As you make travel plans this summer, be sure to pack the plastic. Credit cards are a convenient tool to finance your trip. To make the most of them, it’s best to keep a few factors in mind. Here’s what you need to know before you go.
As you prepare for the trip, take a look at the credit cards you have. If you plan to travel abroad, consider carrying cards that are widely accepted, such as Visa or MasterCard. Taking along two credit cards is wise; this way, if one of the cards is not accepted, you have a backup.
Most credit card companies and issuers charge fees for international purchases. This expense, which covers the fees incurred for currency conversion, is usually 2-3% of the purchase amount. To find out how much you will be charged, call your credit card company and ask before you leave. In most cases, the fees you will have to pay will be less than what you would spend exchanging dollars or cashing in traveler’s checks. This is because when you use a credit card, you usually receive the best exchange rate available.
A common problem for those traveling abroad involves purchases being blocked. This occurs because the international activity sets off a fraud alarm. For your safety, the credit card company does not allow the transaction. To avoid this potential dilemma, inform the company of your travel plans before you leave. They can make a note on your account that allows foreign transactions to go through.
Finally, before you travel, send an email to yourself. Include the toll-free number for customer service at the credit card company. This way, if the card gets lost or stolen, you can access your email and call the company immediately to stop any account activity. Be a Smart Traveler Even after proper planning, you will still want to be careful when traveling with credit cards. Make sure all purchase transactions are done in your presence. Most restaurants and hotels will process the card in a public place in order to avoid fraudulent activity. Pay with cash if you have any doubts.
If the credit card transaction does not go through, call the company right away. Occasionally, a purchase will be blocked for security reasons, even after informing the company of your trip. If you speak with a representative, the hold can be released on the card. This can be done within a few minutes, allowing you to make the purchase.
Should your card get lost or stolen, report it immediately. You will only be responsible for up to $50 in unauthorized purchases. In some cases, you won’t have to pay anything.
If you need to, you can use the credit card for cash advances. But remember that fees for these transactions can add up fast. If you will be unable to pay off the advance quickly, you may want to look into a different plan.
By preparing properly and taking safety precautions, you can travel easily with a credit card. They are more convenient than traveler’s checks. And they offer you more protection than cash, which disappears if it gets stolen. By using a credit card, you can enjoy the many benefits of carrying plastic on your trip.
Great deals on credit cards are available now at your nearest credit card dealer – or in your mailbox. The time for getting a really useful card can now be obtained. Because of competition, the credit card companies have now decided to give something back in exchange for your payments – on a rewards credit card, and the incentives can be rather attractive. Just about anything goes – from cash back, air miles, or office equipment for your business. Let’s take a quick look to see what are some of the possibilities, and a couple of tips on how to choose the very best rewards credit card for you.
Rewards credit cards are offered by just about every credit card company now – simply because they see that it really draws people to their deals. The benefits now, in a day when the prices at the gas pump are really being felt, can be especially appealing. The rewards are usually based on two things: when you make your first purchase, and depending on the amount of purchases made within a specified period of time.
What Are Some Possible Rewards For Signing Up?
Some are saying that the amounts and types of rewards is only going to get better. The primary reason – the competition between credit card companies is pretty stiff right now, so it may actually be a little tough to decide which one is the best rewards credit card for you. Various offers today include:
Some cards may offer as much as 5% back on your purchases. This may go up in the near future. This percentage rate may be limited to purchases for food, medicines, and gas. Another rewards card that gives cash back is for the professional. One card gives around 3% for purchases made on restaurants, gas, office supplies, and car rentals.
Airline travel cards can give rewards up to 20,000 air miles on your first purchase. Great for those who use the airline industry frequently.
Some of your better cards might give you up to 10,000 points on your first purchase. This is equivalent to a check for $100.00. Conditions apply.
On sign-up, some cards may give you a free night at a hotel, and then points toward free stays are earned by whatever you purchase through your card. A great feature for someone who travels a lot and stays in better hotels frequently.
A number of rewards credit cards are available for students. Rewards are given in the way of either cash back, or points on most cards, and comes from purchases made on food, medicines, and gas.
New Car Reward
One card will allow you to put your points toward the purchase of a new or used car. Might be just the card you need if you use your vehicle for business.
Some business rewards credit cards will give office equipment as a reward for your business purchases. Could be a great way to help defray office expenses.
What Are Some Other Things To Look For?
Be sure to check the standard features of the card, before you sign on the dotted line. Remember that rewards offers are simply incentives to get you to get their card. Be sure to look at the following standard features of the card, and not just the highlights. Don’t forget that it is often the details that might take away some of the same benefits, and make them actually less than what they first seem to be. Here are a couple of things to look at when getting that best rewards credit card.
The interest rate of the card
The conditions under which you can receive the benefits
The time that the benefits are available (Do they have to be redeemed within 60 days?, etc.)
Type of credit rating you need
Balance transfer options
Length of time for introductory offer
Finally, when choosing your best rewards credit cards, be sure that you compare the benefits of one with other similar cards. One may be miles ahead of the other, which could mean many more benefits for you.
Whether you are going to or coming back from the Houston airportor any other airport for that matter, what bothers most of the people is a safe and trouble free journey. It doesn’t matter whether you are going on a business trip or traveling for pleasure, the crux of your journey will always be good only if you enjoy each and every aspect of your journey. Different aspects of the journey include the air transfer (flight), airport transfer, accommodation and accomplishment to the purpose of your visit. If all the four A’s will be met your journey would be a very fulfilling one. It is in our hands to ensure that we make necessary arrangements to carry out all the aspects of our journey without any trouble.
Generally people are vary careful about selecting the Airlines, they make sure that it provides the necessary things on the flight and has maintained a punctual departure/arrival record.
Same goes for the accommodation as well, most of the people ensure a comfortable and luxurious stay in a reputed five star chain. Undoubtedly, the purpose of the visit is the most important aspect, which is definitely given utmost priority. But, what most of the people tend to ignore is the airport transportation, which is a crucial aspect of the entire journey. Imagine yourself in a situation wherein you have just arrived to your destination after a long and tiring flight. Although the services of the Airline were commendable but the long journey has taken a toll on you, you are tired and just want to be comfortably ported to your hotel room. This is where the service of the airport transport company comes handy. If you have booked for an airport transfer than all you have to do is look for a board with your name, follow the escort to the car and simply sink in the back seat of a chauffer driven Limo.
While traveling to Texas you can ensure a safe and hassle free airport transfer by booking for the Huston Airport Transportation services in advance. You can spend your valuable time and energies for doing better things rather than worrying for the transportation issues. Just book a Houston Airport Limousine Service and relax in the comfort and luxury of a chauffer driven Limousine. There are numerous airport transfer services available from Huston Airport that can provide you with all the necessary means for a comfortable and luxurious ride to the pick-up/drop-off locations.
Besides beings extremely convenient, these airport rides are also add that extra touch of glamour to your statement for arriving in style. There are numerous companies offering Houston airport limousine service but in order to select the appropriate services, one must do a little research on the tariff plans and the facilities of different service providers. Airport Trans is a premium airport transport company that offers luxurious and affordable Houston airport transportation services. So all you need to do is dial their number and relax, all your airport transfer worries would be taken care of.
Rewards credit cards reward cardholders for using the card. In essence, the issuer offers you a financial incentive to buy and use them. The incentive is offered in terms of rebates, store discounts, points that can be redeemed for specific purposes and airline flyer miles.
Choosing the rewards credit card that offers the rewards best suited to your needs is using your credit and your finances optimally.
Frequent Flyer Miles
It makes good sense for frequent air travelers to use a reward credit card that offers frequent flyer miles as a reward. These credit cards offer you points based on the amount of money you spend and the amount of airline miles you may purchase using that card. The best rewards credit cards offer you bonus points after initial purchases. If you have good credit, you can easily get a rewards credit card with a 0% introductory APR.
Cash Back Rewards
Cash back rewards give you bonus cash each time you use the rewards credit card at supermarkets, gas stations, etc. That way your rewards credit card gives you the option to spend the money as you please. The best rewards credit cards give up to 5% cash back and a 0% APR for up to 12 months. And to qualify for this type of card offer, you’ll need to have pretty good credit.
Some rewards credit cards give you the benefit of choice. You can choose either frequent flyer miles or cash back depending on your preference.
The very best rewards credit cards give you up to 6% back on purchases and gas rebates. But those offers are few and far between. Very good travel insurance, accident insurance and auto rental insurance are some of the other perks you can expect.
Entertainment Focused Rewards Credit Cards
Some credit cards cater to people who frequent movie halls, restaurants and generally go out a lot. Special offers and promotions are also offered to the owners of these rewards credit cards. Backstage passes, free music downloads and guest benefits are only some of the ways owners of this type of rewards credit card will benefit.
When applying for rewards credit cards remember that the best rewards credit cards are unique for each individual. Remember to take into account carrying costs of the card as well as details like the method of calculating interest. With the right homework and the right rewards credit card you may find yourself being able to take that perfect vacation…
The competition among credit card companies is intensifying by the day and in order to beat the competition, card issuers are coming up with new offers and incentives to entice customers each and every day. Reward credit cards have gradually evolved in this race for survival among credit card issuers and banks. Why would reward credit cards, which were once issued only to the loyal customers of a credit card company, be promoted and distributed in such large numbers? Well, market conditions have pressured credit card issuers into providing newer more compelling credit card offers, allowing the common man on the street to gain immensely from the newest and best reward credit cards currently available. This article will describe the various types of reward credit cards, features, benefits, tips for use, and things to watch out for maximum advantage.
In essence, reward credit cardholders are entitled to receive rewards based on the points he or she gains through their card purchases over time. The most common types of reward credit cards seen in the marketplace are air miles credit cards and cash back credit cards.
Air miles credit cards provide air miles for each dollar spent using the card and allow the user to redeem the accumulated miles for hotel accommodations, air travel or car rentals. Such offers are especially beneficial for those who are frequent fliers. Cash back credit cards typically give back a set percentage of total purchases as a cash rebate based on the total bill, either monthly or annually.
Who Should Be Using a Reward Credit Card?
Although the credit card companies are undoubtedly aiming to profit from every type of credit card they roll out in the market, one can expect some economic advantages behind the reward credit cards for consumers as well. Reward benefits for cardholders are usually offset by higher interest rates and additional fees and surcharges that exceed what a normal credit card might incur. Reward credit cards are best suited for individuals that can confidently pay off their card balance each and every month so as not to incur finance charges by carrying a balance. The points that you earn from your purchases can be built up progressively but are better suited to individuals or businesses that use their cards often and are probably not best for those who use credit cards very sparsely primarily because by the time the cardholder builds up enough points for a viable reward redemption, many times, the expiration date on those points will have already expired.
Tips for Use
So if you do plan on acquiring a reward credit card, to get the most out of the card, you should try to use it extensively, including virtually every bill you pay, including electricity and gas bills, phone service expenses, weekly grocery shopping, and internet and cable TV, etc. If you are financially sound enough to make the repayments in time, there are even some reward credit cards that will allow you to charge your mortgage or rent payment on your card.
Also, it is a good idea to apply for an add-on card for your spouse and distribute the spending on both. This way the customer could gain more bonus points for the same expenditure and hence better rewards.
To sum it up, the trick is quite simple, use your reward credit card as often as possible (well within your repayment ability, of course), always pay off the card balance at the end of each month, and reap the reward benefits.
Finally, before concluding, a word of advice; prior to applying for a reward credit card, do a bit of research to see which companies are offering the best reward credit cards and which among them is the most advantageous for your personal situation. The Internet provides a wealth of information on various card types and offers so be sure to utilize the information available online. A little bit of homework will make all the difference in your reward credit cards selection.