© Copyright 2004-2013 Niche Topics ™ All rights reserved  Terms & Conditions | About us | Sitemap  


SIGN UP for our free newsletter

Share |

  LATEST posts

All things that are written on this website are about our experiences and what have worked for us, or general information only. We are not telling you to do any of those things mentioned and we do not endorse any products found on these pages. We simply want to share with you what has helped us. Hope that you enjoy reading our posts and please come back regularly to read more!


   Contact Us   Advertise   Freebies   Share Ideas & Recipes |


  POPULAR articles





Home Money & Lifestyle Food & Drinks Health & Fitness Beauty & Wellness Pregnancy & Kids





  QUICK links

Insurance tips and tricks

Debt reduction and loans

Green cleaning and household tips

Personal empowerment and self improvement

Relationship building skills

Shopping tips, tricks and tweaks

About Niche Topics

Niche Topics (Money and Lifestyle) is about helping you manage your finances so that you live comfortably within your means. We share frugal living ideas such as save money around the house, cheap to make recipes, budget-friendly solutions for everyday living, recycling crafts, helpful hints to buy things without getting burned, and many more!

4 Easy Ways to Remove Shoe Odor and Sweat Stains


10 Unusual Alternative Uses for Baby Oil


5 Surefire Ways to Keep Your Grocery Bill Low


What Are Soap Nuts?


How to Get Rid of Cockroaches Naturally

The Rainforest Site

What is the Best Travel Credit Card



By Robert Banks

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 points for.

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 as fifteen.

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 of points.


Which Is the Best Credit Card for You

Know the various types of credit card out there and what different features they offer.


Love Credit Cards but Hate the Fees?

Find out what are credit card hidden fees and charges and how to avoid paying them.


10 Tips to Get the Best Student Credit Card

Do you know what are the things you should look for before you apply for a student credit card?


How to Manage Credit Card Debt

You can control and get out of credit card debt fast with these proven and simple tips.


When to Use Credit Card Consolidation Services

Why such services can be really useful when you are unable to manage debt on your own.


Looking to Fund Your Family’s Vacation?

How to get and what to look for in a holiday loan.


7 Tips to Avoid Lost Luggage

How you can avoid lost luggage and know what you can do if your luggage is ever lost.


How to Get Bad Credit Loans

Tips that will make the entire process of getting a loan easier for you.


What Credit Score Numbers Mean

What are credit score numbers? Did you know your credit score can affect the type of loans you get?


Want to Improve Your Credit Rating?

Easy steps you can take to improve your bad credit score fast, in as little as 6 months.








what is the best travel credit card