Six Tips To Choosing The Right Travel Credit Card

Travel Credit Card

Carrying a travel credit card with you when you’re traveling will not only help during emergencies, but also give you perks for all your travel related expenses. Currently, there are so many travel credit cards on market to choose from, but it’s hard to know which one is actually the best for you. When it comes to choosing the right card, here are some key considerations to take into account:

An initial sign-up reward is important when looking for a travel credit card. So, it would be best to pick one that offers high rewards and sign-up bonuses, but be sure to go through every detail on the small print. This is without a doubt very crucial. Some cards reward members with programs that allow them to fly to all destinations on all dates, with minimal or no restrictions, but others don’t.

Annual fees

Since most of us don’t like the idea of paying annual fees for credit cards, then this should be another key consideration. Annual fees could exist and that’s why it is important to read and understand every finer detail on the card. Make it your duty to check out the cards to make sure that there isn’t an annual fee. Nevertheless, some cards come with annual fees but offer great benefits that are worth it. So, consider the benefits to the fee and see if it makes sense to get the card. With these cards, you can save more money on travel than you will spend on fees.

Fees are also applied to overseas transactions. If you travel frequently, it’s pretty obvious that you don’t want to be stuck having to exchange cash or deal with high overseas transaction rates, which could be attached to the credit card.

Low spending minimum

A financially visible card should have spending minimums. Therefore, when you’re in the market to get a card, it would be an imperative idea to consider the spending minimum. See if you’ll be in a position to fit that into your budget. In case you’re running on a tough budget, a lower minimum card will work best for you. Don’t stress yourself to meet the spending requirements of a credit card not unless you travel frequently, more than 5-6 times a year.

Pick cards based on your travel preferences

You should pick a hotel card if you only stay at one hotel, an airline card if you only fly by that airline. These types of cards subsidize your purchase of services from these providers and also provide additional bonuses and perks.

Travel insurance

It is usually offered as an added advantage. If you often travel abroad, these cover is essential for health related emergencies and also for belongings. Basically, this benefit alone could make the annual fee charged on the card worthwhile. It generally advisable that you check the cover offered in the case of the card being stolen or lost when abroad. Some companies give global assistance. They offer replacement cards within 3-5 working days and the option to collect emergency cash from different locations across the world.

Brands that your card works with

If the card provides you with significant rewards for shopping at stores you always like shopping at, or eating at your favorite dinner joint, then don’t hesitate to get that card. In fact, this will be the best way to earn rewards points during your everyday life activities without having to change your preferences. Also, you will get special discounts or bonuses at the restaurants or stores sometimes, which cannot hurt. The Points Mom is a great resource to get an idea of some of the credit card rewards programs offered and how to get started.

Have special perks

All travel credit cards usually offer great perks. Most of them will give you special loyalty status and other extra perks. Pick a card without foreign transaction fees, free checked baggage, free nights, priority boarding, and much more. Some cards also offer complimentary airport transfers if your airfare is paid for using the card. Don’t concentrate only on getting miles; look at what else comes with the card that will make your life easier.

It is now safe to say that the best travel cards should combine elements of all of the above.


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