The best credit card for travel with fair credit is the Upgrade Visa® Card with Cash Rewards because it gives unlimited 1.5% cash back on all purchases (after you pay the bill). The Upgrade Credit Card also comes with a $0 annual fee and a 0% foreign transaction fee.
When you have fair credit, it’s difficult to qualify for most travel rewards credit cards, as they tend to require at least a good credit score. But with responsible use, you can build your credit to the point where you’ll have high approval odds for better travel rewards cards. Start by paying your bill on time each month, keeping your spending low and applying for only one credit card at a time. You can track your progress for free on WalletHub and get customized tips.
Not really a lot of them for fair credit. You generally need to be in the "Good" bracket before you can start looking for rewards, travel included. With that said, any Visa/Mastercard brand with no foreign transaction fees will do just fine.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.… read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
One of the easiest credit cards to get with fair credit is the Petal® 1 Visa® Credit Card. This credit card is available to people with limited credit or better, reports monthly to the three main credit bureaus, and gives cardholders 2% to 10% cash back on purchases from select merchants. It also has a $0 annual fee. And if you’re lucky, you may even get approved for the … read full answerPetal® 2 Visa® Credit Card instead, since you’ll be considered for both cards when you apply.
In general, the easiest type of credit card to get is a secured card or an unsecured card for bad credit. There are plenty of credit cards that require fair credit at a minimum, but if easy approval is what you’re after, you’ll want to exceed the card’s requirements rather than just meeting them. Checking for pre-approval will give you a good idea of which credit cards will be easiest to get with your fair credit score.
It’s not hard to find easy credit cards to get with fair credit – even ones with rewards. But it is hard to find worthwhile 0% intro APRs on cards for fair credit. So it’s probably best to pay off your balance in full each month. And if you consistently pay on time, you should see your credit score start moving up toward the good credit range.
Travel credit cards work just like any other rewards credit card, though they tend to reward cardholders more for making travel-related purchases than anything else. The points or miles that travel credit cards provide are also usually worth more when redeemed for travel, compared to other redemption methods. Plus, travel credit cards commonly offer features such as travel insurance, no foreign transaction fee, airport lounge access, and reimbursement for TSA PreCheck/Global Entry application fees.… read full answer
Travel rewards credit cards offer rewards in one of two currencies: miles or points. There isn’t much of a difference between the two, but miles are more frequently used in the context of airline rewards, while points are often associated with hotels. On that note, co-branded travel cards tend to give higher rewards rates and special perks with specific airline and hotel brands, while non-cobranded travel cards don’t favor any particular brand but give good rewards on travel purchases in general.
How Travel Credit Cards Work
They often reward you more for travel.
Travel purchases are usually going to be a lot more profitable rewards-wise than other types of purchases. For example, Chase Sapphire Preferred gives 2 points / $1 spent on travel and dining, and 1 point / $1 spent on other purchases. But this isn’t true for every card. Capital One Venture, for instance, gives 2 miles / $1 spent on all purchases.
Travel redemption is usually the best value.
In most cases, you don’t have to spend your rewards on travel, but the credit cards companies give big incentives for you to do so. Take Chase Sapphire Preferred, for example. You get 25% more value from your points when you redeem them for travel.
No foreign transaction fees.
Very few travel cards will charge you extra for using your card abroad or with foreign merchants online. But you should check your cardholder agreement just to be sure.
There may be booking restrictions.
Some travel cards, like Capital One Venture, pride themselves on rewarding you equally for any type of travel, no matter where you book it. But other cards, especially airline or hotel cards, may only give travel-specific rewards rates if you book directly through the issuer.
You may need at least good credit.
Travel rewards cards are typically available only to people with good or excellent credit. You should shoot for a credit score of 700+ for cards that require good credit and 750+ for excellent credit.
You’ll often get travel insurance & other perks.
Travel insurance is a big plus. Some cards will cover you for trip cancellation, delays or accidents. Many travel credit cards still offer rental car insurance, too, though many regular credit cards have dropped that benefit. Certain cards, generally those with annual fees, also give you a yearly credit toward airline or travel purchases. You may even get other perks like free airport lounge access and the ability to transfer your points or miles to hotel and airline loyalty programs.
So if you travel frequently, getting a travel credit card is a good idea. After all, you might as well get rewarded for trips you’d go on anyway.
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