Credit Cards

Frequently asked questions

• How do I transfer credit card points?

  With many airline and hotel partners, credit card points give you the ability to choose how you want to redeem your points since they aren’t banked with just one airline. If you’re just getting started, give our beginner’s guide a read.

• Which cards offer the best insurance?

  : Some credit cards offer car, baggage, travel interruption and other kinds of insurance. These vary from card to card. We recommend doing your research before making a large purchase (including flight tickets)to ensure you’re covered in case of theft, loss or damage. Take a look at this article for more details.

• What’s the best first credit card?

  There’s no single “right” answer here, as the ideal credit card varies by person, their financial situation and their travel or cash-back goals. Our tip: Have a goal in mind, whether that’s a specific flight or trip and go from there. You can find our list of best first credit cards here.

• What’s the best card for earning points?

  While there is no “best” card for earning points, there are a few that earn more points per purchase than others. Things to consider when choosing a card for earning points: What do you spend your money on? Does any card offer bonus categories (earns more than 1 point per dollar spent) on those categories? You can find the list of our favorite travel rewards cards here.

• What’s a sign-up bonus?

  A sign-up bonus, also referred to as a welcome bonus, is a set number of points you’ll earn after signing up for a new credit card and meeting a minimum spending requirement within a set time period (usually 30-90 days from being approved for the card).

• Can I transfer airline miles?

  Unfortunately you can’t transfer airline miles or hotel points. But airline alliances and partners usually let you book flights on other airlines that are part of the same alliance as the airline your points are banked with (e.g. United is part of Star Alliance, so you can use United miles to book seats on Lufthansa, another Star Alliance airline).