Credit Cards for Those with No Credit

Travel Rewards Credit Cards And Airline Credit Cards

You’ve probably come to appreciate the convenience of credit cards and the ease they bring to many everyday transactions - as well as the protection for those occasions in which a merchant or service provider fails to honor some aspect of the transaction. Another advantage of credit cards is that should it be lost or stolen or you become a victim of identity theft, protecting yourself from unauthorized use is fairly easy to do.

There are many low APR travel rewards credit cards as well. These include among other types airline credit cards. These credit cards allow the holder to accumulate frequent flyer miles or other types of credits that can later be redeemed for discounts on air travel. Such travel rewards credit cards can also earn the cardholder points on travel purchases from certain carriers and/or their corporate partners, or points that can be used with the airline of your choice as well as sea cruises, hotels, car rentals and many other travel-related expenses.

In addition, some airline credit cards offer 0% introductory rates on balance transfers from high interest cards and purchases for periods ranging from six to twelve months.

Miles by Discover

This is one of the travel rewards cards that offers interest-free balance transfers and purchases for six months. In addition, cardholders earn one Frequent Flyer Mile for every dollar spent (no limits for active accountholders in good standing) as well as double miles on restaurants ($3000, max.). Unlike some airline credit cards, there are no restrictions on dates during which you may or may not schedule travel.

Chase Flexible Rewards

This one also offers an interest-free introductory period for six to twelve months on balance transfers. Cardholders earn points that can be redeemed for discounts on airline tickets, hotel rooms and rental autos.

Alaska Airlines VISA Signature

By applying for this card online, one can obtain up to 6,000 miles right away; in addition, this one is unique among airline credit cards in that cardholders receive 2,000 bonus miles each year. These miles can be redeemed with Alaska Airlines as well as any of its ten corporate partners.

Hawaiian Airlines VISA Platinum Credit Card

This is one of the most generous travel rewards cards, offering 10,000 bonus miles when the cardholder makes his/her initial purchase. Cardholders can earn up to 100,000 miles per calendar year in addition to 2,000 miles awarded annually for active accounts in good standing.

Blue Sky From From American Express

Like the Chase airline rewards card, this one allows the cardholder discounts on a range of travel-related services from any provider, with no restrictions on dates. The Blue Sky travel rewards card offers a 0% introductory rate on purchases and balance transfers for the first six months as well as Travel Accident Insurance and purchase protections.

4 Ways to Get More From Your Travel Rewards Credit Cards

Most travel comes with strict cancellation policies that will cause you to lose a portion if not all of your money if you have to cancel.

Credit Card Offer

If you frequently travel by air, a co-branded airline credit card might be more suited to you than the general purpose one. These airline credit cards offer discounts, rebates and other kind of rewards.

 

Use the free rewards from your credit card

The first time I used my credit card’s travel rewards, I saved $600. Using my discounts, I’ve saved thousands on travel, auto purchases, computers, clothes, and home decorations. 

By: Susan Slobac

Article Directory: http://www.articledashboard.com

Susan Slobac is a personal financial advisor. She specializes in working with individuals to improve their credit rating, build assets and maximize the benefits of cash back credit cards.

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Technorati Tags: credit cards offering air miles, credit cards travel rewards

Travel rewards credit cards are also referred to as airline credit cards. Card holders with these types of credit cards earn travel miles whenever they use their credit cards to make payments.

Like all other credit cards, one size does not fit all when it comes to travel rewards credit cards. To get the most benefit from such a card, the customer needs to get the best card for their own needs.   Click this link to compare travel reward credit cards .

Comparing travel rewards credit cards is a little bit different than comparing cards although some of the benchmarks remain the same. The first thing that needs to be examined is how often you travel. A person who travels often and therefore track up travel miles quickly may opt for a card with high redemption points. Remember that cards mileage awards can expire and if you have to wait for an extended period to earn points, you may well end up losing out.

While the interest rate, that is, APR is important, if you are the type of cardholder that clears your balances at the end of each billing cycle, this becomes less significant. However, the card holder who always carries a balance forward or incurs late charges, needs to be concerned with the APR when selecting a credit card. Some travel rewards cards start out offering 0 APR or low APR, but generally this is just for select period. When comparing interest rates look at the rates after the introductory period and ask if they are fixed or variable.

Check the travel rewards against your annual fees as well. If you pay a high annual fee and receive minimal rewards you may want to reconsider using that particular card. Also, a card can incur no fees for an introductory period only, but that period has passed you will see fees being attached. So look for or ask for details on this.

 
The Benefits of ‘Airline’ Credit Cards

In order to maximize your benefits, you must ideally spend some time in thoroughly understanding your ‘airline’ credit card’s reward system. Usually, every dollar that you charge to the card gets a point and an ‘air mile’.

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Perhaps a rewards program is enticing for you. Or, if you travel often, an airline miles credit card will benefit you. In recent times, with gasoline prices rising, the gas rebate credit cards have become very popular.

By: Eric Wasselman

Article Directory: http://www.articledashboard.com

To compare travel rewards credit cards, Eric Wasselman recommends Find Credit Cards. Please see www.findcreditcards.org/type/travel-rewards.php for more information.

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Technorati Tags: credit cards travel rewards