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Is a Travel Credit Card Worth it? Here’s Why You Should Consider Getting One

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For the Frequent Traveler

If you're constantly on the go, a travel credit card is a no-brainer. With perks like lounge access, free checked bags, and statement credits for Global Entry or TSA PreCheck, you'll get substantial value out of any travel card. The Platinum Card® from American Express is a popular choice for frequent travelers.

For the Aspirational Traveler

If you're new to the travel world but want to get more involved, there are plenty of card options for you. Start with a no-annual-fee card or a mid-tier card like the Chase Sapphire Preferred. These cards offer benefits at a low or no cost and can kickstart your credit card journey.

For the Big Spender

If you have a high monthly budget, using a travel card for your day-to-day purchases is a smart move. By doing so, you can easily cash in on welcome offers and earn bonus points. Plus, regular spending on a card can lead to airline and hotel elite status, as well as free hotel nights.

For Small Business Owners

If you have a small business, a travel credit card can help you cut down on expenses. By putting your monthly expenditures on a card, you can earn travel rewards. Consider the Ink Business Preferred® Credit Card, which earns valuable Chase Ultimate Rewards points and offers flexible redemption options.

When a Travel Card Might Not Make Sense

If you're not a frequent traveler and don't have a high monthly budget, a travel card might not be the best fit for you. In this case, a cash-back card that earns rewards on everyday spending categories might be a better option.

However, as you dive deeper into the credit card world, it's worth considering travel cards. They offer substantial value whether you're a jet-setter or not. Even if you don't travel often, travel credit cards can still provide significant value when you leverage their earning rates and sign-up bonuses.

Ultimately, there are options available for everyone. With a little research, you can find the right travel card to help reduce the cost of your next trip and enhance your travel experience.

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