How Can Your Credit Card Save You Money On Holiday Travel

Oct 25, 2022

Last Updated on: Feb 6, 2025

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 Luxury Villas

Why Are Luxury Villas Perfect For Family Holidays

BY  Joy Majhi Jul 23, 2022

Choosing accommodation for your vacation can sometimes give you headaches, especially when you are going away with your family. This is because normal accommodations are perfect for adults, and it is extremely difficult to find child-friendly hotels. However, there is a way to get the perfect stay with your family while you are on vacation. And villas are the most convincing examples. Whether the villas are located near the sea or are in the mountains, they are the best in Luxury and comfort. Between the tailor-made services to the comfort of home, villa rental allows you to put down your travel suitcases in your own holiday homes for as long as you stay. Also Read: Here’s What You Need To Know About Family Mediation Ontario. Why Are Luxury Villas Perfect For Family Holidays Holidays are all about spending some quality time with your family in a languid space. You wake up to a delicious breakfast, slip on your swimsuits to get a tan by the pool, and have a delightful massage at the end before you go to bed. Sounds idyllic, right? But, more often than not, this picture is just perfect for how a family should spend. A villa takes the hassle out of the family vacation and offers a comfortable place for a long-term stay. 1. Offers Privacy The first thing you get with a villa is that it is private property. If you are staying at any villa for your vacation with your family, it is considered your property, just like your home. With privacy without anyone disturbing you with your daily activity, you get a pool, a tranquil environment, and peace of mind. As the property belongs to you for as long as you stay, you can get the foods you want, enjoy the terrace, walk at midnight, enjoy BBQ with your family and do all the other things you wish to do. The best part of renting a villa is that there will be no noisy guests in the other rooms, waking you up late at night. And also, no rowdy strangers disturbing you while you enjoy your family time in the pool. That being said, if the whole concept of renting a villa for a family vacation entices you, you can try the provence villas for your next family trip. 2. Safety & Hygiene While the whole property will belong to you for the time you stay, staff members will be responsible for cleaning the villa. The pandemic has made the travel industry more conscious of health and hygiene standards. Luxury villas whose main purpose is to give you peace of mind while you are on vacation with your family ensure that you don’t have to worry about health and hygiene in the place. 3. Exclusive Use Of The Facilities While hotels are nice places to accommodate while you are on vacation, sharing a place like a pool with strangers sometimes feels too uncomfortable, especially when you are with your children. The worst part is that hotels ask the parents to keep their children in check, which sounds disrespectful. Fortunately, you don't have to deal with such issues in villas. Instead, you and your family are the sole guest of the property and can use the facilities as you like. Almost all villas facilitate a pool, possibly custom spas, jacuzzi, games room, home cinema, and other recreational elements you can enjoy with your family. The best part is that you don’t have to adhere to a time slot to use the facilities. 4. Kids Are Welcomed With Open Arms A family vacation is a family vacation where there needs to be no rule. But most of the properties have stricter rules regarding children. Even though they allow children, they strictly warn the parents to keep a close eye on the children, ask the children not to run here and there, and so on and so forth. There are just too many rules children need to follow. This destroys the whole purpose of the vacations. Fortunately, villas understand this and offer the whole property to let children do what they want - as long as they do not destroy any property. Families are welcomed in villas, and staff members are ready to play with your children. You May Also Check: How To Select The Best Luxury Villa In Mykonos: An Expert Guide How To Select The Right Holiday Villa For Family A private villa easily distinguishes itself from the types of accommodation. Although it might offer the same services as some luxury private hotels, there is something more it offers. Hence, it is important that you ensure you are choosing the right holiday villa for your family. Refreshing Privacy And Independence: If you are looking for a quiet holiday vacation where you can enjoy quality time with your family, hotels can sometimes be awkward and unpleasant. A villa is a perfect solution for you to enjoy your vacation with luxury accommodation and unparalleled privacy. Furthermore, you are free to do anything in the villa as the property belongs to you for the time you stay. Luxurious Tailor-Made Services: The villas are resolved for the family and ensure they have everything to offer. As the villa's sole occupant, you and your family are at the center of attention. The staff members will always be ready to comply with your needs and wants. From the concierge services that will help you know more about the local cuisine to the joy of having a private pool at your disposal that you can enjoy anytime you want. Offer Conducive Atmosphere: Finally, a villa might be a vacation location. It will give you the same feeling as when you are at home. Being the only guest of the villa, the villa is like your home, where you can use the corner of the space as you like. No need to worry about whether the hotel breakfast will please anyone or not or whether the rooms are really connected. The advantage of renting a villa for your family vacation lies in the fact that they are like your home with the services you enjoy in luxurious hotels. Conclusion Loving the villa already? If you find yourself confused about what type of accommodation you need to have for a family vacation, you can no doubt go with a rental villa. Even if it is the first time you are going with a villa, you will find just how comfortable it is compared to hotel accommodation. Read Also: Which Is The Largest Freshwater Lake In India? 12 Best Things To Do In Sanibel Island – Tour And Travel Guide Exploring The Unexplored: Which Is The Best Time To Visit Darjeeling?

READ MORE dark tourism in India

Dark Tourism in India Exploring Shadows and Must-Visit Sites

BY  Sibashree Sep 30, 2024

India is leading the dark tourism scenario With an expected CAGR of 5.1% (2024-2034),. Dark tourism in India thrives as it is the land of history and heritage. Also, travel a few miles, and you will get to know folklore or common myths related to paranormal activities.  So, dark tourism in India takes you to places associated with human tragedy or something that raises our curiosity. Endless warfare and the rule of various dynasties have drenched its soil in blood from time immemorial. Further, superstitions and oppressive customs in various parts of the country have caused human casualties that can give you a chill down your spine.  However, dark tourism in India or any part of the world is not just about people’s fascination with the macabre or its inclination to encounter the grey zone. Many dark tourism sites like the Cellular Jail in the Andaman and Nicobar Islands or Jallianwala Bagh tell the tales of a collective past.  So, these are often popular destinations for educational tourism or excursions. With endless stories and mysteries spread in every corner, India will spoil you with the choices of dark tourism spots. Here is a list of places you just can’t miss! Dark Tourism In India: These Are The Places You Need To Visit  For me, dark tourism in India is like communicating with the past. These places and the remnants there convey a message that can trigger our moral emotions such as empathy, gratitude, disgust, or sadness. Further, these moral emotions can change our perspective about ourselves, various communities, and society.  Moreover, curiosity is present in people’s love for the occult. Some categories of dark tourism, such as ghost tourism, thana tourism, and disaster tourism, especially urge many to get into the shadows. We absolutely agree with Karan Anand, the Head of Relationships at Cox & Kings. So, which places does dark tourism in India take us to? Here is a curated list! 1. Port Blair Cellular Jail | Kala Pani | The Prison Of Death Location: Andaman and Nicobar Islands  One of the most prominent witnesses of British atrocities in the country, the Port Blair Cellular Jail tops almost all the lists of dark tourism in India.  The British government made a hell of concrete in 1906 in the form of a prison, and it was almost impossible to escape or come out of it.  Vinayak Damodar Savarkar, a freedom fighter in India, was the only person who had escaped the Port Blair Cellular Jail.  The British Raj sent convicts with the highest punishment to this jail. Once, this jail housed as many as 80000 prisoners, and among them, at least a few hundred were the freedom fighters. The freedom fighters received the “Kalapani ki Saza” to lead a life of isolation.  Constructed in the shape of a starfish, the Port Blair Cellular Jail is witness to inhuman tortures and genocides. Along with the atrocities of the British Raj, it has also seen the genocides operated by the Japanese.  When at the Cellular Jail, don’t forget to attend the “Light & Sound” show in the evening. It is like time travel, giving you goosebumps.  2. Jallianwala Bagh Location: Amritsar City, Punjab The 13th of April 1919 saw one of the worst examples of British acts of barbarity in India. Innocent people had gathered at Jallianwala Bagh in Amritsar City to peacefully protest against British rule. Jalianwala Bagh was blocked from all sides, and Brigadier-General Dyer ordered his men to open fire at these innocent and unarmed people. The 1650 rounds of firing continued for 10-15 minutes, taking the lives of more than 500 people.  Today, when you visit Jallianwala Bagh, you can see many bullet holes struck in the structures there. In 1951, a memorial was built here to pay respect to the Indian revolutionaries. Further, in 2019, the inauguration of the Yaad-e-Jallian Museum took place. The museum depicts the most authentic account of the massacre.  A century later, in 2019, an official acknowledgment of “regret” came from British Prime Minister Theresa May on the Jalianwala Bagh massacre. This substantiates how grave and gruesome the act of mass killing was.  3. Roopkund Lake  Location: Uttarakhand Located at a 5000-meter altitude, Roopkund Lake is one of the most popular trekking destinations in Uttarakhand, India.  However, you can see hundreds of human skeletons near the lake, named  the “Lake of Skull.”  Researchers have found that around 200 pilgrims died of heavy snowfall in the place in the 9th century. So, there are so many skeletons around the lake. Roopkund Lake is also known as the “Mystery Lake,” and there are stories about the pilgrims getting turned into stones or the Goddess getting angry.  However, Veena Mushrif-Tripathy, a member of the 2004 investigation and a professor of archaeology at Deccan College in Pune, mentioned that the theory of the pilgrims was reasonable as there were no traces of weapons.  4. Shaniwar Wada Location: Pune, Maharashtra Shaniwar Wada, built in 1732 by Bajirao I, is a historically significant fort and stands out for its architectural excellence. This fort was once the seat of the Maratha Peshwas. This fort became a tourist attraction after the 2015 magnum opus of Sanjay Leela Bhansali, Bajirao Mastani. However, Shaniwar Wada is a favorite dark tourism in India destination because of a popular ghost story or folklore associated with it. Narayanrao, the son of Bajirao I, was killed by his uncle Raghunathrao in 1773 in this fort. Since then, people have experienced paranormal activities in the fort. Many have claimed to have encountered the dead prince.  5. Kuldhara  Location: Jaisalmer, Rajasthan How about visiting a village abandoned by its people around 200 years ago? Kuldhara, the cursed village of Jaisalmer, was the residence of the Paliwal Brahmins. They left the village because of water scarcity and the high taxes imposed by Diwan. Another story is about Salim Singh, the local prime minister, who wanted to marry the daughter of the village head. The villagers did not agree to his demands and vacated the place overnight. They also cursed the place, saying that no one could settle there.  Further, some even associate the overnight evacuation with paranormal activities. Whatever the reason, many people have tried but failed to spend a night in this village. Today, abandoned houses, temples, and other architecture speak of excellence, craftsmanship, and intrigue. It is also a favorite destination for movie-makers and photographers today. Films like “Agent Vinod” are shot here. Moreover, the village is now a “Protected Monument of the State Archaelogy Department.”  6. Dumas Beach Location: Surat, Gujarat Dumas Beach is one of the most haunted places in Gujarat. With its black sand and paranormal activities, this beach transforms into a hellish spot as the Moon shows up.  The beach was earlier a cremation ground. The black color of the sand comes from the ashes of those corpses. While we could not see the moving orbs or any prominent paranormal activity, I felt eerie at the beach. Also, I can’t explain, but there is something very depressing about this beach. It feels like you can hear the whispers of the lost here, and someone will suddenly appear in the shadows.  There have been reports of many tourists going missing from Dumas Beach. Also, one day, local people discovered the corpse of a man at the beach. His tongue was popping out. To date, no explanation has been found behind these tragic incidents.  7. Bhangarh Fort In the Aravallis, the Bhangarh fort has the remains of a deserted marketplace, Havelis, and temples. The architectural excellence of the fort is beyond question, and it speaks of a prosperous past.  However, Bhangarh Fort is the most haunted place in India. It has stories and myths enough to scare you to bits.  Bhangarh Fort Story: 1 The Archaeological Survey of India has banned entering or staying in the Bhangarh Fort after the Sunset. According to the local people, no one entering the fort at night has been able to come out alive. The fort becomes a site of paranormal activities in the darkness.  Bhangarh Fort Story: 2 Guru Balu Nath used to meditate at this place. When Raja Madho Singh visited him with a request to build a fort here, he agreed on one condition. He asked the king to promise that the shadow of the fort would not touch him. Despite the king’s promise, it did not happen. Furious, the hermit cursed the castle and the village.  Bhangarh Fort Story: 3 No house in the area has a roof. People believe that the roofs of those houses were destroyed due to the curse of the hermit. All attempts to rebuild the roofs went in vain. Many of those roofs also collapsed, causing human casualties.  Bhangarh Fort Story: 4 (Accidents And Deaths) Three people once decided to stay in Bhangarh Fort at night. They had a powerful torch, but one group member fell into a well. The two others rescued him and took him to the nearby hospital. However, they met with a fatal accident on the way to the hospital and lost their lives.  Do you want to explore more sites that are suitable for dark tourism in India? Visit the Taj Palace Hotel in Mumbai, Union Carbide Factory, Bhopal, Sites Of Indus Valley Civilization, Savoy Hotel, Mussoorie, and Gandhi Smriti, Delhi.  Listen to hushed murmurs and the stories these places have to share to make a journey to the past!  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024] Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

READ MORE Seattle

Tips For A Top Trip To Seattle 

BY  Abdul Aziz Nov 24, 2021

If you’re planning a vacation to the city of Seattle in the coming months or years, it helps to do some research before you go on some of the best sites to see in the city and tips for a stress-free, fun trip.  Here are some things to consider as you start getting excited about exploring this West-coast locale.  Best Times And Seasons Of Year To Visit Seattle Seattle is a fabulous city to visit at any time of the year but is particularly lovely from June to October, the driest months.  Summer:  Summer in Seattle isn’t too hot due to the breeze that comes in off the Puget Sound, making this an excellent option for trips to the city. However, fall is crisp yet cozy and gives you a chance to see the trees around the city change color.  If you’re keen to head to this part of the United States when some top events are on, June delivers the Seattle International Film Festival and July the Seattle International Beerfest.  April: However, April is one of the best months for key happenings since this time of year is when you can enjoy the popular Seattle Cherry Blossom Festival and the Skagit Valley Tulip Festival.  Beyond that, you might also be interested in getting to Seattle in November if you’re a runner since this is when the Seattle running marathon competition typically takes place.  How To Get Around? If you want freedom of travel and plan to check out some of the excellent day trips on offer from Seattle, you might like to hire a car for your time in and around the city. You’ll find some handy options if you search online for “car rental Seattle airport” or “rent a car in Seattle,” etc.  If you only need four wheels occasionally during your trip, you can get a taxi service through Seattle Yellow Cab and other companies or choose the Seattle Royal Town Car for fancier rides. Plus, Uber and Lyft both service the city and surroundings - perfect if you're wanting to explore what Washington Wine has to offer, as an example of something you might want to do during your trip! Other modes of transport abound, too. For example, train-wise, the Link light rail runs through the city's downtown and out to the airport, plus the Seattle Center Monorail that connects some of the big attractions in town.  It runs from the Space Needle at Seattle Center to Westlake Center, which sits about three blocks from the Pike Place Market. Also, you can take the Sounder commuter train if you need to go outside the city limits or hop on one of the three lines running on the Seattle streetcar that move through the city. Buses such as the King County Metro will take you around Seattle and surrounding regions too, or you might like to stay more active by picking up a bike. They’re easy to find around Seattle, and you can even hire some electric ones to help you navigate the city’s hills.  3 Must-Visit Locations in Seattle Seattle has no shortage of interesting and fun places to visit while you’re in town. For example, spend some time wandering the famous Pike Place Market, a farmers’ market, food hall, and shopping spot all in one.  Pick up some supplies for your stay and some gifts to take home, plus enjoy lunch while you’re there and take in the spectacle supplied by the friendly vendors.  1. Space Needle All visitors to Seattle should head to the Space Needle at least once, too. This 600-plus foot tall iconic landmark that dominates the city’s skyline opened in the early 1960s and has futuristic design appeal.  Head up to the saucer-shaped observation deck to view Seattle and its surroundings from afar, and you might also enjoy a drink in The Loupe Lounge that’s set up on the world’s first and only revolving glass floor. 2. Chihuly Garden And Art Museum  If you’re an art lover, you can’t go past Chihuly Garden and Glass, conveniently located right next door to the Space Needle within the Seattle Center. Here you can view a sculpture garden and art exhibition that demonstrates the remarkable work of world-renowned glass artist Dale Chihuly.  Plus, it’s worth checking out the Olympic Sculpture Park to see an excellent outdoor display of modern and contemporary sculpture in a space that extends all the way to the shores of Puget Sound. The Park is operated by the Seattle Art Museum, which is also worth spending time at.  3. Museum Of Pop Culture And Gum Wall Some other attractions to put on your must-see list include the Museum of Pop Culture, Fremont Vintage Mall, the famous Gum Wall (a long brick wall covered with used chewing gum in the alleyway under Pike Place Market), and the Museum of Flight.  Conclusion: Seattle also boasts excellent shopping, quality dining establishments, and top bars and live entertainment venues. You’re sure to have a wonderful time in this fascinating city and make memories that last a lifetime.  Read Also: 5 Best Places To Visit In North America’s Pacific Northwest What To Look For When Purchasing A Beach Tent For Vacation FAQ About Staying Safe With Holiday Royal Vacation Club Should You Book A Hotel Or An Apartment For Your Vacation?