A touristic card is a new bank product with different benefits, which can be used during traveling. Many people may ask why it is better than cash or other types of cards (usual credit or debit ones). The answer is simple: it was issued specially for trips to other countries with proper regard to some issues arising during travel.
You may select a travel credit card on effectify.com, the site built up for people who want to obtain a touristic plastic and travel with the great comfort. Here we offer some advice on selecting your best travel card.
How to Choose a Travel Plastic Perfectly?
You may derive maximum benefits from such a financial tool only if you observe some rules. So, here are some important points to help you get the most of your card:
- Pay the balance each month obligatorily. It is the golden rule of each credit token. If you cannot pay this month, it is better to put your plastic off. Otherwise, you can spoil your financial history.
- Be disciplined. This principle flows logically from the previous rule. Good financial history is extremely important nowadays; therefore, such tokens are good only for those who would not forget to redeem indebtedness.
- Define the amount of money to spend on the trip. The advantage is that you can decide how much money you are ready to spend and select the necessary type of credit from fair (620 – 679 dollars) up to excellent (from 720 dollars and more). Thus, touristic plastics give a good opportunity to plan the budget of a future trip in a proper way.
- Pay attention to sign-up bonus. The so-called “sign-up bonus” is a kind of present from bank to each new cardholder. You should be attentive concerning it because you will get the perk only in case of meeting a set of necessary requirements, e.g. spending a certain sum of money during the first three months from the date of account opening. Thus, try to estimate whether you may afford to spend such sum of money or not.
- Be attentive about foreign transaction fees. Of course, if you are going to use the plastic in foreign shops and restaurants, you must pay your attention to the point because some plastics have a commission up to 3% of the spent sum.
- Mind the rewards. The rewarding system is the most profitable moment in travel plastic usage. Usually, such cards have a rewarding system in the form of cashback. It means that you will have miles or points that can be used in hotels or airlines; thus, you will spend less money for flights and apartments. You can find different pieces of advice concerning such cash backs even in the USA Today. Some systems offer points, others – miles; the majority of offers are very flexible and provide the opportunity to change points to miles and vice versa, if necessary.
Using our expert recommendations concerning the travel plastic choice, you will be able to save your funds and travel very economically, in some cases – even free of charge!