Top 4 Travel Credit Cards for People with Poor Credit
Leaving home without a travel-based credit card is not something you can associate with a seasoned traveler. These cards offer a lot of benefits, value, and perks to people whether they are traveling or at home. You can always search online for the best deals and cards from different service providers.
Things can be very difficult for you while traveling without a credit card. Most importantly, if you are someone with poor credit, you may find it equally difficult to get credit card approval.
However, here are the top 4 travel credit cards that can get you amazing rewards and take care of your purchasing needs whether you travel often or occasionally.
1 - LATAM Secured Credit Card
Talking about some of the best choices for international travelers, LATAM’s secured credit card will be a highly preferred option. LATAM Airlines flies to many destinations in South and North America as well as international destinations that include Eastern Asia, South Africa, Western Europe, and Australia.
You will deposit a specified amount for the secured credit card. That amount you deposit will serve as a limit for your credit card. Moreover, the company will return the deposited amount to you with interest if you switch to the unsecured credit card. However, if you want to improve your credit score, then secured cards are a preferable option.
Visa backs the LATAM secured credit card, and you can use it everywhere Visa is accepted. Apart from using your card for booking flights on LATAM airlines, you can use the card for your routine purchases as well as buy anything around the globe.
The APR for this card is on the higher side and may reach up to 25.24%, with $25 as its annual fee (which is waived in the first year). A secured card is a good option if you plan to pay off your card monthly, build up your credit, and get some awesome rewards.
LATAM secured card brings the following rewards for you:
• One point for every single dollar you spend.
• A discount of 10 percent on LATAM airlines cost and that too with a $500 yearly cap.
• 5000 bonus points on making your first purchase.
Apart from that, you will be covered with $500,000 of travel accident insurance and an auto rental collision damage waiver included. You will be switched to the unsecured card by U.S. Bank after one year of responsible usage of the secured card.
2 - Aeromexico Secured Credit Card
A secured credit card, Aeromexico Visa, has sponsorship from Aeromexico Airlines. The airlines offer its services in 50 different destinations in Mexico, numerous travel hubs in America, and several other destinations in Europe, Asia, and South America. If you love to travel to warmer places, Aeromexico can be your go-to option.
You can get a secured card by depositing an amount between $300-$5000. This amount is actually deposited into an FDIC-insured account for building markup. Using your card appropriately for 12 months will switch you to an unsecured credit card. Moreover, after moving to an unsecured card, you will get your deposit back with accumulated interest.
This card charges $25 as an annual fee, but it offers many amazing benefits that include automatic bill payment and fraud protection. Moreover, you will get other benefits such as an auto rental collision damage waiver, travel and emergency assistance, and travel accident insurance.
Here are some additional perks of using this Visa card:
• 3500 bonus points on making your first purchase.
• One point for every single dollar you spend, and if you spend it on gas and groceries, you will get two points.
• $99 companion traveler certificate after every renewal.
• Baggage fee waiver on travelling through Airmexico.
3 - SKYPASS Secured Credit Card
SKYPASS secure Visa is a loyalty program for Korean Air. Korean Air operates in almost a dozen destinations in different parts of Eastern Asia. Moreover, the airlines extend its services to a few destinations in Europe and the southern Pacific, and 13 different locations in the U.S.
SKYPASS makes traveling on Korean Airlines a very rewarding activity. Not only this, but SKYPASS secured credit card is also very rewarding for your routine purchases. Here are some of the perks you can enjoy with this card:
• 5000 bonus points on making your first purchase.
• At every renewal, you will get 1000 bonus miles.
• One point for every single dollar you spend.
• A maximum of $250,000 travel accident insurance.
• Complete fraud protection
• No redemption mileage cap
• Travel and emergency help
SKYPASS secured credit card's annual fee is $50, but with a comparatively lower APR (up to 18.49 percent), it becomes quite an attractive option for travelers.
4 - Best Western Secured Credit Card
Best Western collaborates with hundreds of premium and mid-range hotels all over the U.S. and several international destinations.
If you are looking to build up your credit and enjoy your stay at the same time, then the Best Western credit card is an excellent option. You can use the card at every location that accepts MasterCard. The purchase APR is 21.24%, while the annual fee is $40. Here are some mentionable benefits of using this card:
• 5000 bonus points on making your first purchase.
• One point for every single dollar you spend.
• You will get three points for spending one dollar at Best Western, and ten extra points for every dollar spent when it is combined with your Best Western Rewards account.
Choose The Secured Option For You
If you are looking for credit repair or building credit for the first time, then a secured card is a highly recommended option for you. The best thing about the secured card is that it is backed by globally recognized names, including MasterCard and Visa. A secured credit card also allows you to travel cash-less because you can do all the purchasing with it.
These above-mentioned secure cards are not only useful for credit building but are equally handy for international traveling.
1. https://www.investopedia.com/terms/s/securedcard.asp
2. https://creditcards.usnews.com/us-bank/latam-secured-visa-card
3. https://cardcruncher.com/credit-cards/u.s.-bank/aeromexico-visa-secured-card-124
4. https://www.skypassvisa.com/credit/visaSecuredCard.do
5. https://www.askmrcreditcard.com/secured/best-western/
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