Travel credit cards are great for getting upgrades on hotel rooms, access to airport lounges and being able to breeze through lines at the airport. However, if you’re like most of us this year, you weren’t able to effectively utilize your travel credit card due to travel restrictions caused by the ongoing pandemic. 

If you’re considering getting a new travel credit card in 2021, here are 4 things you should consider before making the commitment.

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This year has taught us the importance of finding out about cancellation policies before booking travel. When looking for a travel credit card, in 2021, it’s important to make sure the card allows you to get a full refund if you need to cancel a trip.

Credit card companies are seeing the importance in encouraging its customers to stay at home. Many are providing non-travel perks like credits for gym memberships, restaurants, and streaming services. 

To get the most out of your travel credit card, identify that they also offer non-travel perks in addition to travel related perks. 

Beautiful woman paying with credit card during the flight

Double check that your travel credit card offers trip insurance that covers at least part of your trip if you get sick or have to cancel. 

As the pandemic continues, many travelers are opting for road trips rather than flying. To get the most out of your travel credit card, see that they also offer car rental insurance in case the car gets damaged or stolen.

Be sure to do extensive research to ensure the travel credit card you’re signing up for will serve you and your travel needs in 2021 and beyond.