cash-back credit card<\/a> may be a better choice.\u00a0<\/p>\nAlso, most of the top travel credit cards charge an annual fee. While many of them make it easy to offset that cost with rewards and perks, the fee is still an out-of-pocket cost. If you\u2019re on a tight budget or you\u2019re generally fee-averse, think carefully about whether you can afford that yearly cost and make sure you can get enough value from a card to make its annual fee worthwhile.<\/p>\n
How to choose the best travel credit card<\/h2>\n
With so many different options available, there\u2019s no single travel credit card that\u2019s best suited for all travelers. To determine which one is best for you, you\u2019ll want to think about your travel habits, spending profile, and general preferences.<\/p>\n
Travel habits<\/h3>\n
Consumers who travel frequently may benefit more from a premium travel card that offers a broad range of perks, while more casual travelers may be better off with a mid-tier or no-annual-fee travel card.\u00a0<\/p>\n
If you\u2019re loyal to a specific airline or hotel chain, it could make sense to get an airline or hotel credit card, but if you don\u2019t want to be tied down to a single brand, a general travel card might be the right move.<\/p>\n
You\u2019ll also want to think about how you travel and which travel card benefits would give you the best experience. For example, if your home airport has one or more airport lounges, it can make sense to get a card that offers lounge access.\u00a0<\/p>\n
Spending profile<\/h3>\n
Most travel credit cards offer tiered rewards, meaning you\u2019ll earn bonus rewards on certain spending categories. If you spend a lot in certain areas of your budget, try to find a card that will reward you more for those purchases.\u00a0<\/p>\n
However, if you don\u2019t spend a lot in any single category or you don\u2019t want to earn a low rewards rate on most of your spending, consider a card that offers a high, flat rewards rate on everything.<\/p>\n
General preferences<\/h3>\n
Consider other features you\u2019re looking for in a travel credit card. Options may include transfer partners, straightforward benefits, redemption options, 0% APR promotions, and more.\u00a0<\/p>\n
As you research and compare travel credit cards, familiarize yourself with all of their benefits to determine which one feels like the best fit based on your needs and preferences.<\/p>\n
Frequently asked questions<\/h2>\nWhich card is better for international travel?<\/h3>\n
Generally speaking, you\u2019ll want a credit card that doesn\u2019t charge a foreign transaction fee. With cards that do charge this fee, you\u2019ll typically pay an extra 3% on all of your purchases made abroad.<\/p>\n
Additionally, Visa and Mastercard credit cards tend to be better for international travel because they\u2019re more widely accepted than American Express and Discover credit cards. If you have an Amex or Discover card, consider bringing a Visa or Mastercard as a backup.<\/p>\n
Is Visa or Mastercard better for travel?<\/h3>\n
Mastercard boasts acceptance in more than 210 countries, while Visa says it operates in more than 200 countries. So, if you\u2019re traveling to a country that\u2019s off the beaten path, so to speak, Mastercard may be a better choice. But for most major international destinations, you\u2019re likely fine with either Visa or Mastercard.<\/p>\n
What is the best credit card to accumulate travel miles?<\/h3>\n
Miles have historically been associated with airline frequent flyer programs, but some card issuers, including Capital One and Discover, use the miles nomenclature for their rewards currency.\u00a0<\/p>\n
With that said, the best miles credit card for you depends on your travel habits and preferences. If you want to earn miles with a particular airline, check out that airline\u2019s co-branded credit cards to see which one offers the best fit. If you want more general rewards, consider a card that offers miles or points with more flexible redemption options.<\/p>\n
\nPlease note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.<\/em><\/p>\nTerms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.<\/em><\/p>\nEligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com\/benefitsguide for more details. Underwritten by Amex Assurance Company.<\/em><\/p>\nFortune Recommends\u2122 has partnered with CardRatings for our coverage of credit card products. Fortune Recommends\u2122 and CardRatings may receive a commission from card issuers.<\/em>\u00a0<\/p>\n<\/div>\n[ad_2]
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