Feeling overwhelmed by all the travel credit card options out there? 

You’re not alone. 

In this episode of the Lazy Budget Travel Tips podcast, host Genni Franklin breaks down how to confidently choose the right travel rewards credit card—for you. 

Not the one your coworker loves. 

Not the one influencers are pushing. 

The one that actually fits your lifestyle, travel goals, and budget.

We’re covering everything from the types of points you can earn to what to do after you get approved (or denied), so you’ll know exactly how to get started with points and miles the smart and sustainable way.

🧠 What You’ll Learn:

• The 3 types of travel rewards credit cards and who they’re best for
• How welcome bonuses work (and what to watch out for)
• Why annual fees aren’t always bad—and can sometimes save you more
• Application strategies for the best chance of approval
• What to do after you apply, whether you’re approved or not

Time Stamps
00:00 Introduction to Travel Credit Cards
02:51 Types of Travel Reward Credit Cards
07:27 Understanding Welcome Bonuses
14:05 Evaluating Annual Fees
17:11 Application Strategies for Approval
22:32 What to Do After Approval or Denial
29:14 Conclusion and Final Tips

Episode Resources:

• What is a Welcome Bonus?
• What is the 5/24 Rule?
• How to Meet a Minimum Spend
• Why credit card annual fees are worth it
• Do’s and Don’ts of Using Your New Travel Rewards Credit Card

Support the show

Full episodes, including video, are available on Youtube.

Check out more from Genni:

• Join the Lazy Budget Travel Tips Facebook Group
• Grab the FREE Budget Travel 101 Course
• Follow Genni on Instagram
• Traveling Franklins Blog
• Get the Weekly Newsletter!