You probably have already heard about airline points and free flights. You need to know how to earn these perks if you travel frequently. Most of these people who enjoy free flights get this by using the right credit card. Having one might give you more than just free flights. This short guide will help you pick the right credit card and apply for it.
Your Travel Needs
Know your travel patterns before choosing a credit card to apply for. Start by choosing your most frequent flights. Do you travel mostly domestically, or internationally? What airline company do you usually go for?
Take note of this as co-branded cards with them often offer the most benefits. Premium cards with higher annual fees may be worth it for lounge access and priority boarding. Remember that some cards offer better benefits for international travel.
Check the Travel Benefits
Major credit cards come with flight benefits. Compare cards from major issuers before you decide. Most of them typically offer the following perks where you can apply credit card points that you earned:
- Sign-Up Bonuses. Credit card issuers may offer bonuses if you meet a minimum spending requirement.
- Airline Miles. Earn miles for every dollar you spend.
- Lounge Access. You might also earn complimentary access to airport lounges.
- Priority Perks. Some credit card holders enjoy priority benefits like early boarding or seat upgrades.
- Travel Insurance. This is crucial when you tend to travel a lot. This may include cancellation cost coverage, lost luggage reimbursement, and travel accident insurance.
- Credits for Global Entry/TSA PreCheck. You can get reimbursement for application fees or expedited airport security.
Weigh The Benefits Against Costs
When looking at credit cards that offer flight perks, you should think about how much they cost to apply for. Check the annual fees to make sure that the benefits are worth what you spend for it. Pay attention to interest rates too. Take note that cards that don’t charge foreign transaction fees should be your first choice when you travel abroad.
Check Your Credit Score
Credit cards with flight benefits usually require a good to great credit score. Make sure that you check your credit score before you apply. Raise it by paying off your debts if the score is low. Also, ensure that you keep your usage low and make payments on time to maintain a good standing.
Prepare the Required Documents
Get all the information you need before applying for a credit card that gives you flight benefits. Most often, you will have to provide your details and financial documents. You may also be required to provide details about your spending and obligations. A lot of companies let you apply online. It is preferred by many since it’s quick and easy. Your application may be approved right away if you have all the documents required.
Improve your travel experience by using your credit card. This will also allow you to save money as you enjoy the perks that come with it. Carefully choose an issuer that can give the best benefits for frequent travelers like you.