Best $95 travel credit card combo | Frequent Miler on the Air Ep358 | 5-15-26
Frequent Miler on the Air
Frequent Miler
4.9 • 640 Ratings
🗓️ 15 May 2026
⏱️ 82 minutes
🧾️ Download transcript
Summary
We talk a lot about the ultra-premium credit cards with expensive annual fees, but there are plenty of people interested in credit cards with more modest annual fees. Luckily, there are some great $95 credit cards that can be supplemented with fee-free cards for a great travel rewards strategy.
Giant Mailbag
(01:20) - Melissa writes in with a question about locking in Hyatt prices before May 20th
(04:48) - Jonathan writes in offering a few key data points to update our Hyatt points advance article, which you can find here
Card News
(08:48) - American Express adds $300 in ChatGPT credits on The Business Platinum Card® from American Express and American Express® Business Gold Cards
(12:40) - See our updated resource for the best cards for Priority Pass here
Crazy Thing: Priority Pass Restaurants
(16:04) - Priority Pass Restaurants
Awards, Points, and More
(18:02) - Mastercard Launches Mastercard Airport Dining Experience (‘Taste By/Of Priceless’ Airport Lounges)
(22:13) - JetBlue and United Unlock Reciprocal Loyalty Benefits
(25:51) - Read Nick's post about Citi Travel for rental cars here
(30:49) - Read more about Sixt offering prepaid fuel for $49.99 for rentals in the US for Sixt ONE members here
(34:31) - Points Path Pro now shows United discounted cardholder pricing
(36:23) - Read more about how to keep airline miles and hotel points alive here
Main Event: Best $95 travel credit card combo
(37:37) - We'll focus on which combination of credit cards might make sense for someone to use, but we'll stick to a $95 annual fee budget. We'll focus on transferable points and include cash back that can be converted to transferable points
(40:27) - Capital One
(42:21) - Chase
(47:54) - Citi
(52:03) - Wells Fargo
(56:07) - Other considerations
(1:01:05) - Best Mixed-Bank $95 Wallet
(1:10:40) - Nick's pick for best $95 wallet
(1:13:39) - Greg's pick for best $95 wallet
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Music Credit – “Ocean Deep” by Annie Yoder
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Transcript
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| 0:00.0 | This is a Voyescape podcast. |
| 0:03.9 | You can find all of our travel podcasts from around the world at voyescape.com. |
| 0:11.0 | Today's main event, the best $95 travel credit card combo. |
| 0:17.0 | Frequent Miller on the air starts now. |
| 0:20.9 | We talk often on the show about the increasingly expensive ultra-premium types of cards that cost $5.95, $6.95, $7.95, $8.95, and probably will be more than that by the time this podcast is released. |
| 0:36.6 | But some people, a lot of people, |
| 0:39.4 | I'd say, aren't too interested in picking up cards that have, you know, annual fees that are |
| 0:45.0 | through the stratosphere like that. So we're going to look at the low end today and say, |
| 0:50.3 | are there some great $95 cards that can be supplemented with fee-free cards to make a really |
| 0:58.9 | awesome travel wallet, basically? So for a traveler, can you get a lot of great features all for |
| 1:05.7 | $95 in total? And it's amazing. You really can. We'll talk about how you can go about that. You can do |
| 1:12.3 | really well without a lot of annual fees. So if you want to come back to that or you want to jump |
| 1:16.7 | around to something else in the show, feel free to expand the description box. You'll always find |
| 1:21.2 | the timestamps there. And wherever you're watching or listening to this, don't forget to give us a |
| 1:25.9 | thumbs up, a like, leave some stars for a review. |
| 1:29.4 | We appreciate your feedback on that. Let's drag out this week's giant mailback. |
| 1:34.4 | All right. We have two pieces of mail this week about Hyatt's upcoming devaluation. |
| 1:41.2 | If you'll remember, the Hyatt award charts change on May 20th, as well as some category changes. |
| 1:48.7 | So there's a lot of talk about trying to book things while it's possible. |
| 1:54.0 | And we've talked on a recent show about, you know, is it possible to book now and make changes later, that kind of thing. |
| 2:03.6 | And so both Melissa and then Jonathan have input into those topics. So first up, we have Melissa, |
| 2:11.2 | who wrote in saying, I reached out to my Hyatt concierge, who many people say is one of the best, and I definitely |
... |
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