I Travel Often, But an Airline Credit Card Isn't the Best Rewards Credit Card for Me. Here's Why

Traveling is one of my favorite ways to spend my free time, so I budget a portion of my income for future travel purchases. I enjoy visiting new-to-me destinations, eating different foods, and experiencing the excitement of exploring a new place for the first time.

Since I travel often, I'm a big fan of using credit cards to earn rewards. For some travelers, an airline credit card is the best option. However, using a travel credit card is ideal for my travel style. Let me explain why I prefer travel credit cards over airline credit cards.

I'm not loyal to one airline

Some travelers fly with one particular airline whenever possible. They may prefer the airline's products and customer service or have more direct-flight options from their home airport.

My city isn't a hub for any of the major U.S. carriers, and I tend to fly to destinations all over the globe, so I'm not set on one carrier. Since I fly with different airlines, using one of the best airline credit cards doesn't make sense.

Many airline credit cards include airline-specific perks and reward cardholders when they make purchases with a particular airline. As you can see, my spending habits and travel style don't align with the need for an airline card. That's why I prefer using a general travel credit card.

I like to travel light

I often book a round-trip flight to one international destination and then book train rides or other flights to nearby cities so I can explore multiple destinations during my vacations. The last thing I want to worry about is lugging around multiple suitcases between destinations.

This is one of many reasons I prefer to travel with only a carry-on bag when flying. Plus, I don't want to risk losing a checked bag or waste time waiting for my bag after arriving on a lengthy flight. Some airline credit cards include free checked bag perks. Since I rarely check a bag when flying, this isn't a valuable credit card benefit for me, and it would go unused.

I value flexibility

I like to be in control when making travel plans. That includes being able to choose a flight that best meets my needs. As an airline credit card user, I might feel pressure to book with a particular airline more frequently. But with a travel rewards credit card, I can earn rewards on airline purchases made with my card, regardless of the carrier chosen.

Plus, I can book a flight that fits my budget and travel style for a more enjoyable experience. Here's another way travel credit cards offer more flexibility: I have more control when redeeming my credit card rewards. For example, I can book a flight or hotel room with an airline or hotel brand of my choosing instead of being restricted to only one brand.

Keep your travel style in mind

Consider your travel style before applying for a credit card with travel rewards. Your travel preferences impact the credit card that is best for you. For some, an airline credit card may be an ideal solution if you typically always fly with your favorite airline.

However, a general travel rewards credit card may be best for travelers with varied travel spending and those who want greater flexibility. Check out our list of the best travel rewards credit cards to learn more and compare several options.