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Traveling can be expensive, and if you’re not careful, you can end up spending a lot more than you budgeted for. One way to save money on your travels is by using a travel credit card. But with so many options out there, it can be overwhelming to choose the right one. In this guide, we’ll go over some of the best beginner travel credit cards to help you get started on your travel hacking journey.
What are travel credit cards?
Travel credit cards are credit cards that offer rewards and benefits specifically geared towards travel. These rewards can include things like points that can be redeemed for flights or hotel stays, cash back on travel purchases, and travel insurance.
When choosing a travel credit card, it’s important to look at the rewards and benefits offered, as well as any fees associated with the card. Some travel credit cards come with annual fees, while others do not.
Best beginner travel credit cards
Here are some of the best beginner travel credit cards to consider:
Chase Sapphire Preferred
The Chase Sapphire Preferred is a popular travel credit card for beginners. It offers a sign-up bonus of 60,000 points after you spend $4,000 in the first three months, which is worth $750 in travel when redeemed through the Chase Ultimate Rewards portal. The card also offers 2x points on travel and dining purchases and 1x point on all other purchases.
The annual fee for the Chase Sapphire Preferred is $95, but it’s waived for the first year.
Citi Premier Card
The Citi Premier Card is another great travel credit card for beginners. It offers a sign-up bonus of 60,000 points after you spend $4,000 in the first three months, which is worth $750 in airfare when redeemed through the ThankYou travel portal. The card also offers 3x points on travel and gas purchases, 2x points on dining and entertainment purchases, and 1x point on all other purchases.
The annual fee for the Citi Premier Card is $95.
Tips for using travel credit cards
Here are some tips for using travel credit cards:
Pay off your balance in full each month
One of the most important things to keep in mind when using a travel credit card is to pay off your balance in full each month. This will help you avoid interest charges and keep your credit score in good standing.
Maximize your rewards
To get the most out of your travel credit card, make sure you’re maximizing your rewards. This means using your card for all travel-related purchases and taking advantage of any bonus categories or sign-up bonuses.
Keep track of your rewards
It’s important to keep track of your rewards so you know how many points or miles you have and when they expire. Make sure to check your account regularly and redeem your rewards before they expire.
Conclusion
Travel credit cards can be a great way to save money on your travels and earn rewards at the same time. As a beginner, it’s important to choose a card that’s right for you and to use it responsibly. By following these tips and guidelines, you can start earning rewards and enjoying all the perks that come with a travel credit card.
| Question | Answer |
|---|---|
| What are travel credit cards? | Travel credit cards are credit cards that offer rewards and benefits specifically geared towards travel. |
| What should I look for in a travel credit card? | When choosing a travel credit card, it’s important to look at the rewards and benefits offered, as well as any fees associated with the card. |
| What are some of the best beginner travel credit cards? | Some of the best beginner travel credit cards include the Chase Sapphire Preferred and the Citi Premier Card. |
| How can I maximize my rewards? | To maximize your rewards, make sure you’re using your card for all travel-related purchases and taking advantage of any bonus categories or sign-up bonuses. |