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If you travel frequently for business or for leisure, then you will certainly want
to take advantage of a travel credit card. Travel credit cards offer plenty of options
which can give you a great savings over time, including free flights, merchandise,
hotels rooms and many more. Here are some benefits of a travel credit card, and what
you need to know to get the best card to meet all your needs.
Travel cards, usually also known as air miles credit cards, are very popular these
days. However, they are not all similar.
Some of these travel cards will only allow the points earned to be used to purchase
other air travel tickets. This is somewhat limited when compared to what other credit
cards will offer. The point system and most of the other features will vary as well.
If it is just the miles that you are after, then you will find that you can also
get miles on many different types of credit cards. While some credit cards do not
particularly give you air miles, the points that you earn can often be translated
into air miles and then used accordingly – with certain airlines only.
Besides airline credit cards, hotel cards, bank cards, diners cards, rebate cards
and even some debit cards can give you the same benefits.
Travel credit cards offer several ways to earn points. Most will give you one point
for every dollar spent, but for many cards, this is about all they will give you
Other cards will usually offer a large up front point package when you make your
first purchase, usually between 5 to 20 thousand points.
Some also give you extra points when you shop at certain retailers or, if it is a
branded credit card, with that specific brand. This helps you accumulate points faster.
Some travel credit cards will even reward you extra points when you fly on their
airline. Also, look for sign up bonuses. Most travel credit cards offer joining bonuses
of 20,000 points or miles.
Other than those attractive points, you also have to look at the other features of
a travel credit card.
Pay attention to the interest rate – that is the rate you will be paying if you leave
a balance on the card. Then look to see if there is a balance transfer option. This
is very useful if you have balances on other cards and are paying interest on it.
Transfer the amounts and get an interest free period to reduce your debt.
Having said all that, be aware of other things such as when your points will expire.
This could be disappointing if you are hoping to get a free trip and then only to
discover your points have vanished.
You might also want to compare the various fees that apply, and the length of time
given for the introductory offer as it could be as little as three months or as long
If you are a frequent traveler, you should get an fee credit card as it gives you
a better rewards scheme. You accumulate rewards faster, you get better access to
services and special offers, and better protection.
Here is another thing to look out for – availability of the airline. If you get an
airline card, then make sure that it flies out of your local airport and that you
can get a flight back on it. Of course, it should apply to most of your travel destinations,
or else you really will not be able to enjoy the benefits. Instead you might want
to consider a bank card which you can use on nearly all airlines and still earn plenty