Q: I'm on the road a lot. I don't want to max out my card and not be able to make purchases. Which card is best for me?
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Road warriors like you need plenty of flexibility. You never know when your boss sticks you with last minute expenses at the copy shop or at the hotel front desk. And, if you lose the next round of restaurant credit card roulette, you don't want your card declined in front of colleagues or clients.
That's why I'll include rewards credit cards and charge cards without pre-set spending limits:
American Express® Premier Rewards Gold Card. The classic charge card got a modest facelift not long ago, adding some perks to ease your time on the road. Membership Rewards points for eligible purchases can help you earn points to transfer toward air travel with over 20 frequent traveler programs or use gift cards at popular stores.
Chase Freedom® . This easy-to-track cash back rewards card offers 1 percent cash back for every purchase you make, all year long. You can even earn 5 percent cash back when you sign up each quarter for seasonal rotating categories subject to maximum spend in combined purchases and quarterly enrollment.
Citi® Platinum Select® / AAdvantage® World MasterCard. If "on the road" really means "in the air," Citi's premier airline credit card lets you earn AAdvantage miles on qualifying purchases redeemable on one of the country's best-connected route networks.
Keep in mind that the phrase "no pre-set spending limit" doesn't mean you have an unlimited line of credit with any of these lenders. Every time you swipe your credit card, your lender's database compares your purchase to similar transactions you've made.
If what you're buying falls too far outside your expected pattern, or if it looks like your purchase could put a strain on your budget, you may get declined. Therefore, it's a good idea to let your bank know of any unusual travel plans or big purchases in advance.