{"id":5880,"date":"2023-11-17T03:32:39","date_gmt":"2023-11-17T03:32:39","guid":{"rendered":"https:\/\/mer.tours\/pros-and-cons-of-travel-credit-cards\/"},"modified":"2023-11-17T03:32:39","modified_gmt":"2023-11-17T03:32:39","slug":"pros-and-cons-of-travel-credit-cards","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/pros-and-cons-of-travel-credit-cards\/","title":{"rendered":"Pros and cons of travel credit cards"},"content":{"rendered":"<p><\/p>\n<div>\n<p>If you&#8217;re new to the world of credit cards and\/or travel rewards, you might be wondering if a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">travel credit card<\/a> makes sense for you.<\/p>\n<p>If you travel frequently or even semiregularly, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-premium-travel-rewards-cards\/\" rel=\"noopener\" target=\"_blank\">travel credit cards<\/a> are some of the most rewarding cards on the market. With plenty of perks and earning categories \u2014 to go along with their sometimes very high annual fees \u2014 travel cards can provide plenty of value if used correctly.<\/p>\n<p>Here are some of the upsides and downsides of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-starter-travel-rewards-cards\/\" rel=\"noopener\" target=\"_blank\">travel credit cards<\/a> so you can figure out if it&#8217;s the right card type for you.<\/p>\n<p><a id=\"pros-of-travel-credit-cards\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Pros of travel credit cards<\/h2>\n<h3>Travel perks and benefits<\/h3>\n<p>Premium and even mid-tier travel credit cards often come with lavish perks that <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-travel-purchases\/\" rel=\"noopener\" target=\"_blank\">pretty much anyone<\/a> can take advantage of when they&#8217;re on the go.<\/p>\n<p>Common benefits include annual credits for general travel, services like <a href=\"https:\/\/thepointsguy.com\/credit-cards\/global-entry\/\" rel=\"noopener\" target=\"_blank\">Global Entry and TSA PreCheck<\/a>, elite status with a given <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airline\/\" rel=\"noopener\" target=\"_blank\">airline<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" rel=\"noopener\" target=\"_blank\">hotel<\/a>, access to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-priority-pass-lounge-access\/\" rel=\"noopener\" target=\"_blank\">airport lounges<\/a>, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airlines\/credit-cards-with-free-checked-baggage\/\" rel=\"noopener\" target=\"_blank\">free checked bags<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/which-airline-credit-cards-offer-the-best-priority-boarding-perks\/\" rel=\"noopener\" target=\"_blank\">priority boarding<\/a>.<\/p>\n<p>Most of these perks are conferred automatically on cardholders, meaning it won&#8217;t take much effort on your part to take advantage.<\/p>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/08\/Man-paying-with-credit-card-at-restaurant_Westend61.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">WESTEND61\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Travel-based rewards bonuses<\/h3>\n<p>If you spend a lot on travel, you&#8217;ll also enjoy many cards&#8217; travel-focused rewards categories, which offer extra points or miles when you spend with an airline or hotel or use a card issuer&#8217;s travel portal.<\/p>\n<p>For example, the popular <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Sapphire Preferred<\/a><\/span> offers 5 points per dollar on travel booked through the Chase travel portal, 5 points per dollar on Lyft purchases (through March 2025) and 2 points per dollar on all travel not booked through the Chase travel portal.<\/p>\n<p>If you&#8217;re loyal to a particular airline or hotel brand, consider applying for one of its <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-elite-status\/\" rel=\"noopener\" target=\"_blank\">cobranded cards<\/a>, like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/southwest-rapid-rewards-plus-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Southwest Rapid Rewards Plus Credit Card<\/a><\/span> or the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/marriott-bonvoy-bold-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Marriott Bonvoy Bold Credit Card<\/a><\/span>, to enjoy all the perks and rewards bonuses of that program.<\/p>\n<div class=\"&#10;        EmailSignUp_container__70lh2&#10;        undefined&#10;        EmailSignUp_isLoading__zGkU5&#10;      \"><picture class=\"EmailSignUp_graphic__AEA5s\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__cnneL\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<h3>Flexible rewards<\/h3>\n<p>Many travel cards offer the ability to redeem your points or miles across various hotel and airline transfer partners, leading to even more valuable <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cash-back-vs-points-and-miles\/\" rel=\"noopener\" target=\"_blank\">redemption opportunities<\/a>.<\/p>\n<p>To do this, most card issuers have their own dedicated travel portals so users can find the best way to utilize their rewards. Some even offer the chance to earn additional points or miles on trips booked through the portal, as mentioned above.<\/p>\n<p>For example, eligible Chase cardholders can get more than 1.25 cents per point in value by transferring rewards to the issuer&#8217;s 14 different <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">airline and hotel partners<\/a>. Some of the best Chase transfer partners include United Airlines MileagePlus, World of Hyatt and Singapore Airlines KrisFlyer.<\/p>\n<h3>Valuable welcome bonuses<\/h3>\n<p>Lastly, premium travel cards often come with hefty welcome bonuses, which, if obtained, can justify the card&#8217;s <a href=\"https:\/\/thepointsguy.com\/guide\/premium-travel-rewards-cards-worth-high-fee\/\" rel=\"noopener\" target=\"_blank\">annual fee<\/a> multiple times over.<\/p>\n<p>Most cards come with a spending threshold that you have to hit within the first three to six months of card membership, so pay attention to that number to see if it&#8217;s a reasonable spending requirement for you. If a card has a <a href=\"https:\/\/thepointsguy.com\/guide\/limited-time-card-offers\/\" rel=\"noopener\" target=\"_blank\">special or elevated welcome offer<\/a> when applying, even better.<\/p>\n<p><a id=\"cons-of-travel-credit-cards\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Cons of travel credit cards<\/h2>\n<h3>Credit score requirements<\/h3>\n<p>While conferring plenty of valuable benefits, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/what-is-the-perfect-number-of-credit-cards-to-have\/\" rel=\"noopener\" target=\"_blank\">travel credit cards<\/a> usually have stringent credit score requirements, making it difficult to apply for some.<\/p>\n<p>Most travel cards will require a &#8220;good&#8221; to &#8220;excellent&#8221; credit score of 670 or higher, with the most premium cards having an even higher requirement. If you&#8217;re not in that range, consider <a href=\"https:\/\/thepointsguy.com\/credit-cards\/boost-credit-score-in-30-days\/\" rel=\"noopener\" target=\"_blank\">improving your credit score<\/a> before getting denied and hurting your score further with a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\" rel=\"noopener\" target=\"_blank\">hard inquiry<\/a>.<\/p>\n<h3>High annual fees<\/h3>\n<p>Travel credit cards can also come with a bit of sticker shock: high annual fees, with the most lavish cards having price tags upward of $500.<\/p>\n<p>While these annual fees typically justify themselves if you take full advantage of the card&#8217;s benefits, that can be hard to do if you aren&#8217;t traveling frequently or laser-focused on maximizing value. Consider starting small with a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/no-annual-fee\/\" rel=\"noopener\" target=\"_blank\">no-annual-fee<\/a> or low-annual-fee card and going from there.<\/p>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Woman-in-cafe-using-credit-card-while-on-laptop_Nastasic.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">NASTASIC\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>High APRs<\/h3>\n<p>Travel credit cards also typically come with high <a href=\"https:\/\/thepointsguy.com\/credit-cards\/what-is-apr-on-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">annual percentage rates<\/a>, which is the amount of interest you&#8217;ll pay on your debt if you don&#8217;t pay promptly.<\/p>\n<p>Of course, this can be avoided entirely if you pay your card off in full each month, one of TPG&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ten-credit-card-commandments\/\" rel=\"noopener\" target=\"_blank\">10 commandments of rewards credit cards<\/a>. But it&#8217;s still a consideration if you can&#8217;t do so.<\/p>\n<h3>Difficult to maximize value<\/h3>\n<p>It might also be hard for some to get the maximum value from their travel credit cards if they aren&#8217;t constantly on the go or looking to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ideal-time-apply-new-card-holiday-travel\/\" rel=\"noopener\" target=\"_blank\">fund a big upcoming trip<\/a>.<\/p>\n<p>Unsurprisingly, the best way to take advantage of your travel rewards is to put them toward travel. If you instead redeem rewards for cash back or statement credits, you likely won&#8217;t get the full value. Moreover, many hotels and airlines are constantly revamping their rewards programs, meaning the value of your points and miles themselves can fluctuate.<\/p>\n<p>For help maximizing value, keep an eye on TPG resources like our <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">evaluations of what points and miles are worth<\/a> and our guides on getting the most out of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-choose-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">your next credit card<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-vacation-travel\/\" rel=\"noopener\" target=\"_blank\">vacation<\/a> stay.<\/p>\n<p><a id=\"should-you-get-a-travel-credit-card\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Should you get a travel credit card?<\/h2>\n<p>If you have the required credit score and can justify the annual fee, you&#8217;ll almost definitely be able to squeeze value out of a travel rewards credit card. Remember that <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-welcome-offers\/\" rel=\"noopener\" target=\"_blank\">welcome offers on cards<\/a>, to say nothing of benefits and rewards programs, always change. If you have your eye on a card that you think might fit you, apply at a good time to get the most bang for your buck and cash in on a great welcome offer.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Bottom line<\/h2>\n<p>Choosing the right travel credit card can help get you over a financial hump and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-international-travel\/\" rel=\"noopener\" target=\"_blank\">fund your next big trip<\/a>, or it can just put a little extra money in your pocket each month. How you use it \u2014 and how much value you derive from it \u2014 is highly dependent on your lifestyle and what makes the most sense for you and your wallet at the time.<\/p>\n<p>For more resources and advice, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/beginners-guide-credit-cards\/\" rel=\"noopener\" target=\"_blank\">beginners guide to credit cards<\/a>.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re new to the world of credit cards and\/or travel rewards, you might be wondering if a travel credit card makes sense for you. If you travel frequently or even semiregularly, travel credit cards are some of the most rewarding cards on the market. With plenty of perks and earning categories \u2014 to go 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