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Understanding credit cards that offer travel rewards

There are dozens of benefits that come along when you purchase a credit card, and it is hard to determine which is right for you. One such feature of a credit card is the travel reward points. Credit cards with travel rewards offer an excellent opportunity to earn free points that can be redeemed for airfares, to stay in a hotel or as cold hard cash. Every credit card with travel rewards has something different to offer. And one primary specification that you should look for is a massive sign-up bonus. Before choosing your credit card with travel, rewards make sure you want to travel if not then you are not going to get the maximum benefit out of it. The best kind of credit card providers offer bonuses from 50,000 miles and even more significant, the moderate ones provides a minimum of 25,000. However, there are numerous reasons to opt for the lower mileage bonus.

How to compare credit cards with travel rewards:

Researching on the best credit card can be broken down into several basic categories. Once you figure out what you need, analyzing your travel credit card is no more difficult. Firstly, don’t let yourself get carried away by the eye-popping advertisements and alluring promos. Here is a list of essential categories you need to compare rating travel credit card.

Rewards:

The first thing that every customer should look for is the best reward rates. Because when you are looking forward to purchasing a travel credit card, you are prioritizing rewards. Rewards fetch you free stuff; this is a stimulating factor to use a credit card. It’s or very difficult to find a credit card that throws mind-blowing rewards and add-ons. However, it is demanding to find the right credit card that yields you a static return rate throughout the account holding period. Every credit card provider offers different points or miles per dollar, for satisfactory comparison begin with converting the return rates into a percentage. Remember that anything that you receive below 1% base rate is not worth your time.

Sign-up bonus:

The second relevant category is the signup bonus. Most of the credit card with travel rewards providers offer tantalizing signup bonus to reap more customers. They offer a bonus that could be worth anywhere between $100 to $500. Bonuses are credited as reward points which could be redeemed for future purposes, so it is necessary to find out the monetary value of the points collected. If a travel card does not charge an annual fee, they offer a $100 bonus and cards with yearly fee may pay off more points.

Foreign transaction fee:

Most of the people who travel internationally hold a travel credit card. To get one you need to check the foreign transaction fees. This information can be easily tracked down in the card’s terms and conditions. Generally, these credit cards charge 3% or relinquish the fee altogether. Therefore, you may pay 3% on every overseas trip, that would cost you much. So, it’s better to turn your focus on cards that waive foreign transaction fee.

Best credit card with travel rewards

The Chase Sapphire Preferred Card: It is one of the cards a frequent traveler should have in his pocket as they offer fantastic reward program, high reward rates, and best signup bonus. Using this card you can pay for flight tickets, travel purchases and dining directs to increased reward points as high as 2.5% which is remarkably higher than other cards. The very crucial feature of the card is that it belongs to the Ultimate Reward family of cards. There is no foreign transaction fee charged, but you need to pay off the annual fee of $95 from the second year of enrolment.
Bank of America Bank Americard Travel Reward Credit Cards: The bank of America Bank Americard Travel Credit Cards has no annual fee, and with no bonus category, it fetches you flat 1.5 points per dollar spent on every purchase. You will earn 20,000 bonus points when you spend $1,000 or more within the first 90 days of opening an account. These reward points can be redeemed for flights, travel and hotel expenses. It does not stop with that; the company offers many other benefits for security and convenience that includes zero-dollar liability guarantee for fraudulent transactions, they allow you with a temporary credit card number for online shopping and sends notifications on balances and due dates.
Barclaycard Arrival Plus World Elite MasterCard: Barclaycard Arrival Plus World Elite MasterCard is the best choice for frequent travelers. You can earn miles on all purchase and redeem it for travel purchases including flights, hotels, and cruises. As this card is exclusively for travelers, more benefits will be given when spending on travel purchases and can rack up more miles every time they redeem miles. Additionally, their features include no foreign transaction fees and no annual percentage rate for the first year.

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