application fee credit and airport lounge access. If you’re able to max out these extras, the perks can often be worth more than the annual fee.Anyone who stays in hotels at least semi-regularly and who can pledge loyalty to one hotel brand may find that a hotel credit card is right for them.
Owning a hotel credit card can be a much faster path towards accruing points than earning them on stays alone. Some cards confer automatic elite status upon ownership, which comes with its own set of benefits that can range from late check-out to free breakfast to room upgrades. Some cards will also offer one night free annually every year you renew your card membership as well as other perks such as airport lounge access.
With some cards, fixed-value points currencies can also vary by redemption type. For example, points on a card might be worth 1.5 cents each when redeemed for travel rewards, but only be worth 1 cent each when redeemed for cash back.If you’re traveling for work and you want to keep your business expenses separate from your personal expenses, a travel business credit card may be worth considering.