I often fly Cathay Pacific, but I also choose other airlines. It's not very convenient for me to have a separate credit card for each airline, what can you suggest?

Answered on February 19, 2018
Updated on February 19, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller

Certainly, when you acquire a credit card for travel, you want it to be versatile and convenient for any needs. Unfortunately, airlines want you to be loyal and only grant you rewards when you fly that one airline. Cathay Pacific wants you to fly Cathay and therefore gives small rewards on all other purchases. That's why unless you fly Cathay Pacific only, it's unprofitable to get a Cathay Pacific Marco Polo credit card – or other airlines cards in that case.

Fortunately, you have other options apart from getting a Cathay card. You can get a travel rewards credit card and earn miles on all airlines you fly. Such cards usually give you increased rewards on all travel purchases as well as a large sign-up bonus. Miles usually don't expire and are easy to redeem. However, one downside is that travel credit cards tend to have an annual fee. If you are ok with that, it's good, just see if the rewards outweigh money lost on fees. If not, there are still attractive options for you.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT Travel Credit Cards:

What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good choice. On the one hand, this type of cards often comes with travel benefits like lounge access, free checked bag and more. On the other, airline cards often have limited redemption options - you may redeem earned miles on this airline and its partners (if it has any). Travel rewards credit cards offer more flexible redemption optins - you can...
You are right, the Allegiant credit card comes with $59 annual fee. However, they no longer charge the foreign transaction fee. If you want to have a credit card that you can use for miles earning for Allegiant Air flights, you should consider travel rewards credit cards that are not tied to any airline. These cards allow you to earn rewards on all purchases and redeem them for any flights you wish. You can also consider credit cards with no foreign transaction fees to see if there is the right credit card for you.
A foreign transaction fee is a fee that you are charged every time you use your card to make a purchase in another country. Usually this fee is charged as a percentage of the purchase - common it is 2%-3%. If you are a frequent traveler and shop abroad, it's better to apply for a credit card with a no foreign transaction fee. What is more, even if you're using your credit card to pay at a non-U.S. retailer, you may be charged a fee. Many credit card issuers don't add foreign transaction fees to their credit cards.

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