This is an unbeatable option for someone who does not spend much on travel but still wants to be able to redeem for airfare, hotel stays or car rentals. The rewards program is straightforward which makes this card a good option for those who want to get acquainted with the world of travel rewards. Avid travelers can as well find this offer worthwhile as this card allows to increase rewards earnings on everyday purchases. There are no annual fee and no foreign transactions fee.
While airline credit cards offer bigger rewards on airfare, they basically limit you to specific airline purchases. Take Southwest credit cards from Chase as an example, the cards allow to earn additional points on Southwest purchases and on some partner purchases, all other purchases earn basic 1 point per $1. You can use Chase Southwest credit card login to track your points, but basically, you will have to fly Southwest a lot to earn an award ticket. As for travel rewards credit cards, even if they limit you to a travel category, they do not limit you to a specific airline. Travel category usually includes airfare, hotel stays, car rentals, cruises, travel packages, and gas purchases. Also, there are travel credit cards that give equal rewards on all purchases - an ideal option for those who do not travel often or want to maximize rewards on everyday spendings.
An airline credit card won't allow you to redeem miles the way you want, any way you slice it. Basically, you will be limited to award ticket redemptions from the issuing airline. More than that, airlines usually limit the number of award seats and impose blackout dates which makes it rather hard to use earned miles. For example, if you are a Southwest frequent flyer, you will need to use Southwest login to see available points and rewards options. Travel rewards credit cards work differently. Since they are not tied to any airline, you have the freedom to redeem earned miles with any airline, any time through credit card account. There are no limits or blackout dates. The only requirement is you should buy your airline ticket using your travel rewards credit card.
We all know that airline credit cards may have frequent flyer perks like priority boarding, free checked bag, or complimentary assess to airline lounges. However, all those perks and benefits do not come for free. Most likely the airline card, that offers some or all of those perks, will have a high annual fee. If you use all benefits an airline credit card has, then it may be worth paying the annual fee. If not, then you may want a cheaper option, which can be a travel rewards credit card. Such a card may not offer you a free first checked bag, but at the same time, it won't charge you high annual fee. Many travel credit cards come without annual fees at all. In addition to low fees, best travel credit cards may come with 0% intro APR allowing you to save on interest payments.
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