By coinnews 
00:00 Speaker A
If you want to take your next trip on points and miles, choosing the right rewards credit card could be the key to a less expensive or more luxurious trip.
00:09 Speaker A
I write about credit cards for Yahoo Finance, and I can help you find the best travel credit card, the best airline credit card or the best hotel credit card for you.
00:16 Speaker A
Here’s what to consider.
00:21 Speaker A
There are two different types of travel credit cards. You have your general travel credit cards. Credit card issuers for general travel credit cards are Chase, American Express, Capital One, Wells Fargo, Bank of America, Citibank.
00:37 Speaker A
You also have airline credit cards and hotel credit cards. All major airlines have an airline credit card. For example, you have United credit cards. You also have Delta Airlines credit cards.
00:49 Speaker A
So how do you decide? It’s a question of loyalty versus flexibility. If you always stay with a specific hotel group like Marriott, Hilton or Hyatt, then that hotel credit card may be a good choice.
01:03 Speaker A
If you’re loyal to a specific airline, like if you live in a city that has a specific hub like a Delta hub or United hub, then it might make sense for you to, you know, check out co-branded airline cards, because then you’ll get perks that are specific to your most convenient or favorite airline.
01:32 Speaker B
We do have two flights coming up on Carousel 3.
01:35 Speaker A
Free checked bags, access to the United Club or Delta Sky Club. If you’re not loyal to an airline or a hotel, a general travel credit card with a flexible rewards currency would probably be the best for you.
01:48 Speaker A
Rewards for general travel credit cards are flexible, meaning you can kind of play the field. You can redeem your points and miles directly through the card issuer travel portal, or you can transfer them to one of many different airline and hotel loyalty programs.
02:07 Speaker A
For example, like if you transfer your points to United, you now have United miles instead of chase points and you can only use them on United.
02:20 Speaker A
Some general travel rewards cards give you access to high-end lounges, or possibly a TSA pre-check or a global entry application credit.
02:29 Speaker A
If you’re going to be traveling internationally, it makes sense to have a travel credit card that doesn’t charge foreign transaction fees. These are normally a 3% charge that’s tacked on to any purchase you make with a credit card when you’re traveling abroad. So that can add up quickly, but if your credit card doesn’t charge these fees, then you don’t have to worry about it.
02:49 Speaker A
Instead, that could just be rewards that you’re earning that you can put towards your next trip. I make sure to pay off my monthly balance. Otherwise, the cost of carrying debt is more than the annual fee.
03:03 Speaker A
Scan the QR code for more information about travel credit cards.