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Take your travel hacking to the next level by choosing a card that offers perks like cash back, credit card travel insurance, and VIP concierge services.

Anyone who's logged some miles travelling knows that it can be one of the most rewarding ways to spend your money. "Things" get old, broken, or lost. But travelling gives you experiences and memories that you'll carry forever.

That said, travelling can be stressful, and between hotels, flights, and activities, it takes a lot of time and money to plan a trip.

If you're a frequent traveller, take the next step to make travelling easier and more fulfilling: use a credit card with perks like concierge services, credit card travel insurance, and more.

A travel credit card is just like any other credit card, but with one major difference — it offers perks and travel insurance coverage that make travelling more affordable and comfortable. Some travel credit cards have an annual fee, but they can also have a cash back program to reward your spending and help you save money for your next trip.

Here are four perks you'll find in the best credit card for frequent travellers.

If you're going to explore the world, why not get a credit card that helps you squeeze the value out of every dollar you spent on travel? Travelling more than once a year means you'll probably spend thousands of dollars on those trips. Maximize that spending with cash back rewards on your travel costs. Cash back credit cards work by letting you earn back a percentage (say 2%) of your spending. Some credit cards also reward everyday spending — think gas and groceries — while others specifically reward travel spending on hotels, flights, and cruises.

Travelling is an incredibly exciting and rewarding experience, but it can also be stressful. Unexpected events like lost baggage, flight delays, and health emergencies can ruin your trip or even leave you stranded. Fortunately, many travel credit cards offer credit card travel insurance.

It couldn't be much simpler. Typically, if you charge your flight and hotels to your credit card, you're covered by a variety of travel insurance options. Start by checking to see what your travel insurance coverage your card provides, then, as long as you pay for your trip with your travel credit card, you're likely covered.

Every credit card is different and offers different insurance coverage, so if you're considering getting a travel credit card, make sure you read the fine print first. You may have to balance out your costs: credit cards with annual fees generally offer more coverage. Here are some types of travel insurance to look out for:

• Baggage loss and delay
• Trip interruption
• Flight delay
• Emergency medical coverage
• Rental car damage coverage
  

The best part about credit card travel insurance vs. travel insurance you can purchase is that credit card travel insurance is completely free. Again, as long as you know what your card covers, and you book your trip on that credit card, not only could you be covered automatically, but you can save money, too.

Some travel credit cards offer personal concierge services, who can help you find an awesome hotel, set up reservations at a new restaurant, or secure tickets to the latest theatre show or event.

Planning and saving money are the two most important parts of organizing travel, but those are just the basics. Adding a credit card with travel perks to your financial arsenal is an easy way to take your travel hacks to the next level. It’s an easy way to get travel insurance coverage, rewards to help you save for your next trip faster, and extra perks to make your overall travel experience more fun. Just make sure to pay off the balance every month to avoid those pesky interest charges.

Looking for a premium travel credit card with accelerated cash back perks? We've got you covered.