How to Choose a Credit Card for Travel Rewards

Intermediate 15 min 13 steps 44836 views Rating: 4.7/5 Published: 2026-04-07

Decide on a type of travel-rewards program.. Analyze the value of each card's points or miles.. Look for cards that offer a sign-up bonus.

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Steps

1

Decide on a type of travel-rewards program.

Step 1

Decide on a type of travel-rewards program.

2

Analyze the value of each card's points or miles.

Step 2

Analyze the value of each card's points or miles.

3

Look for cards that offer a sign-up bonus.

Step 3

Look for cards that offer a sign-up bonus.

4

Look for a card with flexible redemption opportunities.

Step 4

Look for a card with flexible redemption opportunities.

5

Consider a card's customer-service responsiveness.

Step 5

Consider a card's customer-service responsiveness.

6

Choose a card with low annual fees.

Step 6

Choose a card with low annual fees.

7

Find a card with a low spending minimum.

Step 7

Find a card with a low spending minimum.

8

Ask about foreign transaction fees.

Step 8

Ask about foreign transaction fees.

9

Check your credit score.

Step 9

Check your credit score.

10

Evaluate the risk of signing up for multiple travel-rewards cards.

Step 10

Evaluate the risk of signing up for multiple travel-rewards cards.

11

Find out the best time to apply for the card.

Step 11

Find out the best time to apply for the card.

12

Think about your current financial situation.

Step 12

Think about your current financial situation.

13

Look into a cash-back credit card as well.

Step 13

Look into a cash-back credit card as well.

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