5 'You Cans' That General Travel Cards Give You And Hotel Cards Don't
It's easy to get impressed by branded cards' features when they may offer such perks as free nights, automatic elite status and so on. But before you fall for any hotel credit card offer, make sure that you will in fact use all the perks it has. Oftentimes, we end up paying enormous annual fees for the perks we do not use. If you make a list of your needs, you may be astonished to see that a regular travel rewards credit card is actually as good or even better option for you. Below is a list of benefits you won't be able to have if you apply for an airline credit card.
You Can Stay at Any Hotel, Anytime
Yes, we all know that general cards are accepted everywhere. And what if we tell you that they allow redeeming earned rewards the way you like? A hotel credit card will limit you to one specific hotel chain when you redeem rewards, but general travel rewards credit cards won't limit you. You simply book a hotel and then apply your rewards to the purchase to erase the cost.
You Can Redeem for Virtually Anything
Want to redeem for something other than hotel stay? Not a problem! Most general travel rewards credit cards will allow you to redeem for airline tickets, rental cars, gift cards or even cash. And when you are allowed to redeem for cash, nothing can stop you from using those free cash for any treat you wish.
You Can Earn Tons of Rewards
If you don't travel often, say you hardly stay at a hotel twice a year, it will take an eternity to earn enough points for a rewards night using an hotel credit card. That's because co-branded cards will reward you for brand purchases mostly. Non-branded purchases will earn nothing at all or a mere 1 point per dollar. General rewards credit cards give good rewards on all purchases, and if you are familiar with changing categories, you may reap even bigger rewards.
You Can Save on Interest And Fees
General travel credit cards may have no annual fees and zero interest rates, which is rarely offered with hotel cards. Zero rates are extremely useful when you need to spend a little fortune for your travel. A 0% intro APR can be given for a year or even more, so you can take your time paying off the card balance without spending a penny on interest.
You Can Make it Your Primary Card
You would hardly want to put all your everyday expenses on an hotel credit card when it has high interest and gives little rewards. It's quite logical to swipe the card that will save you most and general travel rewards credit cards can do it. A general credit card will work for you all the time and won't sit in your pocket doing nothing.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.