Travel Rewards Credit Cards vs. Cash-Back Credit Cards: Which Is Right for Me?


Traveling expenses can be rewarding if you earn some bonus or cash in return. Including your travel experience, most of the airlines provide you with a convenience to earn some rewards in the form of cash or points from your travel. Unlike the old times, the airlines today give you an opportunity to earn travel rewards depending on the miles you choose to travel with a particular airline.
Most of the airlines have introduced the incentive programs powered by the credit cards of famous companies. In this, a certain percentage is either paid to the passenger for his/her travel or the reward and travel-perks are offered to the passenger. In general, airlines offer two kinds of incentives: Travel Reward Credit Cards and Cash-Back Credit Cards. So, which one to choose? Which one is the best? 

Travel Credit Cards vs. Cash-Back Credit Cards
Let’s see how they differ based on the following factors.

Rewards
Travel Credit Cards are the kind incentives by the airlines for the passengers. They are the bonus cards that help passengers earn free travel, become an elite member of the airline, and enjoy many other travel-related perks. Like you, every passenger has unique priorities for earning travel rewards. Depending on the specific needs of the passenger, the airline offers you with the credit card benefits.

Cash-Back Credit Cards are the cash incentives by the airline for the passengers. They are the incentive cards and the simplest way to earn rewards. Knowing how much you will earn back from the card, you simply get back the percentage depending on your spending. Rather than offering you points, you get the cashback. The rate of redemptions and rewards differs from one cardholder to another. They are the most popular types of reward cards as they are easy to use and understand. Depending on the spending habits, you can find the best Cash-Back Credit Card for your travel.

Travel perks
Travel Credit Cards come with typically no foreign transaction fees, which otherwise is 3 percent of each purchase you make. You enjoy perks like priority boarding, airport lounge access, free checked baggage, and even an annual companion fare. This can be a rewarding option, if you are a frequent traveler and use the ‘frequent flyer’ facility of the airline. 

Cash-Back Credit Cards offer higher cash backs on specific categories like groceries and gas. Though the cards offer travel perks, they are less exciting than Travel Credit Cards. If you compare, the Cash-Back Credit Cards perks seem a bit sparse! But, if you don’t travel much and are not a part of the frequent flyer program, simple straightforward cash is beneficial for you. Hence, you must consider Cash-Back Credit Cards. 

Sign up bonuses
Travel Credit Cards offers impressive signup bonuses linked with the travel reward cards to the passengers. For example, if you sign up with Chase Sapphire Preferred® Card, you get 50,000 as a bonus point. You can only earn this bonus after you have done a purchase of $4,000 in the first three months from the opening of the account. 

Cash-Back Credit Cards also offers sign-up bonuses, after you make a purchase of a certain amount soon after the opening of the account. If you compare, these bonuses are smaller and less exciting than Travel Cards. In case, you don’t want to spend and reach the threshold for the signup bonus, this card is the best choice for you. 

So, which one is best for you?
While the debate is still on, here are some parameters to help you do a self-analysis for each before taking the plunge. Here are some questions to ask yourself. If the answer to all the questions is ‘Yes’, you need a Travel Credit Card. Otherwise, you may find Cash-Back Credit Card a better value card for a long run: 

  • Are you a frequent traveler?
  • Is international travel your usual thing?
  • Are you spending mainly to earn rewards to pay for travel?
  • Can you meet the minimum spending threshold of your card?

The Thrifty Gist
Frequent flyers are likely to get benefited from Travel Credit Cards. For most others, choosing a simple and flexible reward program like Cash-Back Credit Cards can help.

If any customer have any problem understanding following exception which is above mention and need still help or assistant then here Airlines Phone Number toll-free offers them to talk our Airlines Customer Service and get resolve own query on the spot through the airline experts and professionals team.

Location: United States

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