A short fall trip to Park City, Utah, shows off a credit card that keeps things unusually simple for travellers: the Flagship Premier Visa Signature from Navy Federal Credit Union. The headline perk here is flexibility — you earn 4 points per dollar on virtually all travel spending booked anywhere, not just through a specific portal. Flights, hotels, rental cars, rideshares, parking, tolls, even campgrounds all count.

The sign-up bonus is 50,000 points (worth about $500) after spending $4,000 in the first 90 days, available through Jan. 3, 2027. Dining earns 3 points per dollar, and everything else earns 1. On top of the earning rates, the card includes a $100 annual airline credit that triggers automatically once you've spent $100 with any airline — baggage fees and in-flight snacks count toward it — plus up to $120 back every four years on Global Entry or TSA PreCheck application fees.

The reviewer put it to work on a two-night Utah trip. He flew Orlando to Salt Lake City direct with Delta, booked a rental car straight with Avis, and stayed at the Pendry Park City on a Virtuoso rate that came with breakfast and a one-bedroom suite upgrade. Since none of these went through a portal, each earned the full 4x rate while keeping his airline and hotel loyalty benefits intact.

Park City itself is barely 40 minutes from the airport, which makes it an easy adventure base outside ski season. The writer hiked the Armstrong Trail at Park City Mountain Resort — over six miles of forest and town views past idle ski lifts — then rented a beginner-friendly bike from White Pine Touring and rode the historic Rail Trail to the Round Valley and Big Easy loops, about 13 miles in total. Dinner on Main Street at Cafe Terigo (ricotta appetiser, herb-crusted trout) capped the day.

The standout came at Utah Olympic Park, venue for the 2002 Winter Games and slated to host again in 2034. In the warmer months it turns into a summer playground with zip lines, an alpine slide and a wheeled bobsled run that hits around 74 mph and up to 4 Gs. A Gold Pass covers most activities near the end of the season, and the museum is free if you'd rather just look.

For travellers weighing this card, the takeaway is straightforward: if you dislike being pushed into booking portals and want everyday travel spending to earn a flat high rate, it delivers. Pair it with an annual airline fee credit and airport fast-track reimbursement, and it covers a lot of the small costs that add up on trips like this one. Source: The Points Guy