A Guide to Travel Credit Cards for Beginners

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What is a travel credit card?

There are many different types of credit cards, including cashback credit cards, cards that offer no rewards, store credit cards (like a Target-brand card) and, of course, travel credit cards.

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The subset of travel credit cards can be further drilled down into three typical types:

Hotel credit cards.

Airline credit cards.

Flexible currency credit cards (also known as general travel rewards cards).

Hotel credit cards will typically allow you to earn points towards a specific hotel chain, such as Hilton or Marriott. Airline cards, likewise, will allow you to earn miles for specific airlines, like United and Delta.

Flexible point currency cards, however, are offered by specific card issuers. American Express and Chase are two common examples of this. They earn points that you can then choose to transfer and redeem via partnerships with other businesses and loyalty programs, including several hotels and airlines. This makes them much more flexible to use than other point currencies — hence the name flexible point currencies. Terms apply.

How are travel credit cards different from other credit cards?

Different credit cards offer different types of benefits. Some credit cards may help card holders build credit, while others reward you with, say, cash back for spending money on certain “categories” of purchase, like dining.

You can find cash back cards that are great for travel, but many travel credit cards reward spenders differently. Rewards come in the form of points or miles that you can then redeem towards travel. Note that many travel credit cards offer other perks, too, like the ability to access airport lounges, hotel elite status and even an annual credit towards travel purchases.