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If you’re a frequent traveler, you know how important it is to have a reliable and convenient credit card that you can use anywhere in the world. Fortunately, credit unions offer travel cards that are specifically designed to meet your needs. In this guide, we’ll take a closer look at credit union travel cards and how they can help you save money and enjoy your travels to the fullest.
What is a credit union travel card?
A credit union travel card is a credit card offered by a credit union that is specifically designed for travelers. Unlike regular credit cards, travel cards offer unique benefits such as no foreign transaction fees, travel rewards, and travel insurance. Travel cards also come with a higher credit limit, allowing you to spend more while you’re on the road.
What are the benefits of a credit union travel card?
There are many benefits to using a credit union travel card, including:
- No foreign transaction fees: Many credit cards charge a foreign transaction fee when you use them outside of the country. With a credit union travel card, you won’t have to worry about these fees.
- Travel rewards: Many travel cards offer rewards such as airline miles, hotel points, and cashback when you use them to make travel purchases.
- Travel insurance: Credit union travel cards often come with travel insurance that can cover you in case of lost luggage, trip cancellation, or other travel-related issues.
- Higher credit limit: Travel cards often come with a higher credit limit, allowing you to spend more while you’re on the road.
How do I apply for a credit union travel card?
The process for applying for a credit union travel card will vary depending on the credit union you are working with. However, in general, you can expect to fill out an application online or in person, provide proof of income and identity, and wait for approval. If you have good credit, you should be able to get approved for a travel card without any issues.
What should I look for in a credit union travel card?
When choosing a credit union travel card, there are several factors to consider:
- Rewards program: Look for a travel card that offers rewards that match your travel needs.
- No foreign transaction fees: Make sure the travel card you choose doesn’t charge foreign transaction fees.
- Travel insurance: Look for a travel card that offers travel insurance that covers your needs.
- EMV chip: Look for a travel card that offers an EMV chip, which is a more secure form of credit card technology.
Conclusion
If you’re a frequent traveler, a credit union travel card can be an essential tool for saving money and enjoying your travels. By choosing a travel card that offers rewards, no foreign transaction fees, travel insurance, and an EMV chip, you can rest easy knowing that you’re getting the best possible deal for your travels. Don’t hesitate to apply for a travel card today and start exploring the world!