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LVA’s Top Picks for 2022

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. Whatever benefit you’re looking for, we’ve got a great card to fit the bill.

The cards below are some of our “must have” credit cards for 2022.

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2 Cards Available:

Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $395

Calculator
Estimated Bonus Value :

$1,200

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 10 Miles per dollar when you book on Turo, a sharing marketplace, through May 16, 2023.
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

  • Up to a $300 credit annually for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Notably, I verified with Capital One that this is “full” Priority Pass access, meaning that it includes airport restaurant locations.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
  • Primary Car Rental Collision/Damage Coverage
  • Authorized Users can be added for no fee and they also get their own Priority Pass membership.
  • Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
  • No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months
Credit card

Citi Premier Credit Card

Annual Fee: $95

Estimated Bonus Value :

$960

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Annual Fee: $95

Calculator
Estimated Bonus Value :

$960

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel, dining, and grocery card with a low annual fee.

Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.

There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.

How Does the Citi Premier Earn Citi ThankYou Points?

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flights and Hotels
  • 1X Points on All Other Purchases

Other ThankYou Premier Card benefits

  • The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
  • No foreign transaction fees

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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