Should You Get a Travel Credit Card?

Are They Worth It?

Author: The Traveling Professor/Monday, January 15, 2018/Categories: Travel Tips

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If only traveling once or twice a year, a travel credit card is not really worth the time and effort.  However, if taking several domestic or international trips per year, it may be well worth it to get a travel credit card.  In most advertisements, free travel is emphasized as the best reason for getting a travel credit card.  But for me, these are the most important reasons:

Travel Insurance:  This can cost $100+ per trip. Lots of credit cards provide "free" travel insurance.  Look for ones that provide emergency evacuation insurance if traveling overseas. Trip interruption insurance is valuable in case a trip is cancelled or delayed - it can pay for any extra expenses that may be incurred (hotel, car rental, meals, re-booked flights) that may be incurred as a result of a flight being delayed or canceled.  Of course, you want a card that provides emergency health coverage if traveling overseas.

Extra Airline Privileges: Cards providing early boarding, free baggage, and preferred seating are great, if that's what you need.  Some of the more expensive cards provide airline lounge access.  Again, if only traveling once or twice a year, it probably isn't worth getting a travel credit card.

Points:  I have the Chase Sapphire Reserve.  I cash in points for flights with no restrictions PLUS I get my miles when I fly.

Miles:  Mileage redemption programs have become more and more devalued in recent years.  This should be one of the least significant considerations when considering a credit card to be used for travel.

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