 TITLE: How to Get Started With Travel Rewards Credit Cards CONTENT: What Kinds of Credit Cards Earn Travel Rewards?\n-----------------------------------------------\nTravel credit cards come in four main varieties. When getting started with rewards credit cards and putting together your travel plan, think about the type of points or miles you can get the most use out of and then pick a card that earns them.\n1.  1.  Airline credit cards: This is probably the type of travel rewards credit card most people think of first. Airlines have frequent-flier programs travelers can use to earn miles when they fly, as well as when doing things like making hotel reservations or car rentals with partner companies. Airlines also partner with banks to issue what are called co-branded credit cards. These cards not only earn frequent-flier miles on everyday purchases, but some also offer benefits like free checked bags and priority boarding.\n    2.  Hotel credit cards: Like airlines, hotels have loyalty programs and may partner up with banks to offer their members co-branded credit cards. These cards earn points as well and offer benefits like annual reward nights and automatic elite status, which in turn includes perks such as room upgrades and free Wi-Fi during stays.\n    *   Cash back credit cards: Some rewards credit cards earn cash back that cardholders can redeem for statement credits to lower their monthly bill. Certain cash back rewards cards offer a better rate of return specifically on travel, though. For example, the Capital One Venture Rewards Credit Card earns 2 miles per dollar spent on all eligible purchases. Those miles are worth 1 cent apiece when redeemed against travel charges, but may lose value if redeemed as statement credits for purchases in other categories. Still, if you're looking for a cash-back card for travel in particular, 2 cents back is a great rate of return.\n*   Transferable points cards: The final family of travel rewards cards earn what are known as transferable points that you can transfer to a number of different airline and hotel partners. One example is the Chase Sapphire Reserve® card. It earns 3 Chase Ultimate Rewards points per dollar spent on travel and dining and 1 per dollar spent on other eligible purchases. Chase Ultimate Rewards points transfer to 13 partners including airline programs like JetBlue TrueBlue and United MileagePlus as well as hotel programs such as World of Hyatt and Marriott Bonvoy. If you're not loyal to a particular airline or hotel, earning transferable points can be a great way to rack up rewards in a single loyalty program account and then transferring them to your choice of airline or hotel when you need them. END