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How Can Your Credit Card Save You Money On Holiday Travel

How Can Your Credit Card Save You Money On Holiday Travel

Oct 25, 2022

Last Updated on: Feb 6, 2025

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.

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Subham Shah

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.

7 Must-have Items for your Summer Vacation

BY Abdul Aziz May 20, 2021

The sun is coming out and Summer is on its way. As you make plans for your Summer vacation, make sure you have the items you need. Whether your getaway takes you to the mountains or the beach, you will need to prepare for the sun. COVID-19 Restrictions have made traveling difficult. Life is returning to normal in most places, but precautions are still being taken. Stay safe and enjoy your summer vacation by taking these items with you: Sunglasses: Sunglasses are a Summer essential. From the glare off windshields to reflections off the ocean water, the sun can hit you from any direction. Protect your eyes with a pair of polarized sunglasses with 100% UV protection. Sunscreen: Spending a long day outside will require you to use sunscreen. Protect your skin from showing signs of premature aging by using sunscreen. We recommend SPF 15 or higher. Many people overlook sunscreen in the pursuit of tan skin, but using it is important for preventing diseases and health complications. Outdoor Blanket or Sand Towel: If you are planning a summer camping trip, you will want a light-weight blanket to keep you warm. This will keep your pack light and provide you with warmth. For a trip to the beach, you will need a towel to lay down and sit on. A towel that you can easily shake the sand off will make cleaning up easy at the end of your beach day. Hat: Keep the sun out of your face with a brimmed hat. A wide-brim sun hat, snapback, or bucket hat will do the trick. Grab your favorite hat and get outside. Wearing a hat will protect your eyes and the sensitive skin on your face. Comfortable Sandals: You will want a pair of comfortable sandals to truly enjoy your summer vacation. Walking around a theme park and walking on the beach can be tiresome, but wearing socks and shoes can make your feet too hot in the Summer. Keep your feet cool and relaxed with a comfortable pair of summer sandals. Backpack: All of these items are useless without a good daypack to carry them in. A beach bag is perfect for sandy days and a hiking backpack is great for exploring the great outdoors. A good bag will keep all your items in one place, providing you with peace of mind that you won’t lose anything. Water Bottle: Endure the heat by staying hydrated. Insulated water bottles keep your drink cold for up to 24 hours. This helps you take refreshing sips of water all day long. Staying hydrated is essential for avoiding heat exhaustion on hot summer days. You will also need to pack appropriate clothing and toiletries. These items vary by activity and travel destination. The weather is heating up and so is our excitement for Summer. You may end up sightseeing in a new city, going hiking to discover new views, or spending time by the ocean or a lake. Prepare for your upcoming trips by rounding up the items you need. Read Also: 5 Things To Do On Vacation In Belize What To Expect This Summer In North Phoenix Why Myrtle Beach Is The Ideal Summer Destination

A Traveler’s Guide To Lutsen | Travel Guide You Can’t Miss

BY Abdul Aziz Oct 25, 2021

Lutsen, a small township in Cook County, Minnesota, is a relaxing destination with lots of affordable fun activities. This unincorporated community also has a history. Moreover, located in the Superior National Forest, it harbors rocky landscapes, clean lakes, and many large animals (megafauna). A traveler’s guide to Lutsen will help you to explore the quaint site in Cook County better. Moreover, Lutsen is a wonderful place for solo traveling. The local community is welcoming. Even if you are a recluse, you will find solace here. Further, endless adventurous activities await here, and you will make many memories here. Let’s explore the history, places to visit, and things to do in Lutsen. I will also talk about the seasonal transformations and beauty of Lutsen. A Traveler’s Guide To Lutsen History: In 1885, a young Swedish immigrant, Charles Axel Nelson, purchased 160 acres of land on Lake Superior for $12. He established his homestead there overlooking the lake, and soon, a settlement rose up in the area. The small settlement turned into a township that he named Lutsen after the Battle of Lutzen. With a small population of 190 people, Lutsen is an unincorporated area within the Superior National Forest. Lutsen is home to beautiful ski resorts and Lutsen lodges are the finest in the area for tourists. A Traveler’s Guide To Lutsen In Summer: Summer is the best time of the year to plan a trip Lutsen. You can do a lot of outdoor activities and make the most out of the trip by exploring the natural beauty of Lutsen. You can take a trip to Superior Lake to enjoy the view, and if you are lucky enough, you might even catch a glimpse of whales. Visitors are often surprised when they are enjoying the view and mammal surfaces. So, keep your cameras ready to capture the enticing view. Golfing: Lutsen has four beautiful golf courses for travelers who are golf enthusiasts. Each course is in the middle of mesmerizing landscapes and offers a view of Superior Lake. Fishing: Apart from the fascinating view, Lake Superior is also the perfect spot to catch trout, northern pike, salmon, perch, and other varieties of fish. You can fish from any public land or fishing pier or get a fishing boat for the best fishing experience. A Traveler’s Guide To Lutsen In Fall: The fall season paints the natural canvas of Lutsen in the beautiful colors of autumn. Many Lutsen cabin rentals are located in the Sawtooth Mountains in the middle of maple forests. You can enjoy the beautiful views from the comfort of Lutsen MN lodgings. You can engage in the following fun activities in this season: Attend The Moose Madness Festival Moose are the biggest animals that you can find in Minnesota. They can be seen along the North Shore and the area around it. In October, there is a celebration of the moose in Grand Marais, known as the Moose Madness Festival. You can enjoy a lot of family-friendly activities there and play critter-themed games. Ride the Summit Express Gondola One of the most exciting things to try in Lutsen in the fall season is riding the Summit Express Gondola. This exciting ride takes you over the picturesque landscape with autumn colors at the treetop level. It also takes you to the top of Moose Mountain, which is one of the North Shore’s highest peaks. People of all ages enjoy the magical aerial views of Lake Superior and the Superior National Forest. A Traveler’s Guide To Lutsen In Winter: Winter can be harsh in northern Minnesota, but there are so many exciting activities to enjoy during that time of the year. Here’s what to do during winters in Lutsen. Skiing: The Lutsen Mountain is the largest ski and snowboarding area in the region. Lutsen lodges are just 10 minutes away from Lutsen Mountain. You can take lessons, rent equipment, and get the best skiing experience with 95 runs over four mountains. Snowmobiling: In Lutsen, you have 450 miles to explore on snowmobile trails. The trails wind through the mesmerizing scenery, and it gets hard to decide which trail to explore first. So, skim across the frozen lakes and tour the best trail to enjoy the winter up north. A Traveler’s Guide To Lutsen In Spring: Spring season is also great for heading up north. You wouldn’t have to look far for gushing water, and the lush green scenic beauty will take your breath away. Here’s what you can enjoy in Lutsen during the spring season. Waterfalls Spring is the best time of the year to enjoy waterfalls in Lutsen. The start of the spring season increases the flow of water as the ice melts into the water. The best waterfalls to see in Lutsen are the falls of the Baptism River, Temperance River, and Cascade River. Lutsen Mountains Alpine Slide Another fun family activity to try in Lutsen is the Lutsen Mountains Alpine Slide. First, take the aerial tram ride to reach the top of the mountain. Next, push your sled to the start of the concrete track. You might as well take a pause to enjoy the spectacular view of Superior Lake from up there. Finally, board your sled and take a thrilling slide down the half-mile twisting track. Another great thing is that there are two parallel tracks. So, you can take the slide next to your friend. Lodging In Lutsen: The best thing about a vacation in Lutsen is that you’ll always have cozy accommodation nearby after an adventurous day. You can find Lutsen cabin rentals, forest chalets, lodges, and vacation homes. It is best to get a reservation for Lutsen MN lodging beforehand. So, when you are exhausted and ready to call it a day, you’ll have comfortable accommodation to rest. Bon Voyage! Lutsen is home to some of North Shore’s most beautiful and iconic attractions. It is a popular ski destination that has so much more to offer. From beautiful gold courses to exciting hiking trails, Lutsen can be a dream family vacation. This traveler’s guide to Lutsen gives you more ideas about exploring this quaint community or township. Reserve your Lutsen MN lodging at Lutsen Lodges to find comfort and luxury surrounded by nature. Read Also: 10 Travel Tips For Singles At This Valentine’s Day 7 Key Points Remember While Planning Your Honeymoon Trip Does New Jersey Have Good Nightlife? Let's Find Out! 5 Must Visit Offbeat Destinations Near Delhi

Coastal Bliss: Top Things To Do In Bournemouth

BY Abdul Aziz Nov 7, 2023

If you're looking for a perfect family-friendly beach getaway, Bournemouth should definitely be on your list. You can explore the coastline and visit the famous Boscombe Pier by joining a hop-on-hop-off bus tour. For nature lovers, a trip to Hengistbury Head nature reserve can be a great experience. If you love being on the water, you can take a cruise around Poole Harbor and its islands, which can be a memorable afternoon excursion. And last but not least, enjoying fish and chips on the beach is a must-try experience. This destination is ideal for families with kids who enjoy spending time around boats. There are two Blue Flag beaches in the area, Durley Chine and Alum Chine, which are perfect for children. They have soft white sand, beach huts, and playgrounds, making it an exciting place for them to explore. In this article, we will explain some of the most exciting things to do in Bournemouth. Bournemouth: An Overview Although there is something magical about escaping to the British coast in autumn. Of course, the obvious time to visit is summer. But the peak months offer a more relaxed pace away from the busy crowds. It has unobstructed sea views, refreshing freshness in the air, and plenty of activities and events to enjoy. If you're looking for something away from the coastline, why not check out the Bournemouth Arts Festival? It runs from October 14th to 21st and features a variety of performances in dance, music, film, theater, literature, and visual arts. One of the highlights is Hydromania, a show that promises to be both surprising and delightful. With over 50 events taking place throughout the city's unique locations, the 'Indian Summer' offers an exciting artistic experience. For those seeking more active activities, Boscombe Pier is a great spot for mini-golf. And for the thrill-seekers, zip-lining from Bournemouth Pier to the beach is a must-try adventure. During New Year's Eve, the coastal and woodland walks in Dorset are perfect for relaxation. You can enjoy strolls along the beautiful beaches or wander through the 3km of Grade II listed Victorian gardens in the city center, which turn into a kaleidoscope of autumn colors. There's even a guided Tree Trail sheet to help you learn more about each species as you explore the gardens. This seaside escape is affordable, starting at just £450 for 4 midweek nights on the beach. Top Things To Do In Bournemouth Whether you're traveling with young children or older kids, seaside destinations in the UK offer something for everyone. Bournemouth is rich in local culture, history, adventure, and breathtaking sea views. Check out our top picks for a fun-filled beachy getaway. 1. Bournemouth Beach Experience the epitome of nautical bliss at Bournemouth Beach, where golden sand stretches for miles, inviting you to relax, sunbathe, and enjoy a refreshing dip in the glistening waters of the English Channel. “Beautiful beach easily accessible, fantastically clean, good facilities. Great beach. Plenty of things to do amusements, oceanarium, Bournemouth wheel. Plenty of places to eat can recommend Aruba bar serves food all day, reasonably priced.” - Deb 2. Stroll Through Bournemouth Gardens Immerse yourself in the peaceful beauty of Bournemouth Gardens as you stroll along winding paths surrounded by lush greenery, vibrant flower beds, and tranquil ponds, offering a peaceful escape from the busy city. “A lovely area of grass and shade that separates the Bournemouth beach from the shops. It goes along the back of the Pavillion and BH2 is just off it. Some nice live music was playing one evening. A relaxing place to people watch.” - ADPW62 3. Oceanarium Immerse yourself in a world of aquatic wonders at the Oceanarium, where you can admire fascinating marine life, meet fascinating creatures from around the world, and learn about the importance of protecting the oceans. “We had such a fantastic day at Oceanarium! There are so many different things to see and the areas are set up really well. Lunch was also really good in the cafe and a fair price. We would definitely return to Oceanarium in a few months.” - Georgie James 4. Russell-Cotes Art Gallery And Museum Step into the treasure trove of art and history at the Russell-Cotes Art Gallery and Museum. Admire stunning artwork, explore fascinating exhibits, and dive into the lives of the Victorian collectors who once called this enchanting mansion home. “Really interesting and cultural place to visit whilst in Bournemouth. The volunteer guide was very knowledgeable and friendly. Good value at £7.50 entrance, you would need an hour or two to see all the rooms and gardens. Perhaps not that interesting for young children. There is a nice cafe inside for coffee after your visit.” - gurux101 5. RockReef Pier Zip Line Feel the adrenaline rush as you float over the waves from RockReef's exciting pier. Enjoy panoramic views of the coast and enjoy the thrill of this unique and unforgettable experience. “Highly recommend this as part of a family day out, we participated in climbing with our kids (7 & 9). Had much longer than our session because they were not fully booked. Young staff team were really good.” -- Experience154700 6. BIC (Bournemouth International Centre) Enjoy entertainment at the Bournemouth International Center (BIC), a premier venue for a variety of events, including concerts, conferences, and exhibitions, ensuring there is always something exciting going on. “We went to see The War of the Worlds. Oh what a show, it was fantastic. The BIC is a brilliant place to watch a show. We were lucky to have good seats near the front, but if you were to sit anywhere in the theatre you would have a good view of the stage.” - Geraldineoz 7. Smugglers Cove Adventure Golf Go on a pirate-themed adventure at Smugglers Cove Adventure Golf. Go through challenging paths full of obstacles, caves, and waterways and create a fun experience for all ages. “A brilliant way to spend some time. Beautiful views of the sea whilst you play crazy golf. We, two adults, enjoyed ourselves thoroughly and it was lovely to see families also having a huge amount of fun.” - Emily S 8. City Sightseeing Bournemouth Hop On Hop Off Tour Discover the city's highlights on a Bournemouth City Sightseeing Tower Tour. Explore at your own pace, hopping on and off the iconic red buses to visit attractions, landmarks, and scenic viewpoints. “Booked bus tour and boat cruise, was looked after by staff on both the bus and boat. Not the best weather but really enjoyed. Good local knowledge via commentary.” - SimonMLincoln 9. VR Center Immerse yourself in the exciting world of virtual reality at Center VR. From epic gaming experiences to mind-blowing simulations, this state-of-the-art attraction offers tech lovers a unique and immersive adventure. “Firstly we were very impressed with the service we received from the staff throughout. From booking the experience over the phone, to arrival and starting the game, even chatting to staff after the game they were friendly, knowledgeable, helpful and generally a pleasure to deal with.” - Paul T 10. Mr. Mulligans Unleash your competitive spirit with Mr. At Mulligans, a fantastic venue offering indoor adventure golf, interactive games, and a lively atmosphere. Perfect for a fun day out with friends or family. “Booking was easy and, I think, reasonably priced. Staff very friendly and it was very clean. We were lucky it was very quiet when we went so we didn't feel rushed or crowded. Fun and imaginative courses.” - Mandy W Wrapping Up Immerse yourself in the enchanting beauty of Bournemouth, an enchanting seaside town on the edge of Dorset. Its amazing beaches, thriving nightlife, and endless charm make it worth a visit. If you have thoughts to share or questions to ask on things to do in Bournemouth, please leave a comment below. We would love to hear from you! Read Also: These Are The 30+ Things To Do In Mexico City That You Must Try! Some Of The Best Things To Do In Navarre Beach, Florida You Won’t Believe The Best Things To Do When In Fiji!

How Can Your Credit Card Save You Money On Holiday Travel

Types Of Credit Cards