AirmilesIf there’s one thing that I like about credit cards, it would be the rewards that they offer.

Don’t get me wrong. I normally don’t endorse credit cards because they’re dangerous and can backfire at you if you don’t pay them off at the end of the month. BUT, if you are responsible with your finances like me, credit cards can be a good thing. Needless to say, you should have enough emergency savings and no debt (or close to no debt) before you even start applying for card/s with rewards.

These offers include cashback, gift certificates, statement credit, and travel. I’ll be talking about the travel rewards. FREE TRAVEL.

Well, almost FREE travel.

I am happy to report that half of our trip to Europe last year was financed with credit card rewards. If you have not read about our awesome Euro tour, click here http://www.yourbudgetpal.com/2015/03/30/europe-diaries-part-1-of-2/ and here http://www.yourbudgetpal.com/2015/04/07/europe-diaries-part-2-of-2/

On another exciting note, my bf and I have an upcoming trip to Japan, Philippines, and China NEXT WEEK!!! Yes folks, I am super excited! And of course, we used miles again for this trip. I can’t wait to see Mt. Fuji, Harajuku District in Tokyo, the Mall of Asia in Manila, and the Great Wall of China. 🙂 🙂 🙂

I have round up the three best travel reward credit cards out there to choose from. As a disclaimer, I did not get paid for endorsing these cards. Also, these cards are only available to US residents with an excellent credit.

1.) Hawaiian Airlines World Elite MasterCard by Barclays

You might think that this is a little bit biased since I live in Hawaii but with this card, you can earn 35,000 miles after spending $1000 for the first 3 months of account opening. However, there is an $89 annual fee to have this card. You might be wondering, what can a 35,000 miles do for you?Good question! Well, it can be your round trip ticket to ANY island in Hawaii. Or if you live in the islands, it can be your roundtrip ticket to the mainland.

2.) Chase Sapphire Preferred Card by Chase

I love this card. Why? Because it offers 40,000 miles if you spend $4000 in the first 3 months. How in the world are you suppose to spend $4000 in the next 3 months? Another good question! When applying for this card, it’s all about timing. If you know that you have a big purchase coming up like tickets for vacation, car insurance, etc, why not apply for this card? Or if you have a crazy brother who wants to buy a $5000 jewelry bling (in my case), why not apply for this card? Believe me, I tried to talk him out of it.

What can 40,000 miles do? It’s a one way ticket to almost ANYWHERE in the world. I used this as my one way ticket from Hawaii to Germany. There is however a $95 annual fee which is waived the first year. Oh, before I forget, this card is made of metal. I get the ohhhs and the ahhhs whenever I take this out from my wallet.

3.) British Airways Visa Signature by Chase

Another gift from Chase. With this, you get 50,000 Avios points after you spend $2000 in the next 3 months. Like the Sapphire points, this 50,000 Avios points can be used for a one way ticket to almost ANYWHERE in the world. Again, there is an annual fee of $95 which is waived the first year.

Now, of course, you should also weigh the pros and cons of each card. Read the fine prints. Would you be using the card all the time? Would you be able to fulfill the spending requirement? Is the annual fee worth it? What are the other benefits after the initial bonus?These are the questions that you need to answer before you start applying.

My philosophy is, I spend and pay bills anyway, so why not enjoy some travel rewards on the side. With a little planning and having discipline, you too can enjoy the wonderful world of flying to places for FREE! Well, almost FREE.

Now tell me, where do you want to go?