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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Save on Travel with Credit Cards

[March 27th, 2019]

Once you realize you are an inveterate traveler or are just thinking about becoming one, without a doubt you should also start thinking about getting a travel credit card. Travel credit cards can become a good investment, especially if they have lower or 0% rates and a large number of useful bonuses.

Which Travel Card to Choose

First of all, you should understand that there are two travel cards types: airline-branded credit cards and bank-sponsored credit cards.

On the one hand, airline-branded cards have a lot of restrictions and are more suitable for those who mostly fly with one particular airline (and very frequently). On the other hand, these cards include bigger rewards and bonuses like car insurance or priority boarding. However, the biggest rewards are set for buying that specific airline tickets while other purchases may bring too little. In addition, such credit cards sometimes fix a really huge annual fee for all the benefits.

General travel credit cards are more flexible and fit those who are used to travel with different airlines and are not eager to buy tickets in advance. As a rule, these credit cards allow you to earn miles or points on each purchase. Then you can redeem them for any travel purchase and often with no blackout dates set, which means you may fly any airline to any destination and stay at any hotel. Moreover, bank-sponsored credit cards frequently have very tempting introductory offers.

Save Before the Travel

Considering all mentioned above, when choosing a travel credit card, in order not only to save your money but to benefit you should primarily pay attention to some important things:

  • How to earn rewards. Compare different cards and decide where you are going to spend more money not only during your trips but at home as well. After all, you are somehow going to accumulate rewards before redeeming them for traveling.
  • How to redeem miles or points. Note that airline credit card’s miles can be used only for flights of the airline which name is on the card and, perhaps, for traveling with its partners.
  • APRs and fees. First, pay attention to the annual fee. Bank-sponsored credit cards may waive it for the first year or not charge this fee at all. Second, note the APR for purchases. There may be intro rates for some period as well.
  • Intro offers. Both, airlines and banks can make excellent sign-up bonuses that are hard to resist, g. matching of all earned for the first year miles or 70,000 extra miles after spending $5,000 on purchases in the first 3 months.

Save During the Travel

After you have dealt with the major travel credit cards features that will help you save even before the start of the trip, you can proceed with the perks that will save you money during the travel:

  • Foreign transaction fee. Apart from the annual fee and APR for purchases there is one more important fee. Try to find a card with 0% foreign transaction fee as it will save you a lot of money when paying abroad, as well as paying in foreign currency.
  • Trip cancellation insurance. Things not always go according to your plan. In such cases, credit cards offering travel insurance certainly won’t be unwanted.
  • Free checked bags. When checking baggage with your travel card, you may find out that these fees are waived not only for you but sometimes even for your relatives and friends flying with you.
  • Access to airport VIP lounges. Have you ever been to airport VIP rest rooms with comfortable chairs, free food, drinks and entertainment? This is usually a rather expensive pleasure. However, your card may make it possible for you to enjoy all these good things for free.
  • Priority boarding. You will certainly agree that boarding without huge queues of other passengers, is rather pleasant, especially when you have a lot of luggage. So, you had better know whether your credit card provides such an option.
  • Discount for food and drinks in the air. Do you know there is a way to save up to 50% on in-flight meals? Yes, some travel credit cards cover these costs too.
  • Free hotel From time to time cardholders can receive offers with a worthwhile discount on hotel rooms. Thus, you can significantly cut your expenses or choose a hotel of a higher level.
  • Cash back on gas. In case you sometimes are ready to give a seat in the plane to someone else and go traveling by car, make sure you find out in advance whether your card presupposes rewards for gas purchases. Generally, there is a 3% to 5% cash back.
  • Rental car insurance. Even if you are going to leave your car at home and rent another one, some cards will help you get away from insurance expenses.

Get the Right Credit Card

Of course, it is up to you to choose the travel credit card that will bring you more benefits. But first, analyze all the advantages and disadvantages, the pros and cons and only after that come to a decision. Remember it’s not just about miles, it’s about what else can make your trip cheaper and more comfortable!

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