Traveling to a different city or country for a holiday is one of the best ways to reward yourself. Going to a place you have never been to before for business or work reasons can also be fulfilling. Although your schedule will be full, you will still be able to find time to explore the area, visit famous landmarks, and try some exciting eats.

The best credit card in the UAE will enable you to do these things and give more rewards whenever you travel as well. With the right card, you will earn points which you can use to make your journeys more comfortable. You will save money and get excellent perks and freebies as well.

Finding the Ideal Travel Partner

A travel rewards card will allow you to get more from all your trips that require a plane ride. But to enjoy all the incredible perks and freebies it comes with, you need to get the right product first.

Below are five tips that will help you select the ideal travel rewards card:

1.     Consider your spending habits

To get more points or rewards, think about your spending habits first. Consider where you plan on using your card frequently: in restaurants, coffee shops, supermarkets, etc.

In case you will use your card for everyday or regular items, it is best to apply for a travel rewards card that will allow you to earn points or miles regardless of your purchases. Such products come with a flat rewards rate across all categories.  You will, therefore, earn points no matter where or how you use it.

If you plan on using your card for your frequent trips, try getting a travel credit card issued by a particular carrier or hotel chain and its partner. With such products, you will have more opportunities to earn higher points.

An example of a travel credit card is the Citibank Emirates Ultimate, one of the best Skywards credit cards today. With this particular product, you will earn more rewards for all travel-related spending, such as booking a ticket with Emirates Airlines or making in-flight purchases.

When applying for your first travel credit card, keep in mind that rewards will accumulate faster if you use it frequently. Because of this, it is important to think about your spending habits first.

2.     Check your credit score

The best travel credit rewards cards are usually given to people with good or excellent credit scores. Because of this, if you have a low credit score or poor credit history, there is a high chance you won’t get the card you’ll apply for.

To avoid getting disapproved for a product that you like, check your credit score first. Visit your local credit bureau or use a website or an app to do this.

If your score is currently low, work on improving it first. You can do so by paying off your outstanding loans or credit card bills.

You can also get a secured credit card or a card for fair credit to improve your score before applying for a travel rewards type. 

3.     Look for a card with a low or no annual fee

Travel rewards cards typically come with annual fees. If you can find one that doesn’t come with any, apply for it. If you can’t, look for one with the lowest rates.

Additionally, find out if you can use your points to pay for the annual fee. With this perk, you won’t have to worry about taking on this additional charge.

If you choose a card with an annual fee, make sure that the charge is worth the perks and rewards you will get in the long run.

4.     Consider the offered sign-up bonus

Most travel reward credit cards come with bonus points which you can claim after you spend a certain amount within a given timeframe. This sign-up perk will rev up your mileage account fast.

These bonus points can be huge and valuable. They can equate to a free flight or a couple of nights’ stay at a hotel.

However, avoid getting too excited about using your card to earn these bonus points. Make sure you only spend the sign-up bonus amount. Additionally, pay your card bills in full and on time whenever possible so that the interest won’t be larger than the value of the bonus points.

5.     Check the other perks

Finally, look into the additional benefits and rewards the card offers. These can include seat upgrades, discounted or free entry into airport lounges and priority boarding.

Some cards also offer free travel insurance, rental car benefits, and roadside assistance.

Make a list of perks and freebies you need and want, and look for them in the travel rewards card you plan on applying for.

Traveling can be rewarding in various ways. Get more value and perks from all your journeys with the right travel rewards card.

About the Author:

Deepak Kumar is a Co-Founder of SoulWallet, a neutral comparison portal for consumer financial services. With a team of “out of the box” thinkers and a deep understanding of the UAE consumer banking industry, the company helps customers make the best choices when shopping for financial products such as credit cards and loans.