Travel credit cards allow you to earn points or miles that you can redeem for travel purchases, as simple as that. Some offer a fixed rate of return on general investments, but others provide bonus rewards for travel purchases or categories of travel spending like dining, gas, or even groceries.

When redeeming your miles or points for travel, your redemption options will vary by card. Most travel credit cards stipulate that you can redeem points or miles only for travel purchases, while others allow you to save them for benefits such as cashback.

Benefits of travel credit cards

· Rewards designed for frequent travelers
· Exclusive benefits
· Attractive welcome bonuses

Frequent questions

How to choose a travel credit card?

If you spend a lot of time traveling or booking hotel stays, you can get plenty of rewards for free flights and nights with a credit card in this category; On the other hand, if you travel sporadically, look for cards that are less risky, such as cards with no annual fee or cards with easy-to-understand rewards such as those that give cash back.

What is the difference between points and miles?

The points are the most flexible of the two options since they can be exchanged for rewards on flights or hotel stays with various brands. They can also be exchanged for cash back, gift cards, or products.

On the other hand, miles generally refer to frequent flyer miles with a particular airline, such as Delta or United.

What credit score do I need to apply for?

Due to the higher rewards rates and the many benefits of these cards, you will need a good or excellent credit score. However, if you have fair credit, there are also options available that won't be labeled explicitly as travel cards but will give you rewards for your travels.

What is the actual value of points or miles?

This varies from card to card or issuer to issuer, but its real value ranges from 2 to 6 cents for each point or mile earned.

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Associated credit card categories