The lowdown.
What is a credit card with free flights or travel credits?
Credit cards that offer free flights or travel credits are specially designed to reward cardholders with travel-related incentives. These incentives can range from redeemable points for flights to complimentary upgrades, airport lounge access, travel insurance coverage, and more. By leveraging these benefits, cardholders can save money on travel expenses and make their journeys more enjoyable and cost-effective.
Key features of credit cards with free flights or travel credits
- Frequent flyer points. Many credit cards entice customers with reward points for every dollar spent. These points can be accumulated and redeemed for free flights, hotel stays, car rentals, and other travel-related expenses.
- Complimentary flights. Some premium credit cards offer complimentary flights as a sign up bonus or anniversary gift. These free flights can be a game-changer for frequent flyers looking to reduce travel costs.
- Travel credits. Travel credits provided by credit cards can be used to offset various travel expenses like airline tickets, hotel bookings, rental cars, and more. These credits can help cardholders save money on their travels.
- Airport lounge access. Access to airport lounges can significantly enhance the travel experience by providing a quiet and comfortable space to relax before a flight. Many credit cards offer complimentary lounge access as a perk.
- Travel insurance. Credit cards with travel insurance coverage can offer peace of mind to travellers by providing protection against trip cancellations, lost luggage, medical emergencies, and other unforeseen events.
- Concierge services. Some premium credit cards provide concierge services to assist cardholders with travel arrangements, restaurant reservations, event tickets, and other concierge-related requests.
Expert opinion
Credit Card Compare expert shares his experience
David Boyd, the co-founder of Credit Card Compare, shares his experience of using a credit card that rewards you with free flights or travel credits.
As someone who's travelled extensively for both business and pleasure. The significance these cards have brought to my travel planning is remarkable. I remember accruing enough points for a family trip to Bali, which was almost fully covered by rewards from my credit card.
Example use case
Consider John from the Gold Coast, who owns a small business owner and regularly travels interstate for meetings. John uses his business credit card for most expenses, from utilities to client dinners. Consequently, he earns points, which he redeems for his frequent flights. This saves him money, which he then invests back into growing his business.
What to consider before choosing a credit card for free flights or travel credits
- Annual fee. Check if the credit card has no annual fee, but if it does have a yearly fee, determine if the benefits outweigh the costs, especially if you are primarily interested in the travel perks.
- Rewards structure. Read the credit card rewards, including how points are earned and redeemed and the value they offer for travel-related rewards.
- Travel partnerships. Check if the credit card has partnerships with airlines, hotels, and other travel providers to maximise the value of your rewards and travel benefits.
- Bonus offers. Look for credit cards that offer attractive sign-up bonuses, such as bonus points, complimentary flights, or travel credits during the initial months of card membership.
- Redemption options. Consider the flexibility of redeeming rewards and travel benefits the credit card offers to ensure they align with your travel preferences and goals.
- Other benefits. Explore the additional benefits the credit card provides, such as purchase protection, extended warranties, travel assistance services, and more, to enhance your overall cardholder experience.
