With a host of different credit cards on the market, it can be difficult to know how to choose the right one. But as a regular traveller , it pays to pick a credit card that can either help you get to your next holiday destination for less or save you money when you get there. So-called Air Miles credit cards enable you to earn Avios or other airline points whenever you spend.
You can then redeem these against the cost of hotels , car hire or flights – although you still need to pay flight taxes and charges. Once you’ve arrived at your holiday destination , you can save even more money by using a specialist travel credit card. These allow you to avoid paying extortionate fees when you spend or withdraw cash on your card in another currency.
By contrast, most standard credit cards charge a non-sterling transaction fee of up to 2.99 per cent. If you also withdraw cash on your card at an ATM, you’ll likely be hit with an additional fee of up to 2.
99 per cent. On a £100 withdrawal, that means you could be looking at total fees of up to £5.88.
Plus, interest will be charged from the date of the transaction. Alongside these travel perks, it’s worth remembering that using a credit card to pay for your holiday also gives you protection under Section 75 of the Consumer Credit Act. This covers purchases of more than £100 and up to £30,000 so that if something goes wrong, you’ll get your money back.
Below, we’ve outlined our top travel credit card picks for both airmiles.