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Travel credit cards for december 2022 in the United States

Apply for a travel credit card. On 03.12.2022 you have access to 3 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.

Offers: 3

Updated:
01.12.2022
17:51
Upgrade
Upgrade Triple Cash Rewards Visa® card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 to $25,000**
Rate
i

Effective interest rate on the product

8.99%-29.99%
Upgrade
Upgrade Cash Rewards Visa®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

$0.00
Upgrade
Upgrade Bitcoin Rewards Visa®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

8.99%-29.99%

Other credit cards offers

Arrowhead Advance
3.2
Olivia H
Olivia H
01.12.2022 at 06:07
My experience with getting a personal loan from this company was quite pleasant. The service was fast, no one asked about any collateral or my creditworthiness. Such things are always annoying...
Review
Spotloan
4.4
Noah J
Noah J
30.11.2022 at 20:45
Before taking out a loan, I compared Spotloan with other lenders and found out that their rates are the most acceptable. The mobile application works flawlessly. I quickly received approval...
Review
Spotloan
4.4
Isabella H
Isabella H
30.11.2022 at 20:40
At first, I liked everything in this company. I needed a payday loan and they offered a good alternative. Almost no documents are needed, it's true...
Review
Spotloan
3.8
Camila J
Camila J
30.11.2022 at 20:40
Spotloan is like a good old friend to me. I always try to make payments on time, so I usually have no problems with creditors. This company has simplified all possible procedures for obtaining a loan...
Review
Spotloan
3.6
Emma S
Emma S
30.11.2022 at 20:40
A very convenient application of the company. You can borrow small amounts starting from $3,000. In addition, the company operates in most states...
Review
Spotloan
4.6
Mateo J
Mateo J
30.11.2022 at 20:35
If you've never seen a company that can give you a maximum of $800, then this is just about it. But they respond to the application very quickly, they also quickly approve and transfer money to you...
Review
Travel credit cards for december 2022

With a credit card tailored to travelers, you may rack up points or miles for use on future trips. There is a diverse selection of styles and formats available for travelers' credit cards. The most important thing is to look for a credit card that specializes in travel and gives a rewards currency that you can actually use.

Most credit cards designed for travel offer annual hotel savings benefit benefits on certain categories of travel purchases each year. Bonus categories may also include non-travel purchases made in the first few months after an account is opened. This article helps you to make an informed decision on whether to get a travel credit card and which card is the best.

Why you need a travel credit card

A travel credit card's rewards can be a treasure trove for air travelers and those looking to cut costs on their vacations. With the right travel credit card, you may save money when you're away from home.

The excellent way to get the most out of your travel rewards credit card and be a preferred rewards member is to use all of its features, such as taking advantage of its rewards programs, offsetting its baggage fees, and avoiding interest charges. Selecting the best travel credit card for your needs is the first step toward earning free hotel stays and rental cars booked, first-class flights to far-flung destinations, and full-family vacation packages.

One benefit of using a travel credit card that is often overlooked is that you can earn frequent flyer miles when you buy certain airline tickets with the card. United Airlines, for instance, makes it easy to book the exact flight you want by giving cardholders access to additional reward inventory. Some of the annual fee may be worth it because many airline credit cards come with a free checked bag. Even with an annual fee, rewards on travel cards add up faster than those earned with cash back cards, making this a strong argument in favor of using a travel card.

Major types of travel credit cards

Hotel credit cards

Credit cards for hotels can be bought from card issuers, and they often have logos and words from hotel loyalty programs on them. Therefore, you can gain hotel loyalty points that can be exchanged for free hotel stays, room upgrades, and more. Those who frequently use prepaid fine hotels for business or pleasure may benefit from a card that grants them eligible equinox club memberships, provides free award nights, or grants a yearly credit against hotel stays. Both the Hilton Honors Card from American Express and the Marriott Bonvoy BrilliantTM American Express Card can be useful depending on where you typically booked a minimum two-night stay.

Airline credit cards

Airlines and credit card companies often work together to create airline credit cards. Airline miles from a certain frequent flyer program are distributed via this card, and can be redeemed for airfare, premium cabin upgrades, and possibly other perks. There are certain airline credit cards that provide perks for frequent fliers, including as free checked luggage, discounts on in-flight purchases, partner lounge network receive access at airports, and early boarding. Two well-known cards in this category are the Southwest Rapid Rewards® Priority Credit Card and the Delta SkyMiles® Platinum American Express Card.

Zero-percentage-interest credit cards for vacations

All purchases made with a flat-rate travel credit card earn the same number of points or miles. After that, you can use a travel site, studio locations worldwide or a statement credit to redeem your points for travel at a set price. The Bank of America Travel Rewards Credit Card and the Discover Miles Credit Card are two examples of high-earning, flat-rate travel cards.

Premium travel credit cards

For travel perks, not all credit cards are made equal by any stretch of the imagination. Cards in this category typically include premium perks such as access to airport lounges, cars booked through Capital, annual travel credits, statement credits monthly for Global Entry or TSA PreCheck 5x membership rewards points, and more besides allowing you to transfer points after you spend to booked directly with airlines and hotel collection bookings. Those who travel frequently may find it worthwhile to pay the annual fee of between $395.00 and $695.00 for a premium travel card. If you're certain you'll use the benefits offered, apply for a credit card like the Chase Sapphire Reserve or the Capital One Venture Rewards Credit Card.

Flexible travel credit cards

There are a variety of ways to cash in your rewards points with the flexible travel credit cards' rewards programs. Depending on the program, you might exchange your points for gift cards, items, or even cash. You can also make balance transfers of your points to many airline and hotel partners using the loyalty programs that are the most versatile, such as being a basic card member of American Express Membership Rewards and Chase Ultimate Rewards. Cards such as the American Express® Gold Card and the Chase Sapphire Preferred Card are two examples of popular cards that fulfill this definition and are widely used.

How to use travel credit cards abroad

  • Prior to your departure, contact the credit card company.

    When you're ready to leave, contact the card issuer to let them know you'll be traveling internationally and to get the collect number to call for help. This will prevent your cards from being frozen due to suspicious behavior and allow you an easy, cost-free option to get in touch with the card issuer if you ever need to.

  • Try to commit your PIN to memory.

    Due to chip-and-PIN technology, some credit card terminals (most notably those in Europe) now cause the cardholder entering a PIN (PIN). Set one up and commit it to memory before you leave town.

  • Make use of a credit card that doesn't charge you foreign transaction fees.

    Credit card companies often levy extra costs if you use your card to buy something from a non-domestic store. These foreign transaction fees are typically between 1% and 3% of the total cost of your transaction, which can add up to a significant amount above the original price tag. After a while, this can get rather costly.

The benefits of travel credit cards

  • Benefit from VIP treatment on your next trip. There are a lot of travel perks available with credit cards that may easily add up to hundreds of dollars. Priority Pass Select membership, for instance, may be purchased for $429, and certain credit cards give annual travel credits of up to $300.

  • Get a big incentives such as 60,000 bonus points just for signing up. Sign-up bonuses for premium travel credit cards might be worth $1,000 or more if used to pay for travel.

  • Potentially useful for achieving social status. Being a cardholder of certain travel credit cards grants instant access to enjoy user VIP status. You can also get a credit card that will help you become a VIP by rewarding you with points after you spend 4,000 on purchases.

  • Get discounted or even free travel luggage insurance with applicable local sales tax if you qualify. It's as simple as using your credit card to pay for your trip to qualify.

  • Potential for a higher payoff. Although the value of your points and miles can vary, you may redeem them for 2 cents or more per point with some travel credit cards and airline credit cards.

How to get a low interest on travel credit cards

It's possible to get valuable bonuses and low interest rates, such as travel reimbursement for the Global Entry application and insurance coverage for all of your trips, with the right travel credit card. You should evaluate the value of a travel credit card by weighing the annual fee against the value of the perks you receive, the type of points or miles the card offers, and whether there is a special introductory package. Bonuses of 50,000 or even 100,000 points or miles may seem enticing at purchases in the first months from account opening. It's a good idea to check your credit score first and conduct some research to see if the introductory offer has changed since you last looked. If the sign-up bonus for a credit card you're considering isn't particularly attractive, it's wise to hold off applying for the card until a better one becomes available.

There is a wide variety of travel credit cards available; picking the ideal one for you will mostly depend on the specific points or miles you plan to redeem and can easily cover travel or dining purchases. To attract and keep customers, many travel credit cards have awarded bonus points for purchases made at certain types of businesses. Even within the same app, this can change from card to card. Consider the worth of each credit card perk and whether you will use it frequently when deciding if the annual fee is justified.