/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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	<nav id="breadcrumb"><a href="https://baghdadtime.com/"><span class="tie-icon-home" aria-hidden="true"></span> Home</a><em class="delimiter">/</em><a href="https://baghdadtime.com/category/finance/">Finance</a><em class="delimiter">/</em><span class="current">A Guide to Travel Credit Cards for Beginners</span></nav><script type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"BreadcrumbList","@id":"#Breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"item":{"name":"Home","@id":"https:\/\/baghdadtime.com\/"}},{"@type":"ListItem","position":2,"item":{"name":"Finance","@id":"https:\/\/baghdadtime.com\/category\/finance\/"}}]}</script>
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		<h1 class="post-title entry-title">A Guide to Travel Credit Cards for Beginners</h1>

		<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">September 20, 2021</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 30 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 6 minutes read</span> </div></div><!-- .post-meta -->	</div><!-- .entry-header /-->

	
	
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<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Perhaps you’ve already obtained your self a bank card, maybe a retailer card or one which earns money again. You might need even heard of journey playing cards, like those that promise </span><span class="_2GMChG _3-to_p">airport lounge entry</span><span class="_2GMChG _3-to_p"> or earn factors for resort stays — and now your curiosity is piqued.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For somebody merely trying to dip their toes into the world of journey playing cards, the variety of choices can appear overwhelming. Let’s check out what journey bank cards are, how they work and which journey bank cards are greatest for freshmen.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What&#8217;s a journey bank card?</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are lots of various kinds of bank cards, together with money again bank cards, playing cards that supply no rewards, retailer bank cards (like a Goal-brand card) and, after all, journey bank cards.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The subset of journey bank cards could be additional drilled down into three typical varieties:</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Resort bank cards will sometimes assist you to earn factors in direction of a selected resort chain, similar to </span><span class="_2GMChG _3-to_p">Hilton</span><span class="_2GMChG _3-to_p"> or </span><span class="_2GMChG _3-to_p">Marriott</span><span class="_2GMChG _3-to_p">. Airline playing cards, likewise, will assist you to earn miles for particular airways, like </span><span class="_2GMChG _3-to_p">United</span><span class="_2GMChG _3-to_p"> and </span><span class="_2GMChG _3-to_p">Delta</span><span class="_2GMChG _3-to_p">.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Versatile level forex playing cards, nonetheless, are supplied by particular card issuers. </span><span class="_2GMChG _3-to_p">American Specific</span><span class="_2GMChG _3-to_p"> and </span><span class="_2GMChG _3-to_p">Chase</span><span class="_2GMChG _3-to_p"> are two frequent examples for this. They earn factors that you could then select to switch and redeem by way of </span><span class="_2GMChG _3-to_p">partnerships with different companies and loyalty applications</span><span class="_2GMChG _3-to_p">, together with a number of resorts and airways. This makes them way more versatile to make use of than different level currencies — therefore the identify versatile level currencies. Phrases apply.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Many journey bank cards include a welcome supply that may award you a lump sum of factors after spending a specific amount on the cardboard after a selected period of time. After this, you proceed to earn factors through the use of your bank card on purchases, identical to different kinds of bank cards.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are totally different tiers of bank cards. Whereas some </span><span class="_2GMChG _3-to_p">journey bank cards come with out an annual payment</span><span class="_2GMChG _3-to_p">, a number of playing cards do cost to have the cardboard in your pockets. These charges usually vary from $95 yearly to upwards of $550. Oftentimes, understanding the worth of the included perks and a few fast math might help you decide whether or not a selected card is price its annual payment.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">How are journey bank cards totally different from different bank cards?</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Totally different bank cards supply various kinds of advantages. Some bank cards could assist card holders construct credit score, whereas others reward you with, say, money again for spending cash on sure “classes” of buy, like eating.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Yow will discover </span><span class="_2GMChG _3-to_p">money again playing cards which might be nice for journey</span><span class="_2GMChG _3-to_p">, however many journey bank cards reward spenders in another way. Rewards come within the type of </span><span class="_2GMChG _3-to_p">factors or miles</span><span class="_2GMChG _3-to_p"> that you could then redeem in direction of journey. Observe that many journey bank cards supply different perks, too, like the flexibility to entry airport lounges, </span><span class="_2GMChG _3-to_p">resort elite standing</span><span class="_2GMChG _3-to_p"> and even an annual credit score in direction of journey purchases.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">How do journey bank cards work?</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Typically talking, you’ll wish to use your journey bank card when making purchases with the intention to earn factors or miles. A number of playing cards will supply additional bonus factors when spending your cash in particular classes or at particular manufacturers.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The </span><span class="_2GMChG _3-to_p">Hilton Honors American Specific Surpass® Card</span><span class="_2GMChG _3-to_p">, for instance, will award you 12 factors per $1 that you simply spend at Hilton. You’ll additionally obtain 6 factors per $1 spent at U.S.-based eating places, supermarkets and gasoline stations. For those who spend some huge cash in these classes, it may be simple to construct up sufficient factors for an award stick with Hilton, which begin at 5,000 factors per night time.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The </span><span class="_2GMChG _3-to_p">Hilton Honors American Specific Surpass® Card</span><span class="_2GMChG _3-to_p"> additionally offers you Gold elite standing with Hilton and as much as 10 visits per 12 months to an airport lounge with </span><span class="_2GMChG _3-to_p">Precedence Cross</span><span class="_2GMChG _3-to_p"> (enrollment required). These included advantages could be helpful, particularly since they entitle you to perks like complimentary food and drinks within the lounge when touring. Nonetheless, the cardboard does include a </span><span class="_2GMChG _3-to_p">$95</span><span class="_2GMChG _3-to_p"> annual payment. Phrases apply.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What ought to I search for in a primary journey bank card?</span></h2>
</p>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">If it meets your wants</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Why would you like a journey bank card? Are you trying to have an almost free resort keep? Do you wish to earn factors for an award flight to Europe? Are you in search of perks like elite standing and airport lounge entry?</span></p>
</div>
<div class="_1aefop">
<p><span class="_1b9uhc _25K9cf _2tUimO _2GMChG _2Q7PoN" data-currency="Text"><span class="_2TEgi3 _25K9cf _2GMChG" data-currency="Text">Nerdy tip: </span><span class="_1b9uhc _25K9cf _2tUimO _2GMChG _3-to_p"><span class="_1b9uhc _25K9cf _2tUimO _2GMChG _3-to_p">The explanations you desire a card will dictate which is an effective journey bank card for you. There are many bank card journey hacking ideas, however an important factor is to think about what, precisely, you’re trying to obtain.</span></span></span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">If it’s brand-specific or versatile</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If none of those apply and also you aren’t notably loyal to anyone model — resort or airline — then it could make sense to as a substitute put money into a card that provides a versatile level forex.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The </span><span class="_2GMChG _3-to_p">Chase Sapphire Most well-liked® Card</span><span class="_2GMChG _3-to_p"> is a wonderful starter choice. It’s at the moment providing an all-time excessive welcome supply: </span><span class="_2GMChG _3-to_p">Earn 100,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $1,250 once you redeem by Chase Final Rewards®.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You&#8217;ll be able to then redeem these factors by way of the Chase journey portal at a price of 1.25 cents every, or you may switch them to one in every of Chase’s companions — like United or Hyatt — and redeem them for award journey. In layman&#8217;s phrases, which means that the welcome supply above will probably be price not less than $1,250 in journey if you happen to redeem them on the Chase journey portal.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Though it comes with a </span><span class="_2GMChG _3-to_p">$95</span><span class="_2GMChG _3-to_p"> annual payment, you’ll obtain a $50 anniversary credit score in direction of a resort buy made by way of the Chase journey portal. You’ll additionally be capable of earn 5 factors per $1 spent on the Chase journey portal and three factors per $1 on eating, choose streaming providers and on-line grocery purchases at eligible supermarkets.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Altogether, this makes it top-of-the-line journey bank cards for freshmen. It’s simple to make use of and makes it easy to each earn and redeem your factors.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">If it matches your price range</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">As you store round, account for the potential ongoing value of including a selected journey bank card to your lineup. Since annual charges (and subsequent card advantages) fluctuate considerably, it’s as much as you to be a wise shopper and discover a card that matches your price range.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who’re a first-time journey bank card proprietor, it is smart to be hesitant to leap on a </span><span class="_2GMChG _3-to_p">premium journey bank card</span><span class="_2GMChG _3-to_p"> with a hefty annual payment. Begin with one thing smaller so to construct your information of factors and miles, and save the extra sophisticated redemptions for the long run.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">If it feels manageable</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">It might be unwise to get a journey bank card simply to skip utilizing the factors and miles for redemptions. For those who’re feeling overwhelmed by the considered managing a forex, take into account as a substitute a less complicated choice like a cash-back card.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">Do I would like a journey bank card?</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">No, you don’t want a journey bank card. There are </span><span class="_2GMChG _3-to_p">professionals and cons to spending on bank cards</span><span class="_2GMChG _3-to_p">, and each particular person’s circumstances will probably be totally different. There are lots of kinds of journey bank cards, and if you happen to look laborious sufficient, you’re more likely to discover a good match for you and your journey preferences.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Nonetheless, none of them will probably be price a lot to you if you happen to don’t plan to journey.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who’re dedicated to touring not less than yearly, a journey bank card may very well be  choice for you. The advantages they supply might help you take pleasure in deeply discounted holidays and offer you entry to perks that make journey extra handy or snug.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">The underside line</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Journey bank cards generally is a helpful monetary device for many who wish to lower your expenses once they journey. They will additionally assist add premium journey advantages to your holidays, like the prospect to get free room upgrades and entry cozy airport lounges with complimentary food and drinks.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who’re trying to begin investing in a journey bank card, first determine what you want. Whether or not it’s resort stays or flights, the cardboard you select needs to be dictated by your targets. When you’ve chosen the one you need, merely put your common purchases in your card (intention to spend well by being attentive to your card’s bonus classes) and watch these factors construct up for redemption.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="HWTE0M _2GMChG _3-to_p"><span class="_2GMChG _3-to_p">To view charges and costs of the </span><span class="_2GMChG _3-to_p">Hilton Honors American Specific Surpass® Card</span><span class="_2GMChG _3-to_p">, see </span><span class="_2GMChG _3-to_p">this web page</span><span class="_2GMChG _3-to_p">.</span></span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">The best way to Maximize Your Rewards</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You desire a journey bank card that prioritizes what’s necessary to you. Listed below are our picks for the </span><span class="_2GMChG _3-to_p">greatest journey bank cards of 2021</span><span class="_2GMChG _3-to_p">, together with these greatest for:</span></p>
</div>
</div>
<p><a href="https://www.nerdwallet.com/article/travel/travel-credit-cards-for-beginners-guide">Source link </a></p>

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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-09-20T19:48:28+00:00","datePublished":"2021-09-20T19:48:28+00:00","dateModified":"2021-09-20T19:48:28+00:00","headline":"A Guide to Travel Credit Cards for Beginners","name":"A Guide to Travel Credit Cards for Beginners","keywords":"Beginners,Cards,Credit,Guide,Travel","url":"https:\/\/baghdadtime.com\/a-guide-to-travel-credit-cards-for-beginners\/","description":"Perhaps you\u2019ve already obtained your self a bank card, maybe a retailer card or one which earns money again. You might need even heard of journey playing cards, like those that promise airport lounge","copyrightYear":"2021","articleSection":"Finance","articleBody":"Perhaps you\u2019ve already obtained your self a bank card, maybe a retailer card or one which earns money again. You might need even heard of journey playing cards, like those that promise airport lounge entry or earn factors for resort stays \u2014 and now your curiosity is piqued.For somebody merely trying to dip their toes into the world of journey playing cards, the variety of choices can appear overwhelming. Let\u2019s check out what journey bank cards are, how they work and which journey bank cards are greatest for freshmen.What's a journey bank card?There are lots of various kinds of bank cards, together with money again bank cards, playing cards that supply no rewards, retailer bank cards (like a Goal-brand card) and, after all, journey bank cards.The subset of journey bank cards could be additional drilled down into three typical varieties:Resort bank cards will sometimes assist you to earn factors in direction of a selected resort chain, similar to Hilton or Marriott. Airline playing cards, likewise, will assist you to earn miles for particular airways, like United and Delta.Versatile level forex playing cards, nonetheless, are supplied by particular card issuers. American Specific and Chase are two frequent examples for this. They earn factors that you could then select to switch and redeem by way of partnerships with different companies and loyalty applications, together with a number of resorts and airways. This makes them way more versatile to make use of than different level currencies \u2014 therefore the identify versatile level currencies. Phrases apply.Many journey bank cards include a welcome supply that may award you a lump sum of factors after spending a specific amount on the cardboard after a selected period of time. After this, you proceed to earn factors through the use of your bank card on purchases, identical to different kinds of bank cards.There are totally different tiers of bank cards. Whereas some journey bank cards come with out an annual payment, a number of playing cards do cost to have the cardboard in your pockets. These charges usually vary from $95 yearly to upwards of $550. Oftentimes, understanding the worth of the included perks and a few fast math might help you decide whether or not a selected card is price its annual payment.How are journey bank cards totally different from different bank cards?Totally different bank cards supply various kinds of advantages. Some bank cards could assist card holders construct credit score, whereas others reward you with, say, money again for spending cash on sure \u201cclasses\u201d of buy, like eating.Yow will discover money again playing cards which might be nice for journey, however many journey bank cards reward spenders in another way. Rewards come within the type of factors or miles that you could then redeem in direction of journey. Observe that many journey bank cards supply different perks, too, like the flexibility to entry airport lounges, resort elite standing and even an annual credit score in direction of journey purchases.How do journey bank cards work?Typically talking, you\u2019ll wish to use your journey bank card when making purchases with the intention to earn factors or miles. A number of playing cards will supply additional bonus factors when spending your cash in particular classes or at particular manufacturers.The Hilton Honors American Specific Surpass\u00ae Card, for instance, will award you 12 factors per $1 that you simply spend at Hilton. You\u2019ll additionally obtain 6 factors per $1 spent at U.S.-based eating places, supermarkets and gasoline stations. For those who spend some huge cash in these classes, it may be simple to construct up sufficient factors for an award stick with Hilton, which begin at 5,000 factors per night time.The Hilton Honors American Specific Surpass\u00ae Card additionally offers you Gold elite standing with Hilton and as much as 10 visits per 12 months to an airport lounge with Precedence Cross\u00a0(enrollment required). These included advantages could be helpful, particularly since they entitle you to perks like complimentary food and drinks within the lounge when touring. Nonetheless, the cardboard does include a $95 annual payment. Phrases apply.What ought to I search for in a primary journey bank card?If it meets your wantsWhy would you like a journey bank card? Are you trying to have an almost free resort keep? Do you wish to earn factors for an award flight to Europe? Are you in search of perks like elite standing and airport lounge entry?Nerdy tip: The explanations you desire a card will dictate which is an effective journey bank card for you. There are many bank card journey hacking ideas, however an important factor is to think about what, precisely, you\u2019re trying to obtain.If it\u2019s brand-specific or versatileIf none of those apply and also you aren\u2019t notably loyal to anyone model \u2014 resort or airline \u2014 then it could make sense to as a substitute put money into a card that provides a versatile level forex.The Chase Sapphire Most well-liked\u00ae Card is a wonderful starter choice. It\u2019s at the moment providing an all-time excessive welcome supply: Earn 100,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $1,250 once you redeem by Chase Final Rewards\u00ae.You'll be able to then redeem these factors by way of the Chase journey portal at a price of 1.25 cents every, or you may switch them to one in every of Chase\u2019s companions \u2014 like United or Hyatt \u2014 and redeem them for award journey. In layman's phrases, which means that the welcome supply above will probably be price not less than $1,250 in journey if you happen to redeem them on the Chase journey portal.Though it comes with a $95 annual payment, you\u2019ll obtain a $50 anniversary credit score in direction of a resort buy made by way of the Chase journey portal. You\u2019ll additionally be capable of earn 5 factors per $1 spent on the Chase journey portal and three factors per $1 on eating, choose streaming providers and on-line grocery purchases at eligible supermarkets.Altogether, this makes it top-of-the-line journey bank cards for freshmen. It\u2019s simple to make use of and makes it easy to each earn and redeem your factors.If it matches your price rangeAs you store round, account for the potential ongoing value of including a selected journey bank card to your lineup. Since annual charges (and subsequent card advantages) fluctuate considerably, it\u2019s as much as you to be a wise shopper and discover a card that matches your price range.For those who\u2019re a first-time journey bank card proprietor, it is smart to be hesitant to leap on a premium journey bank card with a hefty annual payment. Begin with one thing smaller so to construct your information of factors and miles, and save the extra sophisticated redemptions for the long run.If it feels manageableIt might be unwise to get a journey bank card simply to skip utilizing the factors and miles for redemptions. For those who\u2019re feeling overwhelmed by the considered managing a forex, take into account as a substitute a less complicated choice like a cash-back card.Do I would like a journey bank card?No, you don\u2019t want a journey bank card. There are professionals and cons to spending on bank cards, and each particular person\u2019s circumstances will probably be totally different. There are lots of kinds of journey bank cards, and if you happen to look laborious sufficient, you\u2019re more likely to discover a good match for you and your journey preferences.Nonetheless, none of them will probably be price a lot to you if you happen to don\u2019t plan to journey.For those who\u2019re dedicated to touring not less than yearly, a journey bank card may very well be  choice for you. The advantages they supply might help you take pleasure in deeply discounted holidays and offer you entry to perks that make journey extra handy or snug.The underside lineJourney bank cards generally is a helpful monetary device for many who wish to lower your expenses once they journey. They will additionally assist add premium journey advantages to your holidays, like the prospect to get free room upgrades and entry cozy airport lounges with complimentary food and drinks.For those who\u2019re trying to begin investing in a journey bank card, first determine what you want. Whether or not it\u2019s resort stays or flights, the cardboard you select needs to be dictated by your targets. When you\u2019ve chosen the one you need, merely put your common purchases in your card (intention to spend well by being attentive to your card\u2019s bonus classes) and watch these factors construct up for redemption.To view charges and costs of the Hilton Honors American Specific Surpass\u00ae Card, see this web page.The best way to Maximize Your RewardsYou desire a journey bank card that prioritizes what\u2019s necessary to you. Listed below are our picks for the greatest journey bank cards of 2021, together with these greatest for:\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/a-guide-to-travel-credit-cards-for-beginners\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/09\/GettyImages-1305615921-1440x864.jpg","width":1440,"height":864}}</script>
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