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How do travel credit cards differ from regular credit cards when it comes to benefits and perks?

Armando Maggorini

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Travel credit cards are different from regular credit cards in a number of ways when it comes to benefits and perks. While both types of cards allow you to use credit to make purchases, travel credit cards typically come with features that are catered specifically to travelers.

One of the biggest differences between travel credit cards and regular credit cards is the rewards program. Travel credit cards often offer a higher rewards rate for purchases made on travel-related expenses, such as flights, hotels, and rental cars. You can earn points or miles that can be redeemed for free or discounted travel, which can help you save money on your trips. Some travel credit cards may even offer sign-up bonuses that give you a large number of points or miles when you first open the card.

Another benefit of travel credit cards is that they often come with perks that can make traveling more comfortable and convenient. For example, some travel credit cards offer airport lounge access. This can be a great way to relax before a flight, as lounges often offer comfortable seating, food and drinks, and other amenities. Some travel credit cards may also offer perks like free checked baggage or priority boarding.

Travel credit cards can also offer travel insurance, which can protect you in case of unexpected events. For example, some travel credit cards offer trip cancellation/interruption insurance, which can provide reimbursement if you have to cancel or cut short your trip due to a covered reason, such as illness or severe weather. Other types of travel insurance that may be offered by travel credit cards include rental car damage insurance and travel accident insurance.

Lastly, some travel credit cards offer no foreign transaction fees, which can save you money when traveling overseas. Regular credit cards often charge a fee of 1-3% of the purchase amount for transactions made outside of the US, which can add up quickly. By using a travel credit card with no foreign transaction fees, you can avoid these extra charges and keep more money in your pocket.

In summary, travel credit cards differ from regular credit cards when it comes to benefits and perks. They often offer higher rewards rates for travel-related purchases, perks like airport lounge access and free checked baggage, travel insurance, and no foreign transaction fees. If you're a frequent traveler, a travel credit card can be a great way to earn rewards and save money on your trips.