I came across this forum and I think this is the best spot for me to convey my concerns. My husband and I are using non-travel credit cards. We have been using our credit cards on all our transactions even online. We have been spending more than $20,000 credit card bills every month and did not even remember receiving any freebies or cash rebates at all. We don’t even miss any minimum amount payment every month. How frustrating it can be?

My co-worker once told me her vacation spree get way with her husband when they both visit Paris two years ago. I was surprised when she told me that they’re plane tickets were free due to their accumulated travel rewards credit cards. Even if their annual fee is a little bit high with MBNA card, still it becomes an investment for the both of them. With her story, I was convinced to get the same credit card like hers.

Can you please help me get my own MBNA travel rewards credit cards as well? I want to use it in all my transactions for me to collect redeemable points for our planned vacation in Hawaii next year. Chris and I have been working so hard for our two kids and we wanted to have a break from it. We have paid vacations for two weeks but, still it is wonderful to save pennies on buying our costly plane tickets. Isn’t it?

Are there any travel rewards credit cards available aside from MBNA that offers low annual fees? Which card is perfect for us? Please advise.

Thanks.