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Travel credit cards can unlock amazing perks like free flights, hotel stays, and VIP airport lounge access. With so many options available, it’s important to understand what you’re signing up for before you hit “apply.”
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Here are six essential things you need to know before applying for a new travel credit card.
1. Know your travel habits
Before choosing a travel credit card, consider how you travel. Are you loyal to largely one airline or hotel chain? Or do you prefer flexibility with your travel options? Some cards are cobranded with specific airlines or hotels, while others offer general travel points that can be redeemed across multiple airlines or hotels.
Pro tip: If you value flexibility, a general travel rewards card might be your best bet.
2. Understand annual fees
Many travel credit cards come with annual fees — some exceeding $500. While this may sound steep, premium cards often come with perks like travel credits, airport lounge access, free checked bags, and elite status at hotels and airlines.
If you don’t travel frequently, a travel card with a low or no annual fee is going to be a better fit.
3. Check the sign-up bonus requirements
Travel cards often lure new customers with attractive sign-up bonuses, but they usually come with spending requirements. For example, you might need to spend $4,000 in the first three months to earn the bonus.
Make sure the spending threshold aligns with your budget so you can earn the bonus without spending more than you ought to.
Pro tip: Time your credit card application with a big expense you’re already planning to make. That way you can earn the bonus with no problem.
4. Look for valuable travel perks
Premium travel credit cards often offer benefits like:
- Free checked bags
- Priority boarding
- Travel insurance
- Airport lounge access
If you’ll use these perks regularly, they can more than make up for a high annual fee.
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5. Review reward redemption options
Not all credit card points are created equal. Some travel rewards can be redeemed for flights, hotels, or rental cars, while others may limit you to specific travel partners.
Choose a card that offers flexible redemption options or transfers points to multiple travel partners for maximum value.
6. Check for travel insurance and protections
Many travel credit cards offer built-in protections such as:
- Trip cancellation insurance
- Lost luggage reimbursement
- Emergency evacuation coverage
These perks can save you money and stress in the event of unexpected travel disruptions.
What are you waiting for?
The right travel credit card can turn your everyday spending into unforgettable vacations. By understanding your travel habits, evaluating fees, and focusing on valuable perks, you can find a card that truly complements your lifestyle.
Ready to find the perfect travel credit card? Compare top travel cards now and start earning rewards for your next adventure.
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