Travel Credit Cards

There are severalcredit-cards types of credit cards for travelers. You can get hotel cars, airline cards, general travel cards and you can get so many rewards and freebies out of them that it doesn’t make any sense not to have one! Travel credit cards provide a great opportunity to earn free points that can be redeemed for airfare, hotels or cold hard cash. Here are some tips if you plan on getting a travel credit card:

First, you should get a card with huge sign bonus. Most travel credit cards offer joining bonuses of 20,000 or more miles! Don’t join one that doesn’t offer you anything or it will take a long time to exchange rewards for hotels, cash, or airfare. You want rewards now right?

Also, don’t forget to read the fine print. Are there are reward blackout dates, a fee structure, taxes, or other things the credit card company might try to sneak in there. Businesses don’t give away anything for free so for most cards they will try to sneak in some service charge. Compare the cards to make sure you pick one that doesn’t do anything sneaky.

I like cards with fees. I travel a lot and I don’t want to spend a long time earning points before my next trip. Fee cards have a much better rewards system than non-few cards. If you are a frequent traveler, it’s better to get a fee based card. Normally the first year’s fee is waived anyways. But more importantly, you’ll be able to rack up points to travel quicker. If you don’t travel a lot, it is probably not worth it to get a fee based card.

So which card should you get? A hotel card? A general travel card? An airline specific card? In order to decide, you need to consider how you will use the card. Are you loyal to one airline or airline network like the Star Alliance? Then you should get an airline card. If you are on the road for business a lot, then getting a hotel card would be perfect for you. For those who only care about price and not brand loyalty, a general card would be best. However, by getting a general travel rewards card you would have access to a wider range of brands and companies than if you had a brand specific card.

If you think about all of this before you get a travel credit card, you’ll be able to get the card that gives you the most value and rewards.

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