r/CreditCards•
DonCreates

Is it worth paying for a "travel" credit card as a 19 year old?

Help Needed / Question

I'm a 19 year old college student, and I work part time over my breaks. I'm looking to get my first credit card after years of only using debit. From my research it seems that I have 2 options:

  1. Get a card with no annual fee and earn around 2% cash back with minimal other benefits

  2. Get a "travel" card (ie. chase sapphire preferred) with a ~$100 annual fee but points and cash back on purchases

For context, I am not a big spender but I do prioritize traveling. On average I'd say maybe 3 or 4 week-long trips a year. Thankfully, I had my parents add me as an authorized user on their card years ago so I do have around a 735 credit score. I'm just wondering if it is worth it to get a travel card for my situation. The one downside with the sapphire preferred is that I won't spend $5000 in the first 3 months to get the points bonus (unless I add my parents as users and ask them to spend some on the card too). That's kind of off topic but is that ethical/allowed? Any advice on this decision is greatly appreciated. Thanks!

Posted Jul 1, 2025, 4:27 PM UTC

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