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A credit card is a card that is issued by a bank for the purpose of buying goods and services. Credit cards have been highly popular for the past few years due to the convenience factor. There are a number of credit cards in the market and hence, it is highly difficult to pick the ideal credit card for you. You can use a credit card to make any kind of purchase. There are also credit cards that are specifically designed for travel.


A travel credit card will give you great benefits such as sign-up bonus, spending bonus, free points that can be used for hotels and airfares, discounts, air miles, loyalty points, and cash back. You will also get access to lounges in airports, hotel rooms for free, upgrades with certain airline companies. If you are planning to get a travel credit card for yourself, you need to make sure you take certain aspects into consideration.


Choose a travel credit card after factoring in the following points:

  • Bonus for sign-up: Most travel credit cards offer bonuses for signing up. Check if the bonus amount is high. A travel credit card typically comes with at least 25,000 miles and some cards can give even 60,000 miles and more.

  • Minimum spend: In order to earn the above-mentioned sign-up bonuses, you need to make a minimum spend with your card within a certain period. However, remember to spend the minimum amount limit only if you have the money. Don’t meet the minimum spending limit just to earn the bonuses. If you are wondering how to spend the minimum amount, you just need to follow a simple step. Make it a point to buy all the goods that you are already buying with your credit card. All your monthly expenditures such as internet bills, telephone bills, groceries, etc. should be made with your new travel credit card. This will help you in earning several sign-up bonus points. Don’t make the mistake of applying for several credit cards; you may be tempted to meet the minimum spending limit for each of these cards and pay excessively within a small time frame.

  • Annual fees: Check if your credit card comes with an annual fee. Most credit cards will require you to pay annual fees. An annual fee is good as it will give you many advantages such as higher bonus miles, free checks for your baggage, free access to many airport lounges, and so on.

  • Additional incentives: Find out if your travel credit card gives additional incentives. Many travel credit cards will allow a cardholder to enjoy incredible incentives such as priority boarding, free rooms, reduction in foreign transaction fees, elite loyalty status, and lots more.

  • Fees for overseas transactions: You need to consider the overseas transaction fees charged on your travel credit card. Most cards impose additional charges when you purchase something in a foreign country with your travel credit card. Check the percentage of this fees charged by different card issuers and make your decision.


You need to keep in mind that you need to maintain a good credit score to get approved for great travel credit cards. It won’t do you any harm if you apply for several credit cards as your credit score will not get affected. Each time you apply for a new travel credit card, your credit score may drop slightly. However, if you maintain your credit efficiently, you will not have any trouble.


Consider all the points that we discussed above, and you will be able to choose the right travel credit according to your needs and preferences. Have a smooth and fun-filled expedition with your valuable travel credit card!