Travel Credit Cards
One of the best perks of using a credit card these days is earning airline miles that you can use for your next family vacation or business trip aboard. If you apply online for credit card offers, you can find a wide variety of airline miles reward programs. One of the most popular is one from Capital One. They offer a travel credit card called the Capital One No Hassle Miles Visa Signature Card. This no annual fee credit card is ideal for people who like to earn miles and save money on their monthly credit card bills.
Features
A travel credit card needs to be flexible. The Capital One No Hassles Miles Visa Signature Card is very flexible. When you earn miles, you can redeem them with any airline you choose. So if you fly one airline domestically and a different carrier when you travel over seas,you have the option of redeeming your miles for a ticket with either airline.You can also travel at any time of the year and depart or arrive at any time of day. There are no black out dates like with other airline mile
Reward programs. In addition, you can sit anywhere and in any section you wish. There are no seat restrictions with the Capital One miles Reward program.
When you use your Capital One No Hassle Miles Visa Signature Card for your every day purchases, you earn one mile for every dollar that you spend that you can redeem for tickets or other travel discounts. With as few as eight thousand miles, you can fly free to certain destinations. Apply online for credit card offers similar to this one and you will find that the amount required for flying free is usually much larger.
If you want a travel credit card but also enjoy the perks of a regular reward card that offers you merchandise and gift certificates for dollars spent, you are in luck. The Capital One card allow you to use your miles earned on brand name merchandise instead of redeeming them for travel miles.
Apply online for credit card offers like the Capital One No Hassle Miles Visa Signature Card and you will see that most other cards do not offer the option of donating your earned miles to charity. This philanthropic option is one that really sets Capital One apart from other credit card companies.
The Travel card is also a no annual fee credit card. You pay no fees other than the standard fees for late payments and any interest accrued from carry over balances.
The low interest rate for this card is a variable 9.9% annual
Percentage rate. This is an unusually low interest rate for a no annual fee credit card. The rate applies to all new purchases and balance transfers as well. When you add up the savings you receive, the bonus miles, the flexibility of spending, all add up to a great credit card deal.
Now that summer’s here you may be getting ready for that long awaited European vacation. Have you checked to be sure you have the right travel credit card? Although using credit cards are best when you travel, you need to be sure you’ve selected the best credit card for overseas use.
If you’re getting ready to travel, you need to take care of a few matters regarding your credit card before you leave. You should check with your credit card issuer about fees or charges when using the card outside of the U.S. Many of the financial institutions charge additional fees for foreign transactions, such as three percent when converted to U.S. dollars.
It is recommended that while you have your bank on the line, you advise them of the dates you’ll be traveling and the countries you will be in. If they don’t know you’re out of the country and start getting charges from Paris, they may cancel your account until you contact them.
You should take credit cards from two banks. If there’s a problem and one bank cancels your credit card while you‘re traveling, if the two cards are from the same institution they would cancel both. The second card could just be a back-up. It’s best to use just one credit card as it’s easier to keep track of your spending.
Seasoned travelers recommend when vacationing in Europe, you use a debit card for getting local currency. Cash machines are common throughout Europe and you can go to any ATM machine and get cash back. The drawback with this is that there are quite often limits of the amount of cash you can withdraw at one time. You may also want to set-up with your financial institution in advance, a daily allowance of the amount of cash that can be withdrawn from your debit card just in case it is lost or stolen.
With the debit card, there is a fee for each transaction. So you wouldn’t want to use the debit credit card in place of a credit card as you might do here in the U.S., as each charge would generate an added fee. You can keep the debit card just to replenish your cash. It is suggested you have enough cash on hand, as there are times when a credit card sign is posted at the door at say a restaurant, but when the bill comes they don’t accept that card.
Use caution while traveling of being too liberal when using your credit card number. Keep your travel credit cards and your debit credit card in a safe place. Keep all receipts so that you can verify the charges upon your return. Maintain your pin number in a safe place. Be sure you have the financial institution’s phone numbers just in case you lose your credit card.
Now that you have your travel credit card and debit card information, it’s time to make those final plans and start packing. Oh, ……and don’t forget to take lots of pictures and have fun!
If you travel a lot, then you probably already know the value (and necessity) of having a good credit card with you. The truth is, though, that some types of credit cards are more valuable than others when it comes to traveling and the benefits you can receive. Here are some things that you should know about when you are looking for that just right credit card for traveling.
What Kind Of Travel?
Getting the best credit card for a traveler depends on what kind of travel you do. There are two different kinds of cards that you need to choose from, and that is determined by how you travel – by air or by car. Both cards can come with similar options, once this is decided. Most of them will give you rebates, discounts, or free hotel stays, cash back on restaurants, car rentals, and other purchases.
Air Miles Cards
If you choose an air miles credit card, then once again you have two main options. Do you want to go with an airline card, or a bank card? A credit card put out by an airline company is usually made just for that airline. In other words, you get the best discounts and air miles when you travel on that airline. This could be a great deal if that airline is available at your nearest airport, and at your usual destination city. But, if that is not the case, then you will probably want to get an air miles bank card, which will give you about the same points on any airline, and will give you a wider variety of benefits to choose from. Some of these cards will allow you to use your points toward cruises, too.
Credit Cards For Drivers
These credit cards have a number of great benefits, too. Most will give you real good points for gasoline and car repairs and maintenance. Some of these credit cards for drivers have a variety of different benefits that you will need to think about before you get one. For instance, a couple of these credit cards will allow you to save your points and use them toward the purchase of either a new or used car. Other cards simply give you cash back for your points, and some allow you to use them toward car repairs.
Other Features
Nearly all credit cards come with other options, too – but these are not all equal in value to you. If you have any other outstanding credit card debt, then you will want to make sure you get a good deal on balance transfers. Many credit cards will allow you to make balance transfers without any fees, and 0% interest for the life of the transfer. Also, be sure to find out what fees apply to the credit card, and what interest rate you have when the introductory offer runs out.
Credit cards usually have a lot of small print – and you don’t want to avoid reading it just because it is small. Actually, it will only effect how much you pay each month and how much your actual benefits are reduced each month. By doing some careful comparison shopping, you should be able to find the right credit card that will allow you to have some significant savings as you travel.