Why it’s the best: That steep annual fee isn’t so bad when you get $300 reimbursed on travel expenses; frequent travelers will have no problem covering the bases on the remaining fee. You get 5x on flights and 10x on hotels, car rentals, and prepaid restaurant reservations booked through the Chase Ultimate Rewards portal, which adds up fast for upgrades. All other travel and dining purchases worldwide earn 3x points, and the remaining spends earn 1 point for $1. There’s broad trip insurance, no international fees, and members can automatically enroll in the Priority Pass lounge program, wherein they have access to a network of 1,300 lounges worldwide—and can bring up to two guests for free. Points travel is 1:1 to hotel and airline partners, and you can also get $100 waived off your Global Entry/TSA Precheck applications.

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American Express Platinum Card

American Express Platinum Card
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Runner-up: American Express Platinum Card

Why it’s great: Frequent, high-level travelers will have no problem earning back that steep $695 annual fee, given a generous 5x points program on flights and hotels—and the 100,000 point introductory offer (on $6K spent in 6 months) is as alluring as the sleek card itself.

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Chase Sapphire Reserve (Visa)

Chase Sapphire Reserve (Visa)
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Best for Everyday Expenses + First-Time Card Users: Chase Sapphire Preferred (Visa)

  • Annual fee: $95
  • Recommended credit: 670-850 (good-excellent)
  • Introductory offer: 60,000 points after spending $4,000 in first 3 months

Why it’s the best: Chase Sapphire integrates well into your everyday life, offering point multipliers on dining and restaurant delivery (3x); hotels, trains, taxis, and airfare (2x); streaming (3x); and 5x on all travel booked through the Chase Ultimate Rewards portal. Steady travelers will also consider it their best pick. You get 1 point for every $1 spent on other purchases, as well as a 10 percent anniversary points boost and $50 annual hotel credit. There are no international transaction fees, insurance galore (rental collision damage waiver, trip cancellation, interruption, and baggage delay), and all points transfer 1:1 to participating airline partners.

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Citi Premier Card (Mastercard)

Citi Premier Card (Mastercard)
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Runner-up: Citi Premier Card (Mastercard)

Why it’s great: Get 3x points at supermarkets, gas stations, restaurants, airfare, and hotels, as well as 1x on everything else (per $1 spent). If you’re good at paying off your card each month, you’ll responsibly rack up points fast here.

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American Express Gold Card

American Express Gold Card
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Best Travel Credit Card for Food Lovers: American Express Gold Card

  • Annual fee: $250
  • Recommended credit: 690-850 (good-excellent)
  • Introductory offer: 60,000 points after spending $4,000 in first 6 months

Why it’s the best: That 4x dining and groceries benefit is a major perk for frequent eaters-out. You can even get $10 monthly credits to Uber (and Uber Eats), and $10 more for delivery partners like Seamless and Grubhub. Plus, there’s the perk of 3x points for flights booked directly through the airline’s site, or through the Amex travel portal.

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card
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Runner-up: U.S. Bank Altitude® Go Visa Signature® Card

Why it’s great: Get 4x points on dining, 2x on groceries, delivery, streaming services, and gas. Get 20K points on $1,000 spent in 90 days—and best of all, no annual fee.

Chase Ink Business Preferred (Visa)

Chase Ink Business Preferred (Visa)
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Best Travel Credit Card for Business: Chase Ink Business Preferred (Visa)

  • Annual fee: $95
  • Recommended credit: 690-850 (good-excellent)
  • Introductory offer: 100,000 points after spending $15,000 in first 3 months

Why it’s the best: For all that money you spend on advertising, shipping, and travel, you could be earning 3x the points with Ink Business Preferred. It offers cell phone protection, trip insurance, delay, and cancellation coverage, and acts as a primary car rental insurance. No foreign transaction fees, plus you get 25 percent more value for points redeemed for travel through Chase Ultimate Rewards (100,000 points is worth $1,250 instead of $1,000.)

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American Express Business Platinum Card

American Express Business Platinum Card
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Runner-up: American Express Business Platinum Card

Why it’s great: Earn 150,000 (!) points in the first three months after spending $15K. Earn 5x on flights and prepaid hotels, as well as 1.5x on shipping/advertising and other key business categories, as well as expenses of $5K or more.

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Chase United Club Infinite Card (Visa)

Chase United Club Infinite Card (Visa)
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Best Travel Credit Card for Airlines: Chase United Club Infinite Card (Visa)

  • Annual fee: $525
  • Recommended credit: 690-850 (good-excellent)
  • Introductory offer: 100,000 miles after spending $5,000 in first 3 months

Why it’s the best: There’s often a question whether or not people should have a credit card associated with their preferred airline. If you’re faithful to one airline, or if you travel with that airline a few times a year and only use the card to get a free checked bag, then yes, it’s worth it for the baseline cards (often $95-ish). But beyond that, baseline users can maximize points and customize perks a lot better with one of the general cards above. Now, if you’re not a baseline user, there are some cards that set the bar high.

One airline card with some real perks is the United Club Infinite card, granting lounge access, plus 2 free checked bags on each flight (for you and a companion), as well as priority check-in, baggage handling, seating, and security. You earn 4X miles on all United purchases, and 2X on all other travel costs. There are no foreign transaction fees, and you get $100 towards on TSA Precheck and Global Entry.

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Delta SkyMiles Reserve (American Express)

Delta SkyMiles Reserve (American Express)
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Runner-up: Delta SkyMiles Reserve (American Express)

Why it’s great: Delta lounge access, 3X on Delta purchases, 1X on everything else, and an easy way to expedite and upgrade your status with the airline.

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Chase IHG® Rewards Club Premier Credit Card (Visa)

Chase IHG® Rewards Club Premier Credit Card (Visa)
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Best Travel Credit Card for Hotels: Chase IHG® Rewards Club Premier Credit Card (Visa)

  • Annual fee: $89
  • Recommended credit: 670-850 (good-excellent)
  • Introductory offer: 125,000 points after spending $3,000 in first 3 months

Why it’s the best: If you’re no loyalist to hotels, then look elsewhere (see above: Chase Sapphire Preferred for its points multipliers). But, if you choose one hotel chain to be loyal to—for the cardmember perks, that is—then make it IHG (Kimpton, InterContinental, Crowne Plaza, Holiday Inn, etc.). You can earn up to 25X (!) points per dollar spent at IHG properties, get $100 towards TSA Global Entry and TSA Pre-Check, 2X on gas + groceries + dining, and earn a free night’s stay each anniversary.

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Hotels.com Rewards Visa

Hotels.com Rewards Visa
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Runner-up: Hotels.com Rewards Visa

Why it’s great: If you like to score a good deal on hotels but aren’t after the points and miles per se, then use Hotels.com’s rewards card. Every $500 on the card adds up to one stamp, 10 of which are redeemable for $110 credits on a single reward night. (Plus you get 1 stamp for every night booked on the card.) No fee, no foreign fees, travel protection, and $600 cell phone protection.

Get it


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10 Best Porters to Drink Right Now

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A bottle of Deschutes Black Butte Porter




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Best Time-Under-Tension Workout for Total-Body Strength

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Barbell Back Squat


The key to 360-degree muscle: 90-degree eccentric isometrics. It might seem like we’re throwing a lot of geometry at you, but the concept behind time under tension (TUT) is simple, says Joel Seedman, PhD, owner of Advanced Human Performance: “Perform the lowering phase of a movement in a slow, controlled fashion, usually 3 to 5 seconds; pause in the stretched position, typically around 90 degrees; then perform the lifting phase in a powerful yet controlled fashion.” Believe us, a time-under-tension workout can humble even seasoned lifters…Eccentric isometrics are like the pressure cooker of training.

“Rather than mindlessly performing slow-tempo reps, you’re using the increased time under tension as a means to fine-tune your body mechanics and alignment, which requires more mental engagement and focus,” Seedman adds.

If you want to forge functional muscle mass and strength while simultaneously bulletproofing the joints and connective tissue, give this 10-move, full-body eccentric isometrics workout a go.

Directions

Perform the following moves as 90-degree eccentric isometrics following the above protocol. Use heavy weight, but not at the detriment of proper form. Rest 60 to 90 seconds between sets and 2 minutes between circuits. Perform once every 2 to 4 days for optimal results.

Best Time-Under-Tension Workout for Total-Body Strength

Circuit 1

Marius Bugge

A. Barbell Back Squat

Set a squat rack up with heavy weight, then grasp bar and step under it. Squeeze shoulder blades together, then stand to unrack bar and step back with feet shoulder-width apart. Inhale, hinge at hips and slowly bend knees to 90 degrees. Pause, keeping natural arch in low back, then extend through hips to powerfully stand. 3 x 4-6 reps

Athletic man wearing gray T-shirt and maroon shorts renegade row
Marius Bugge

B. Renegade Row

Start in the top position of a pushup with hands shoulder-width apart on moderate-to-heavy dumbbells (shown). Explosively drive right elbow back to row dumbbell toward ribs while balancing on opposite hand and feet. Pause, then slowly lower weight, stopping a few inches above floor. Switch sides after all reps are done. 3 x 5 reps each side

Circuit 2

Athletic man wearing gray T-shirt and maroon shorts doing renegade row Dumbbell Bentover Row in gym
Marius Bugge

A. Dumbbell Bentover Row

Stand with feet hip-width apart, holding two moderate-to-heavy dumbbells in front of thighs, palms facing you. Push hips back and hinge torso forward so it’s nearly parallel to floor, soft bend in knees. Dumbbells should be near shins. Drive elbows back to row weights toward ribs. Pause, then slowly lower down for 3 to 5 seconds. 3 x 4-5 reps

Athletic man wearing gray T-shirt and maroon shorts doing Incline Dumbbell Chest Press with Legs Raised 
Marius Bugge

B. Incline Dumbbell Chest Press with Legs Raised 

Set an adjustable bench to a 30- to 45-degree angle and lie back with dumbbells in either hand. Engage core and lift legs off floor, flexing feet. Press weights overhead, palms in. Slowly lower to 90 degrees, staying tight and compact. Pause, then drive weights up directly over chest. 3 x 4-5 reps

Circuit 3

Athletic man wearing gray T-shirt and maroon shorts doing Dumbbell Bulgarian Squat
Marius Bugge

A. Dumbbell Bulgarian Squat

Stand lunge-length in front of a flat bench, holding heavy dumbbells in each hand by your sides, palms facing in. Rest the ball on top (shoe’s laces) of your right foot behind you on the bench. Slowly lower your body until your front thigh is parallel to the floor. Pause, then drive through your heel to stand. Switch sides after all reps are complete. 2 x 3-4 reps each side

Athletic man wearing gray T-shirt and maroon shorts doing Single-leg Romanian Deadlift
Marius Bugge

B. Single-leg Romanian Deadlift

Stand with feet hip-width apart holding dumbbells or kettlebells. Drive right leg up, foot flexed, knee aligned with hip, making a 90-degree angle. Hinge at hips as you slowly lever your torso toward floor, lowering weights and driving right leg back for counterbalance. Hold, then squeeze glutes to reverse. 2 x 3-4 reps each side

Circuit 4

Athletic man wearing gray T-shirt and maroon shorts doing pullup
Marius Bugge

A. Pullup

Hang from a pullup bar using an overhand grip with legs extended and feet flexed. Engage lats and draw shoulders down your back, then pull yourself up until chin is higher than hands. Pause at the top, then slowly lower. Pause at bottom, then reset before your next rep. 2-3 x 4-5 reps

Athletic man wearing gray T-shirt and maroon shorts doing Kneeling Overhead Barbell Press
Marius Bugge

B. Kneeling Overhead Barbell Press

Hold a bar with moderate-to-heavy load at shoulder level with forearms perpendicular to floor. Kneel at end of bench with feet flexed to grip edge for support. Inhale, engage your core and glutes, then press the bar overhead, pushing your head forward so it passes your face, exhaling at the top.
Slowly lower until elbows are at 90 degrees, then hold to maintain tension. Begin your next rep from here. 2-3 x 4-5 reps

Circuit 5

A. Dumbbell Pushup

Place hands on dumbbells (this provides greater range of motion) at shoulder width and feet wider than shoulder width with just toes touching the ground. Keep head neutral and hips high to increase tension on core, chest and tris and reduce stress on spine. Slowly lower to the floor. Stop
once elbows hit 90 degrees, pause, then push up to start. 1-2 x 6-8 reps

B. Biceps Curl

Stand with feet hip-width apart with moderate-to-heavy dumbbells in each hand hanging by sides. Engage biceps to curl the weights up, keeping upper arms still. Pause at the top, then lower slowly. Don’t let arms drop all the way down to keep greater time under tension on biceps. 1-2 x 6-8 reps


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The Best Jump Ropes for a Killer Cardio Workout

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The Best Jump Ropes for a Killer Cardio Workout




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