Saturday, May 9, 2009

Choosing the Right Credit Card to Travel With on Holiday

By Matthew Kepnes

Frequent travelers need a card that will get them the most rewards possible. There are several types of credit cards for travelers. Chances are you probably have a credit card or seven right now. They are better than cash, especially when you can get so many rewards and freebies out of them. Travel credit cards provide a great opportunity to earn free points that can be redeemed for airfare, hotels or cold hard cash. But not all cards are created equally.

No matter what credit card you get, whether it is a hotel, airline, or general rewards cards, the card should offer all of the following things: First, you should get a huge sign bonus. Most travel credit cards offer joining bonuses of 20,000 or more rewards/miles/points. Don't join one that doesn't offer you anything or it will take a long time to exchange rewards for hotels, cash, or airfare.

Furthermore, make sure you pick a travel credit card where you have the opportunity to earn extra points. Most of the time you just get one point for every dollar spent. However, the good credit cards give you extra points when you shop at special retailers or, if it is a brand card, with that one brand. This way you get points quicker.

No matter what you choose, remember that your card should work for you. Do your research first and then choose the right travel card so you can start earning points now and flying and traveling sooner. Make sure you look on the web for all the right information and reward structures. You don't want to be blinded sided by some black out date.

So which card should you get? A hotel card? A general points card? An airline card? To answer that question, think about how you travel. Are you loyal to one airline? If so, you should get a premium rewards card for one airline. You will accrue miles quicker as well as elite qualifying miles that will get you access to lounges and upgrades. Not only that, you specialty status will transfer over to other airlines.

If you are on the road for business a lot, then getting a hotel card, like the Starwood card, would be perfect for you. You would get a lot of hotel points, free nights stays, discounts at other retailers, and you could also transfer those points to airlines for free flights. - 23802

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