Paying your balance in full per month will help you maintain excellent credit that will allow you to qualify for best credit card offers.
Credit cards come with perks. If you perform two functions appropriately, i.e. choosing of the right credit card as well as using it in the right way; therefore, you can earn reward points which can be used while traveling. If not completely free you can use travel rewards to discount your travel charges?
Why should you own one or two travel credit card?
In general, you need to have good credit to qualify the travel rewards credit cards.
If you do not have good credit right now, then, you have to work on improving credit by taking notice of past due balances and to build up a positive payment history.
There’re two types of travel credit cards:
(1) General purpose credit cards pay higher rewards on all travel purchases
(2) Brand-specific credit cards pay higher rewards on purchases with a specific airline or hotel.
So, If you are loyal to a particular airline or hotel, you may pick a branded credit card. On the other hand, for large travel purchases, the generic card will be better for you.
You do not have to only rely on one credit card because having more than one travel credit card will provide you an opportunity to earn more credit bonus.
Pick a credit card that does not have a cap on the rewards you receive.
Charge everything especially travel-related purchases through credit card
To get free travel you have to earn enough rewards. The more you use a credit card, the more prizes you will receive. Knowing your rewards program inside out can help you learn the best way to use your credit card to maximize your rewards. For example, if your credit card pays more rewards on gas purchases, then you always want to use your credit card for gas.
Always pay your balance in full
It is the most important rules to follow when using any rewards credit card, particularly a travel rewards credit card. Paying your balance in full per month will help you maintain excellent credit that will allow you to qualify for best credit card offers.
Avoid transactions such as balance transfers and cash advances
Speaking of avoiding extra charges on your balance transfers, credit card and cash advances always refer to paying a fee. Even if the credit card has a 0% promotional rate on balance transfers, balance transfer fee could be hundred dollars depending on the amount of balance you transfer.
Join the airline and hotel loyalty programs
Your credit card will pay rewards on purchases. Lots of hotels and airlines have loyalty programs that will also pay bonuses for your stays and flights. Signing up for these programs and free. Make sure you use loyalty rewards number during booking and use the credit card to earn more rewards.
For instance, you are booking a flight on Delta Airlines and staying in a Marriott hotel. Use SkyMiles number and Marriott rewards numbers when you book to earn rewards with those programs. Plus, earn rewards on credit card for the purchases.
Stay in the same hotel and airline brands as much as you can. Point of loyalty programs is the reward to you for frequent usage. More you use the same company's product and services the more points you can earn.
