The Perks of Having a Specialty Credit Card

The Perks of Having a Specialty Credit Card

The main reason for applying for a credit card is, of course, the convenience it brings. Credit cards provide easy access to credit, so that even without cash on hand you can buy things or pay for bills. It works like cash so that there is no need to wait for loan approvals. As long as you have not exceeded your credit limit, you can keep on using your credit card as you would cash. They can be used to purchase anything you want at anytime, but more importantly they can be used during emergencies.

Aside from the convenience credits card bring, there are also other advantages to having a credit card, depending on the kind of credit card you have. Different credit cards offer different perks.

When choosing a credit card, you should compare not just interest rates and fees but also their specific perks. The reason for this is that many credit cards are equal in everything but the perks. For example, credit cards that are targeted for travelers offer flying miles for every amount spent using the credit card. These miles are accumulated and can be converted literally to the number of miles you can fly on an airline for free.

Some of the common specialty cards include:

Reward Cards. These kind of credit card offers points that can be accumulated. The accumulated points can be redeemed for various goods and services. Aside from the points, reward cards also often offer discounts at partner establishments.

Travel Cards. As mentioned above, the main idea of travel cards is to earn enough miles to be able to travel for free. Note though that there are different travel cards for different airlines, so that you should choose a travel card for the specific airline you prefer. Aside from miles, discounts with the airline are also often given.

Sports Cards. This kind of credit card offers rewards and also allows the credit card holder to support their sport, even specific leagues and teams. Some of the common sports cards in the UK are for football and rugby. Note though that sports cards offered differ for each country, depending on the popular sport in the region.

Charity Cards. A charity credit card is very different in that there is usually no advantage to the card holder except for the privilege of contributing to their favorite charity each time they purchase anything with the credit card. Donations are routed to the charity of choice automatically at no cost. Some charity cards also offer rewards and discounts.

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