One of the best perks of using a credit card these days is earning airline miles that you can use for your next family vacation or business trip aboard. If you apply online for credit card offers, you can find a wide variety of airline miles reward programs. One of the most popular is one from Capital One. They offer a travel credit card called the Capital One No Hassle Miles Visa Signature Card. This no annual fee credit card is ideal for people who like to earn miles and save money on their monthly credit card bills.
Features
A travel credit card needs to be flexible. The Capital One No Hassles Miles Visa Signature Card is very flexible. When you earn miles, you can redeem them with any airline you choose. So if you fly one airline domestically and a different carrier when you travel over seas,you have the option of redeeming your miles for a ticket with either airline.You can also travel at any time of the year and depart or arrive at any time of day. There are no black out dates like with other airline mile
Reward programs. In addition, you can sit anywhere and in any section you wish. There are no seat restrictions with the Capital One miles Reward program.
When you use your Capital One No Hassle Miles Visa Signature Card for your every day purchases, you earn one mile for every dollar that you spend that you can redeem for tickets or other travel discounts. With as few as eight thousand miles, you can fly free to certain destinations. Apply online for credit card offers similar to this one and you will find that the amount required for flying free is usually much larger.
If you want a travel credit card but also enjoy the perks of a regular reward card that offers you merchandise and gift certificates for dollars spent, you are in luck. The Capital One card allow you to use your miles earned on brand name merchandise instead of redeeming them for travel miles.
Apply online for credit card offers like the Capital One No Hassle Miles Visa Signature Card and you will see that most other cards do not offer the option of donating your earned miles to charity. This philanthropic option is one that really sets Capital One apart from other credit card companies.
The Travel card is also a no annual fee credit card. You pay no fees other than the standard fees for late payments and any interest accrued from carry over balances.
The low interest rate for this card is a variable 9.9% annual
Percentage rate. This is an unusually low interest rate for a no annual fee credit card. The rate applies to all new purchases and balance transfers as well. When you add up the savings you receive, the bonus miles, the flexibility of spending, all add up to a great credit card deal.
International Travel Credit Card
If you're getting ready to travel, you need to take care of a few matters regarding your credit card before you leave. You should check with your credit card issuer about fees or charges when using the card outside of the U.S. Many of the financial institutions charge additional fees for foreign transactions, such as three percent when converted to U.S. dollars.
It is recommended that while you have your bank on the line, you advise them of the dates you'll be traveling and the countries you will be in. If they don't know you're out of the country and start getting charges from Paris, they may cancel your account until you contact them.
You should take credit cards from two banks. If there's a problem and one bank cancels your credit card while you‘re traveling, if the two cards are from the same institution they would cancel both. The second card could just be a back-up. It's best to use just one credit card as it's easier to keep track of your spending.
Seasoned travelers recommend when vacationing in Europe, you use a debit card for getting local currency. Cash machines are common throughout Europe and you can go to any ATM machine and get cash back. The drawback with this is that there are quite often limits of the amount of cash you can withdraw at one time. You may also want to set-up with your financial institution in advance, a daily allowance of the amount of cash that can be withdrawn from your debit card just in case it is lost or stolen.
With the debit card, there is a fee for each transaction. So you wouldn't want to use the debit credit card in place of a credit card as you might do here in the U.S., as each charge would generate an added fee. You can keep the debit card just to replenish your cash. It is suggested you have enough cash on hand, as there are times when a credit card sign is posted at the door at say a restaurant, but when the bill comes they don't accept that card.
Use caution while traveling of being too liberal when using your credit card number. Keep your travel credit cards and your debit credit card in a safe place. Keep all receipts so that you can verify the charges upon your return. Maintain your pin number in a safe place. Be sure you have the financial institution's phone numbers just in case you lose your credit card.
Now that you have your travel credit card and debit card information, it's time to make those final plans and start packing. Oh, ……and don't forget to take lots of pictures and have fun!
Both Anthony Harris & Bradley Carson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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