Travel credit cards are credit cards that are specially geared toward specific types of travel expenses. The most common ones are cards associated with airfare, hotels, rental cars and cruises. There’s also a variety of co-branded credit cards that combine one kind of travel expense with another—premium hotel chains with airline travel or rental car companies with cruise lines, for example.
In this article we’ll be looking at the best travel credit cards for boarding, and give you all the details about how they work and how to choose the right one for your travel needs.
To begin our discussion of the best travel credit cards for boarding, let’s take a moment to look at what makes a good travel credit card in the first place. Having a great travel credit card involves more than just having no interest on your purchases for a year—you want to know you’ll pay back your money every month. So what should you look at in a travel credit card?
The first thing is to check the APR. The APR—which stands for Annual Percentage Rate—is probably the most important number in any credit card. It’s usually 10 or 15 percent, and your credit limit is how much you can spend with it each month. The great thing about travel cards is that they usually have low APRs, like 3 percent or less. The lower your APR, the better.
The next thing is to look at what kinds of purchases you can make with the card. Lots of travel credit cards today are geared toward people who travel a lot and spend a lot on airfare, hotels and rental cars. There are two kinds of cards: co-branded ones, which are associated with a particular airline or hotel chain, and “general use” ones that allow you to choose any airline or hotel you want.
Co-branded cards are generally better than general use ones since they generally have lower APRs and benefits such as free airline tickets and more. They can also include other nice benefits such as free upgrades and early boarding. Most travel credit cards are co-branded, but there are a few general use cards that offer very good benefits for the money, including cheaper airfare for general use.