How Travel Junkies Can Choose The Best Credit Card

Not all credit cards are created equal. For every possible type of consumer out there, there is a certain type of card specifically tailored for them. For people who enjoy hopping to planes and chasing new horizons, there are types of credit cards created just for them. However, there are several cards designed for travel junkies, and it may be a bit daunting to pick among these credit cards. How to choose the best travel credit card for you? Here are a few points you might want to heed.

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Up in the sky

If you are pining for a travel credit card, the very first thing you have to consider is the frequency you are up above the clouds. Depending on the number of times you board a plane, you might want to apply for a travel credit card that will give you the best rewards depending on your flight frequency. For instance, there are credit cards there that allow you to rack up huge frequent flyer points but at the cost of huge annual fees and interest rates. If you board the plane more than the average person does, then you might want to turn those into rewards points that will come in handy later.

Your personal carrier

Just like a go-to restaurant or a secret place to have some good coffee, people who frequently fly more often than not have their preferred airline carrier. If this is the case, then you may want to look for airline-specific travel credit cards. What’s the difference between airline-specific credit cards with normal travel credit cards? With airline co-branded credit cards, you can earn more points with almost any purchase using that credit card since you can only use them to purchase tickets from a single airline company. Meanwhile, other travel credit cards allow you to purchase tickets using the said points on almost all carriers, but the points accrued for every purchase are lower. If you have a preferred airline and you are thinking of sticking with it until quite some time, opt for airline co-branded credit cards.

Consider getting top-tier cards too

Some top-tier credit cards, especially the ones bearing fancy names such as gold and platinum, actually offer some of the best travel perks and other freebies to cardholders. Among the perks included are the following: highest point-per-Peso reward, free airport lounge access, free concierge services, free travel insurance, and so much more. However, you have to keep in mind that the requirements for gold and platinum credit cards are much steeper as compared to lower level credit cards. To apply for these cards, you must have a sizable annual salary, since these cards are only open to people who earn bigger than most people. Before you mull on applying for platinum credit cards, make sure that you will meet all the requirements first.

Read: (Enjoy Your Credit Cards To The Max By Considering The Following Credit Card Types)

Annual fees matter, too

Before you get swayed by the features of travel credit cards, make sure to check one of the most basic credit card features first. Let’s be honest: no cardholder wants to pay annual fees, and if people can waive the annual fees, they will definitely waive it. If you are thinking of getting a travel credit card and you see that the card is loaded with benefits that can outweigh the card’s annual fee, then, by all means, go for it. Just make sure that the perks of the travel credit card are worth the annual fee.

When looking for a travel credit card, make sure to look for the best credit card that will allow you both to enjoy luxuries as a traveler and as a credit cardholder. Strike a balance between the two and you will definitely enjoy both worlds.