Travel hacking is all the rage these days. The idea is that if you like to travel, you get a credit card that offers rewards points on your every day (and travel related) purchases. Over time, you accumulate a certain number of miles and can use those miles to travel the world. Without paying a single cent on tickets. If this sounds like something you’d be interested in, read on. Because DEXSTA Federal Credit Union offers one of the best travel credit cards in Delaware.

The Best Travel Credit Cards in Delaware

Look for Credit Cards with Travel Rewards

One of the most important things to look at when considering a credit card is the returns you will receive from it. And if you’re interested in traveling, you’ll want to be able to receive those returns in the form of airfare and hotels. Here’s how it works: For every dollar you spend, your credit card will reward you one point. Later on, those points can be used as currency for plane tickets and hotel rooms.

Avoid High-Interest Rates and Fees

But there’s a catch. Most credit card companies are happy to offer travel rewards, but they do so knowing they will make money from you in other ways. Balance transfer fees, over-the-limit fees, annual fees, and cash advance fees are expensive. Over time you may end up paying for the cost of your airfare in fees alone. That’s why we can’t recommend enough choosing a credit union for your credit card needs.

As a not-for-profit organization, DEXSTA Federal Credit Union provides travel credit cards—without a catch. Our DEXSTA Visa Platinum Rewards card offers travel rewards without balance transfer fees, over-the-limit fees, annual fees, or cash advance fees. Not only that, but our credit card users enjoy low-interest rates. In fact, we offer an introductory rate of 2.99% for the first 12-months (and the benefits continue even after that).

Use Your Points for Travel

When it comes to travel hacking, there are a few rules of thumb you’ll want to remember. The first is to use your credit card for every purchase. Every dollar you spend could be a point earned for travel. So use your credit card to pay bills, purchase groceries, go out to dinner, and every other expense you can think of. Over time those points will add up and you can log on to your credit card provider to purchase airfare.

The second rule is to use your miles for international travel, rather than domestic travel. Though both experiences can be worthwhile, you’ll generally get more bang for your buck the farther you travel. As an example, a domestic trip that ordinarily costs $250 might cost 25,000 points. An international trip that ordinarily costs $4,500 might cost 80,000 points. In the former scenario, one point is worth one cent. In the latter scenario, one point is worth five cents.

If you are interested in traveling—stop by one of our branches to apply for one of our credit cards in Delaware. We’d be happy to help you get a credit card that gives back.