How Can Your Credit Card Save You Money On Holiday Travel

Oct 25, 2022

Last Updated on: Oct 18, 2024

Travel Guides

Credit card is a convenient way of banking. It has made banking easy over the course of years. They can also save you money if you know how to use them effectively. 

Credit cards will allow you to have funds to pay for goods and services. If you have ever used a credit card, you would know that you can buy things without spending any of your money initially. Are you thinking about debt compilation on credit cards? You can strategize to enjoy luxury on a budget. However, credit card holders are expected to repay the borrowed money and a little additional interest later.

Types Of Credit Cards

There are some major types of credit cards which also include Visa, Mastercard, and other types of Discover, along with American Express. 

They are issued by different banks, credit unions, and other financial institutions to attract customers by providing them incentives such as hotel room bookings, gift cards, discounts, airline miles, and cash back on purchases.

Credit cards will reward their users for ensuring customer loyalty. Some stores even offer credit cards so that customers can purchase from retailers. They will provide customers with promotional notices, special sales, discounts, and other perks. 

Some credit card users will be allowed a separate cash line of credit (LOC) so that they can borrow cash money in advance using a credit card. However, cash advances have some disadvantages, including higher interest rates and no grace period.

How Can Credit Cards Save You Money On Travel Holidays?

Credit cards are a good way to spend money on holidays. 

Here are the ways you can use credit cards to save money. You can get details about credit card spending.

Transfer Balances

If you are using a credit card with a humongous balance and a higher interest rate. Then you can transfer that amount to a credit card with lower interest rates. This 0% APR balance transfer will offer you some time to ease up your payment with accumulating interest. 

According to data, if you move a $3,000 balance at 17% to a credit card with a 0% APR, you will save upto $400. After that, if you pay on a monthly basis, you will end up gaining money in the process.

Credit Card & Rewards

If you are accustomed to paying with credit cards on holidays. Then you should use a reward credit card to save yourself some money. If you are using a reward credit card during holiday seasons, you can earn rewards, points, miles, and cash back rewards for your every payment. 

The more you use these reward cards to purchase, the more you will earn points and save money. Some reward cards even allow cash back on eligible purchases. You can redeem those points to travel or to buy more merchandise. 

However, reward cards will have annual fees that you have to pay at the year-end. So, you can manage your finances according to your needs by comparing the values of the yearly rewards and the annual payment fee.

Some reward cards will not offer you a grace period. A grace period is considered the time between the last billing cycle and the date of due payment. During this time, the credit card issuer might not charge you any interest since you are supposed to pay your balance on the expected day.

Interest Rates

You can use a card with a 0% introductory rate, where you won’t be charged interest on purchases for a certain time period. You can pay off your credit card balances before the due date to avoid interest rates. 

In introductory offers, you are expected to make payments on time. If you make late payments, your introductory officer can revoke the offer. They can impose interest rates on the remaining balances. So, pay even a minimal amount before the due time.  

If you want to avoid paying any extra charges during your 0% promotional introductory offer, then you should calculate each amount you have to pay on a monthly basis. So that you can reach a 0 balance when the introductory offer ends.

You can Avail Balance Transfer Offer

Balance transfer offers are similar to that promotional interest rates, but instead of making any purchase, you are expected to pay your already existing credit card debt. 

A balance transfer card will let you move your remaining balance from one credit card to another one. However, the amount of balance you can move depends on the transfer limit. 

Some credit card companies will charge minimal fees to complete the transfer. The fees range from 3-5% of the transferred amount. If you are managing finances on a holiday evening, you should calculate the amount you need to transfer.

Track Every Purchase

You should be tracking your every purchase. No, you don’t have to write down your every purchase but tracking is an easier option with credit cards. 

You can simply log into your online account using a credit card and review the statement. If you are aware of your spending data, then it can be easier to calculate the amount you have to repay in the end. 

You can check your account statement and categorize your expenses to build a budget that suits you.

You Can Earn Free Travel For Your Holidays Too!

When it comes to travel, it is very important to manage finances. However, spending a lot of cash on the way to travel can get stressful. 

However, the reward credit cards will allow you to have a smooth ending in the holiday season. You can earn miles or points you can redeem for a free flight and hotel stay. 

These free flights can also be used for annual vacations and travel. You can even avail of car rental agencies if you are not too keen on flying. 

A credit card can be a fitting approach for arranging that holiday travel you’ve been planning for a long time. There are also cashback benefits that can save you a lot of money. And you can also benefit from repaying your credits till your grace period lasts. 

Read Also:

Share on Social Media

Subham Shah is a marketing professional tasked with managing different facets of digital marketing. He helps businesses with different SaaS startups, their planning, and execution. He might be a millennial but has a soft heart of old-school hard rock and metal music.

Leave a Reply

Your email address will not be published. Required fields are marked *

title-img Related

READ MORE Pigeon Forge

Top 7 Outdoor Adventures In Pigeon Forge You Can’t-Miss

BY  Ankita Nov 29, 2023

Nestled amid stunning Appalachian Mountain landscapes, Pigeon Forge provides endless options for adrenaline-filled outdoor recreation beyond notable music venues and dinner shows. From outdoor snow tubing to towering ziplines, this destination proves ideal for thrill-seekers craving gorgeous panoramic settings across adventures. Here Are Seven Best Outdoor Adventures In Pigeon Forge You Can't Miss The area offers outdoor activities for all interests, skill levels, and ages beyond regional tourist draws. This comprehensive guide showcases seven exciting outdoor pursuits enticing any visitor to deeply experience Pigeon Forge’s admirable natural splendor legacy from new awe-inspiring angles. 1. Pigeon Forge Snow: Year-Round Indoor Snow Tubing In the heart of Pigeon Forge lies a unique attraction that promises year-round winter fun: Pigeon Forge Snow. This one-of-a-kind facility brings the excitement of snow tubing indoors, allowing visitors to enjoy the thrill of sliding down snowy slopes regardless of the season. The magic of this place is in its ability to maintain a winter wonderland atmosphere all year, offering an excellent escape from the summer heat or a winter adventure without the chill. What sets Pigeon Forge Snow apart is its climate-controlled environment and suitability for all ages, making it an ideal destination for family outings or even a snow tubing birthday party. Imagine celebrating a special day whizzing down snow-covered lanes, followed by laughter-filled snowball fights, without worrying about weather conditions. This venue merges the joy of snow sports with the convenience of an indoor setting, ensuring every visit is filled with memorable and exhilarating experiences. 2. Hiking in the Great Smoky Mountains The crowned jewel of Pigeon Forge’s wealth of outdoor adventure options is undoubtedly the magnificent Great Smoky Mountains National Park, covering over 500,000 protected acres filled with rugged Appalachian Mountain landscapes and terrain. Choose from over 800 miles of diverse scenic trails spanning tranquil lush rainforests, panoramic mountain peaks, and breathtaking roaring waterfalls perfect for hikers of every age and skill level. Both casual travelers and avid peak baggers find plenty of hiking adventure in the park. Classic routes like the Laurel Falls Trail, Abrams Falls, and a walk to historic Cades Cove showcase stunning nature payoffs available after just a few miles. Meanwhile, fitness die-hards can challenge stamina by hiking 16 long miles roundtrip to summit impressive Mount LeConte's towering 6,593 feet. Wandering through this environmentally rich biodiverse wonderland area never disappoints in terms of sweeping views. From plentiful wildlife sightings across fields to stumbling upon hidden wildflower meadows, the diversity continues impressing visitors for decades and decades to come through well-maintained trails. 3. Ziplining Adventures For high-flying thrills, experience Pigeon Forge's gorgeous vistas alongside steep vertical descents across the thick verdant tree canopies with area ziplining adventures. Strap securely into climbing harnesses and helmets to safely soar down elevated steel lines, allowing you to masterfully navigate multiple adrenaline-pumping ziplines showcasing glorious Smoky Mountain forest, river, and ravine landscapes 2,000 feet up through breathtaking unobstructed panoramic angles. Between ziplines, elevated sky bridges transport you effortlessly between courses across jaw-dropping scenic platforms surrounded by mountainous valleys as expert guides share fascinating details about the ecology and terrain. The result feels daring yet comfortably smooth under the assurance of trained climbing professionals dedicated fully to maximizing your rich environmental views and exhilarating emotive sensations sliding with regulated speeds. 4. White Water Rafting on the Pigeon River For those bold, adventurous souls still seeking extra extreme outdoor thrills during their Pigeon Forge getaway, consider facing 12 miles of rowdy swelling Class III and Class IV rapids by signing up to tackle rafting daily expeditions along the winding Pigeon River! Groups of 6 to 12 participants paddle inflatable rafts as teams work together across the gorgeous river terrain, bobbing and weaving between spectacular boulder outlooks and stunning Blue Ridge Mountain backdrops. This water activity lets you dive right into the action, witnessing East Tennessee's natural majestic mountain waters from engaging new low-altitude angles. While providing a thrilling ride, reputable rafting tour companies like Raft One employ only the most experienced, fun-loving guides to man the paddling commands and expertly steer rafts straight through the most challenging rapids and tight passages along the cliffs safely with their knowledge of the river. 5. Horseback Riding For travelers desiring more gentle and intimate interaction experiencing Pigeon Forge’s exquisite wilderness independently, saddle up for a delightful afternoon escaping into the forests and countryside by horseback. Various local outfitters offer visitors guided horseback riding exploration trips winding at calming paces through sun-dappled alpine forests, verdant meadows, and the sprawling foothills of the glorious Smoky Mountains to feel completely transported, experiencing iconic Appalachian nature at smooth equestrian speeds. From beginner-friendly wilderness rides in secluded oak woodlands like those gently offered by Blanton Forest Horseback Rides to hour-long weekend Smoky Mountain guided tours better suited for intermediate-level riders and equestrians, Pigeon Forge stables like Five Oaks Ranch provide quintessential smoky mountain vacations centered on 40+ years respectfully showcasing the region's spectacular environmental legacy and local horsemanship at its finest. Related: Exploring Pigeon Forge As A Weekend Getaway 6. Mountain Coaster Rides A uniquely exhilarating alternative to traditional rollercoasters, round up your family or circle of friends visiting Pigeon Forge to experience tackling the staggering 4,000-foot precipitous near vertical elevation drop racing straight down alongside rocky scarps and beautiful streams aboard the impossibly fun mountain monster thrill coaster located directly within town limits. Riders feel intensified coaster forces directly by manually “driving” individual coaster cars completely independently, personally controlling faster acceleration speeds or braking cautiously through each sharp turn's plunging dips, numerous 360° corkscrews, and countless free-falling camelback moments all dictated by your selected adrenaline-chasing comfort across 3,500 cumulative thrilling feet of gravity-driven monorail track hovering through the dense forest. Mountain coasters like this bring many nonstop grins across most age groups and orientations. 7. Dollywood Lastly, no extensive guide of quintessential iconic attractions found within Pigeon Forge itself feels entirely complete without discussing the enormously popular thrilling theme park Dollywood located just minutes from downtown. People travel incredibly far distances just to experience their award-winning outdoor rides like Tennessee Tornado, Mystery Mine, and Dragonflies rollercoasters, deliberately designed masterfully to whip riders daringly through the authentic towering Smokies themselves! With additional shows, art demonstrations and concerts continually happening routinely across the park, even long waits next to various roller coasters continue rousing fun and local connections. Neighboring water park Dollywood’s Splash Country provides necessary summer heat relief while continuing friendly Appalachian-themed thrills through numerous towering slippery slides slicing through refreshing waterfalls. Combined, both flagship Dollywood parks offer families and outdoor thrill-seekers nearly endless amounts of entertainment possibilities fully immersed just steps away from the gorgeous natural forests and wilderness that have characterized the signature Smoky Mountain region since the frontier days. It's no wonder crowds return happy year after year! Conclusion In conclusion, Pigeon Forge and the surrounding vista-rich Appalachian Mountain landscapes deliver unlimited options supporting active thrill-seeking and challenging outdoor recreation rivaling any major global destination. From tranquil wildflower-lined hiking trails to daring whitewater rafting expeditions navigating Class 4 rapids, this eastern Tennessee vacation hub offers exhilarating excursions featuring renowned southern hospitality. Ultimately, balancing these physically demanding adventures with equal amounts of relaxing downtime, enjoying stellar comfort foods, regional arts and crafts demonstrations, plus live music performances, all reflecting local cultures and traditions. Pigeon Forge continues growing into the ideal quintessential family outdoor vacation destination that visitors return to faithfully enjoy year after year as annual traditions, always finding new hidden gems and welcoming surprises along the way. Start planning your own Smoky Mountain adventures exploring untamed wilderness now while basking in expedient modern conveniences! Read Also: Your Guide To The Perfect Pigeon Forge Vacation 6 Tips For Experiencing The Best Of Pigeon Forge 4 Tips To Enjoy A Comfortable Stay In Pigeon Forge

READ MORE best time to visit maldives

THIS Is When You Should Visit Maldives!

BY  Abdul Aziz Oct 27, 2023

The best time to visit the Maldives is between December and March. This small group of islands in the Arabian Sea is probably one of the most beautiful holiday destinations for both honeymooners as well as families. These tropical islands are hot and full of sunny weather. The heat stays between 23 degrees to 31 degrees, however, given the year-round sunny weather and the absence of winters in the Maldives, the best time to visit Maldives is anytime. Maldives In Dry Season The dry seasons in Maldives have a temperature of 31 degrees Celsius in the day and 24 degrees Celsius in the night. It is probably the best time suited to visit the islands of Maldives. You can enjoy cultural activities, sightseeing, try the local cuisine, and water sports. You can swim in the blue expanse where the average temperature of the water is 30 degrees. During these months, you can witness the Maldives at its best. The overall vibe of the islands is festive, and the crowd is thicker than usual. The weather and the beauty all around make the dry seasons ideal for visiting. Little to no rain and warm temperatures allow the seaside experience to become even more top-notch. With no precipitation, the visibility is crystal clear, making the picturesque island become even more vibrant. There are beautiful beaches, gorgeous lagoons, and colorful coral reefs to enjoy while you are here, which you won't get bored of. The country does get crowded during the peak season, but an individual resort inhabits each island, so it does not get too crowded. It will be reasonable for you to check before you plan a trip about the crowd and availability of a more personal experience. Some of the most popular locations in the Maldives are Nalaguraidhoo Island, Banana Reef, South Ari Atoll, and North Mal-Atoll. Another well-rated tourist spot is the HP Reef. This is a protected marine ecosystem that harbors rich marine life. Maldives: A Cultural Hub The major festival celebrated in November is the birth of Prophet Muhammad or Mawlid. It is the most well-known festival celebrated in a grand carnival style for two days. Street processions and elaborate mosque decorations dot the island. During peak season, the cost of staying at a hotel rises manifold, so if you are looking for more budget-friendly options, you can choose to visit in April. This marks the end of the peak times, and the tourism industry here enters the lean months. Maldives has become one of the top hotspots for Indian tourists not only because of its beauty but also its food options all around the world. The traditional cuisine of the Maldives is a plethora of fish, coconuts, and starches. Some of the common foods that come under seafood are local cuisine which includes yellowfin tuna, wahoo, skipjack tuna, and frigate tuna. With its geographical proximity to India, there is a lot of culinary influence that is evident in its spices, flavors, and curries. The laws here are very strict, so you must beware of carrying alcohol, pork, religious books, and tobacco products. And don’t forget to check the seasonal price hikes when booking water activities. Why Visit The Maldives? Now that you know when is the best time to visit the Maldives and you are still not sure what you could do there, we have all the answers for you. Keep reading to know what you can expect from a visit to the Maldives. Bioluminescent Water Under The Stars Visit the Vaadhoo Island in Raa Atoll, where the stars float in the water– the phytoplankton dinoflagellates that emit luminescent toxins. The small starry lights are emitted as a defense mechanism to keep other predatory fish and creatures away. You can walk through the planktons and create more stars that will be etched in your memory for the rest of your life. Maldivian Culture Along with all the natural beauty, Maldives also boasts a vibrant culture. If you want to become more aware of the culture, you must witness the Bodu Beru dance that takes place on the beach in the evenings. You can tape the moments on your camera or try dancing to the tune along with the dancers. The Maldivian boat Dhoni can also be another way you can get to know the local people and their stories. Swim With The Sharks The enormous whale sharks glide along the coral atolls, followed by smaller-sized reef sharks. They also swim around in the nearby lagoons around the resorts. This is not a matter of high alarm, as people can easily swim with these sharks, albeit with supervision. Maaya Thila, Baa, and Ari Tolls are known for shark spotting. You can encounter them at an up-close level or enjoy watching them come by daily at their feeding time near some resorts where they are given food. Best Places To Visit Here are a couple of the best places you can consider when planning to visit the Maldives. There are too many to enlist, we have brought two of the best you cannot remove from your to-do list. Alimatha Island If you are attracted by those pictures, you saw of small, single-residence villas standing in the sea and want to visit the Maldives, this is the name of the place. Instagram-worthy and absolutely breathtaking, this island is a must-visit. Tripadvisor Review “The island is wonderful. If you love peace, beauty, nature, snorkeling, diving, fishing, it's simply the place to go. Villaggio Bravo is perfect for families with kids, the miniclub organizes plenty of activities for them. The food is delicious: the buffet ha many choices. I was surprised to find mainly italians (it's an italian village) and so few foreigners. Maybe it should be better advertised abroad.” - Lushangyin Banana Reef Considered to be the home of the best reef in the Maldives, this beach makes your sunny dreams come alive. Tripadvisor Review “This is by far the best snorkeling I have ever experienced. The amount of marine life, the colors, the coral, the temperature of the water was amazing. I saw Moray Eels, Blowfish, Giant Clams and so much more. On the way out I dozens of dolphins escorted us and jumped out of the water...amazing. There is a very strong current and it is in the middles of the ocean. An absolute must tough if you can get there.” - Avery D Wrapping Up Are you planning a trip to the Maldives and want to know when is the best time to visit Maldives we hope you now know that it really is always a good idea to visit this heaven on earth. The peak season, though, is the dry months. If you have thoughts to share or questions to ask, please leave a comment below. We would love to hear from you! Read Also: Thailand Travel Guide: This Is The Best Time To Visit Thailand! The Stairway To Heaven Hawaii: Hiking Adventure’s Hidden Gem This Is The Best Time To Visit The Seven Magic Mountains In Vegas!

READ MORE Essential Corporate Travel Tools Every Business Needs

The Essential Corporate Travel Tools Every Business Needs

BY  Ankita Mar 19, 2024

The current globalized business landscape is different from the previous one. Corporate travel is prioritized in organizations more than anything else. Whether it is for meetings, conferences, or business development opportunities, companies are constantly sending their employees across the world to build connections and expand their businesses. However, managing corporate travel can be a challenging and complex task. Thankfully, there are several tools available that can streamline the process and make business travel more efficient and hassle-free.In addition to streamlining the corporate travel process, these tools also play a crucial role in cost management and policy compliance. By providing real-time data and analytics, businesses can track their travel expenses, identify cost-saving opportunities, and ensure compliance with travel policies. These tools allow companies to set budgets, monitor spending, and enforce travel policy guidelines, ultimately resulting in better control over travel expenditures. In this blog, you will explore the essential corporate travel tool that every business needs. 1. Travel Management Platforms A travel management platform is an all-in-one corporate travel tool that allows businesses to manage their corporate travel program. Such a corporate travel agency provides a centralized platform to book flights, hotels, ground transportation, and other travel-related services. With real-time travel data and analytics, businesses can make informed decisions and optimize travel costs. Further, they can also ensure the safety and well-being of their employees on the road. 2. Booking Platforms Booking platforms are an essential corporate travel tool for securing flights, hotels, and other travel arrangements. Such a corporate travel agency allows businesses to compare prices, book tickets, and manage itineraries all in one place. They often offer exclusive rates and discounts for corporate travelers, saving companies both time and money. A corporate booking platform offers a wide array of travel booking options along with collaborative spaces and top-rated housing. 3. Mobile Apps Mobile apps are a game-changing corporate travel tool. With the rise of smartphones, it has become increasingly important to have access to travel information on the go. Mobile apps allow travelers to check flight status, manage bookings, receive real-time notifications, and access important travel documents easily. They provide a seamless travel experience and help employees stay connected and productive while on the road. User-friendly mobile apps make it easier for people coming from all walks of life to travel a seamless journey. 4. Travel Risk Management Tools Ensuring the safety and well-being of employees is a top priority for any business during corporate travel. Travel risk management tools provide crucial information and assistance in case of emergencies or unforeseen events. These tools help businesses track the location of their employees, provide real-time travel advisories, and offer assistance for medical emergencies or security threats. 5. Expense Management Tools Expense management is a crucial aspect of corporate travel, and managing receipts and expense reports can be a tedious task. Corporate travel tools simplify this process by allowing employees to capture and submit expenses easily and automate the reimbursement process. These tools ensure compliance with travel policies and allow for better control over travel expenses. Other popular features included in expense management tools are invoice scanning, accounting software integration, and automated expense reports. 6. Collaboration And Communication Tools Effective communication and collaboration are essential for successful corporate travel. Collaboration tools help teams stay connected, share files, and collaborate on projects even when they are on the road. Communication tools enable employees to stay connected with their teams and keep in touch with clients and partners, irrespective of location or time zone. Corporate communication tools offer industries a comprehensive platform that helps in planning travel efficiently. 7. Travel Insurance Travel insurance is often an overlooked aspect of corporate travel, but it is crucial for providing financial protection and peace of mind. Travel insurance policies cover medical emergencies, trip cancellations, flight delays, lost baggage, and other unforeseen events. Having comprehensive travel insurance ensures that employees are well taken care of in case of any unexpected incidents during their travels. 8. Travel Itinerary Management Tools Managing travel itineraries can be challenging, especially when employees have multiple trips and complex schedules. Travel itinerary management tools help businesses organize and manage travel itineraries for their employees. These tools allow companies to create, share, and update itineraries, including flights, hotels, meetings, and other activities, in one centralized platform. This ensures that employees have all the necessary information at their fingertips, making their travel experience smoother and more organized. 9. Travel Expense Tracking Tools Tracking and managing travel expenses is a crucial corporate travel tool for businesses to control costs and ensure compliance with travel policies. Travel expense tracking tools help companies monitor and analyze travel expenses in real-time. These tools automate the expense tracking process, enabling employees to capture expenses on the go and categorize them according to travel policies. This not only saves time but also helps businesses identify cost-saving opportunities and improve expense control. 10. Travel Loyalty Programs Travel loyalty programs can benefit both businesses and employees. By enrolling in airline and hotel loyalty programs, businesses can earn points, receive exclusive discounts, and access premium services. Employees can also enjoy personal benefits like room upgrades and priority boarding. Travel loyalty programs help businesses save money on travel expenses and enhance employee satisfaction. Popular travel loyalty programs include airline programs like United MileagePlus and hotel programs like Marriott Bonvoy. Businesses need to encourage employees to enroll in these programs and utilize the benefits offered. Final Thoughts Corporate travel can be made more efficient and organized with the help of these essential travel tools and services. From travel management platforms to collaboration tools, expense management solutions, and travel insurance, these tools cater to various aspects of corporate travel. By leveraging such a corporate travel agency, businesses can optimize their corporate travel program, provide a seamless travel experience to employees, and ensure the success of their business ventures around the world. So, that’s all about it! Keep following us for more such content and do share your comments below. Read Also: How To Fund The Cost Of Travelling How To Apply For A Passport Online In This Pandemic, And Which Countries Allow You To Travel Now?