By John Morris
Tightly secured in an individuals cardholder or wallet, credit
cards seem to have replaced cash whenever it comes to
With credit cards, people will never have to worry carrying
amount of money whenever they go shopping. Convenience is the
name of the game. With credit cards, it is a total cashless
Consequently, the growth of credit cards has extensively
reached the financial world. Before, credit cards were
considered as alternatives to cash, but with the easiness of
using these items, they have become the much- needed
Much of the progress can be attributed to freebies, rewards,
and other incentive enticing people to get credit cards. No
wonder why almost everybody has credit cards. In fact, surveys
show that nearly 80% of the Americans have at least one credit
Among the many marketing tools that credit card companies use,
rewards are considered the best. Credit card rewards bring a
particular credit card above the others. Rewards are
as one of the best solutions to make a particular credit card
stand out from the rest.
One of the common rewards credit card companies provide is the
travel reward. There are many kinds of travel rewards;
they are mostly focused on “air travels.”
Travel rewards are usually accumulated by earning miles or
points based on the acquisitions that credit card holders make
with their plastics.
Travel rewards may differ from one another. There are travel
rewards that offer complimentary airline tickets, while others
provide markdown prices on “air travel.” For people who do not
need these kinds of travel rewards, other options are
such as hotel price cuts or money off on car rental rates.
One of the best things about travel rewards is that you can
earn something by merely using your credit card. Hence, people
are encouraged to use their credit cards as often as they can
to get travel rewards.
Today, there are many kinds of travel rewards as there are
credit cards. This makes choices more difficult to bear. With
many options, sometimes it is so hard to choose the right
reward for you.
So to get you started, here are some pointers that can help
choose the best travel reward credit card for you. It is
imperative that you consider these things when deciding on a
particular travel reward credit card.
1. A good program
To benefit from travel rewards, it is very important that you
look for a good program. A good program should consist of
higher amount of rewards, reliable system, or reasonable
limits. These benefits will let you maximize your travel
2. Reasonable interest charges
It is a well- known fact that most travel reward credit cards
have higher interest rates as compared to those credit cards
without incentives. This is fairly acceptable considering the
fact that the credit card company is providing you with lots
Of course, it is very important to take note of the interest
rates because there are some credit card companies that take
advantage of this privilege. Hence, it is better to take note
of your travel reward credit cards interest rates. So if you
are not at ease with higher interest rates, then, it is best
not to get a travel reward credit card.
But then again, keep in mind that interest rates only apply
when you do not pay your bills on time. Besides, you will not
even enjoy your travel rewards if you fail to pay your bills
time as well.
3. The kind of travel rewards you can get
Of course, not all travel reward credit cards offer the same
incentives. Each travel reward credit card is different.
Incentives may range from free airline tickets to freebies in
Therefore, before you try to apply for a travel reward credit
card, it is best to evaluate the rewards you will be getting.
It is best to apply for cards that can give you the travel
reward that can best work for you.
4. Good points accumulation system
Since travel reward credit cards work on points- based system
or through miles, it is best to choose a credit card that can
give you a clear method of accumulating miles or points.
Be sure that your travel reward credit card can give you the
appropriate points or miles for every dollar you spend. In
way, you can be sure that the money you spend will provide you
something good in return. Conversion rates will differ from
card to another, so it is best to see how your purchases can
give you the incentives that you deserve.
5. Expiry date
There are some travel reward credit cards that have expiration
dates. This refers to the required number of days that you
to make purchases. If in case you fail to purchase anything
within that date, you will not be able to get the incentives
even if you have been diligent enough to pay your balances.
Indeed, travel reward credit cards can offer you a whole lot
surprises. Think of it as an early gift from Santa. If you are
nice enough to pay your bills on time, you will surely reap
many travel rewards, extremely more than you can imagine.
About The Author: For more great travel reward related
and resources check out 123rewards.info