Having a credit card is a big responsibility while spending and also while traveling. The purpose of a travel credit card is to be able to spend money in any country when you are traveling and staying. Travel credit cards can be categorized into three sections – hotel, airline, and general.

If you like free perks and benefits that come with a card while you are on the go, then going for a travel credit card is the safest bet.

Dos and don’ts while getting a travel credit card
While traveling overseas, we do not want the hassle of carrying cash and local currency, which can be subject to theft. Here are certain dos and don’ts one need to exercise when you sign up for a travel credit card.

Go for a credit card that is widely accepted and honored at local places, airports, hotels, and sometimes even car rentals.

Who does not love rewards? Travel credit cards accumulate rewards while you are roaming around the globe. Go with the one, which is generous in rewarding.

Before traveling, check whether your card is authorized to use abroad and will be widely accepted.

Always check what perks are covered within your credit card limit. If you use a rental car while traveling, can you use your card for rentals?

Here are some don’ts for a travel credit card.

Avoid credit companies that pay less than one cent per point for the amount spent on the card.

Before deciding on the credit limit, make sure that you are going to spend the amount. Do not sign up for travel card just for getting bonuses and rewards.

Be wary of transaction fees that are charged while shopping or using the travel credit card outside of the country. Some cards charge as much as 3 percent as transaction fees.

If you are not getting your rewards on credit card or cannot redeem at places where you frequently travel, there is no point in going for those credit cards. Owning a travel credit card, which is designed for frequent travelers is a must in case of an emergency related to flight or hotel bookings.  Explore your options whether you want annual fee card or a no-fee card.

Remember while using your travel credit card, staying at your favorite hotel or using the same airlines will earn you loyalty points. Use those points to book your tickets or spend it while traveling. When you get your travel credit card, making copies of the front and back of your card will come in handy in case it is lost or misplaced. Even, saving the soft copy of the credit card on your pen drive is a good option.