Travel credit cards

There are many different travel cards available, so it is essential to know how they differ and whether they work for you and your travel style.  Here are my five takes on travel credit cards and why you may consider using them.

1.Travel cards usually earn points or miles every time you use them.  Therefore, it means that even though you are not traveling, your simple everyday purchases could be working on getting you to your next travel destination. Some cards even offer double points for using the card at certain establishments or even during specific periods. These points can then convert to discounted hotel stays, airfare, and seat upgrades, to name a few.

2. If travel perks are one of the main reasons you choose a travel card, then it’s essential to read the fine print and understand how you can earn rewards with the card and redeem the rewards. If the card you chose only accrues perks on travel-related spending and you are not a frequent traveler, then consider another card. A card that allows you to earn points on everyday expenditures might work better for saving towards a trip.

3. If you travel consistently on a specific airline, then a specific airline-branded travel card might be worthwhile. Usual perks might include a free checked bag, priority check-in and boarding, a seat upgrade, and the ability to earn elite status with the airline. You are also allowed some perks when using airlines associated with the airline-specific card, such as lounge access.

4. It’s imperative that you join the airline loyalty program and have your travel card linked to that account. As a rule, you should join the frequent flyer program of every airline you fly on as it’s free, and sometimes extra points are given just for signing up.  Also, note that you usually have to join within 24 hours of travel to get credit for the flight taken.

5. Many non-airline branded credit cards have travel perks attached. However, travelers should research what card best suits them and their needs.  Some cards advertise lounge access, but only if you are traveling first-class or internationally. Others allow access but only to the cardholder and one guest. While some only allow lounge access during a specific time before or after a flight. If you happen to be traveling with a family or stuck at the airport for an extended time, having a travel card with perks you can’t use can be frustrating.

Overall, I strongly believe in frequent flyer programs, branded and non-branded travel cards.  As a person who travels often, I choose my travel itinerary based on what best works for me and what card I hold. How about you? I’d love to hear your thoughts.