Travel Reward Credit Cards

How to use a travel reward credit card...

Feel good about your break in the sun because of the £'s you've saved with your travel reward credit card.

Live life to the full whilst away with the savings you've made on your flights, hotels, car hire and more.

Making the most of your card:

- Budget your spending
Make sure you can afford to pay back what you spend every month. Spend what you can afford and make your payments each month to rack up points and keep interest at bay. It's also likely to give your credit rating a boost too.

- Use your card as much as possible
Don't change your spending habits to get extra points or discounts, but do make all your typical (probably debit card and cash purchases) on your travel reward credit card. This is the best way to quickly clock up points without changing your spending habits.

- Don't make cash withdrawals
Cash withdrawals will more than likely incur a handling charge and will be subject to an often higher rate of interest. Keep your spending confined to the card and make cash withdrawals with a debit card instead.

- Check out the bonuses
Many companies will provide added incentives, such as spending bonuses or double points for using your card with the named travel company. This can be a great way to gain loads of extra points if you regularly use a particular service, but don't go out of your way just to get the points.

- Get extra cards
If you have a trusted family member or partner it could well be worthwhile getting an extra card to build up points more quickly. With the added incentive of a holiday, I'm sure they will be more than keen!

Things to watch out for:

If you remember nothing from this article try to at least recall ChooseMoney's following five points to make sure the travel reward credit card you get, doesn't get you.

1. Check expiry dates on points you have earned
2. Make sure you know of any upper limit for the number of points you can earn
3. Be aware of any annual fees
4. Cash withdrawals are a no no!
5. Look out for deceptive points schemes, out to steel your cash

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