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. 

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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.

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Walking On Sunshine: Exploring The Magic Of Vietnam’s Golden Hand Bridge!

BY  sagnika Oct 5, 2023

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Either simulate the hand or stand inside it to show the magnificent perspective of it. Places To Visit While On the Golden Hand Tour! Based on my understanding of other people's experience of the place, you can visit the place either in the morning or afternoon. If you are hoping for foggy pictures or with the sun rising high on the clouds, go in the morning! Sometimes, you can also catch birds flying, which is a beautiful visual! However, if you are looking for more light, glowing sun in your pictures, you can go in the afternoon. The sunset is just perfect in the afternoon, with a romantic vibe. If you are visiting with your partner, it is the perfect time to go, especially when the photographs will be to die for! Apart from the Golden Hand Bridge, remember that there are other places to visit, such as an amusement park called the Fantasy Park. How can you remember the restaurants and cafes that are of different styles? You have to try the delicious food and beverages there. 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Image Source: d13jio720g7qcs.cloudfront.net The bridge has hosted a fashion show called "A Walk on a Cloud" fashion by the Fashion Voyage. It is a groundbreaking achievement, especially with the spectacular natural view and a harmonious blend of architecture. The bridge has inspired many designers from the fashion industry to create something that represents out-of-the-world structure. Many couples have done their wedding photo shoots, especially if the location has been accessible. Even though it looks artificial, the bridge is quite interesting in becoming a worldwide photography sensation. It is nothing close to Disneyland, but the amusement park in which it has been made has created quite a stir and an awareness! Accommodation At Ba Na Hills! If you are planning to stay at Ba Na Hills, consider the tour of the Golden Hand Bridge, which can be completed in less than one day! There are other features and attractions that you have to complete, and then you have to book your accommodations there. Some of the best hotels or resorts that you can book while on a trip to the Golden Hand Bridge are as follows: Monarque Hotel - This hotel is a beautiful stay with all the amenities made available! The hotel is mostly for accommodation as the outside is so beautiful and filled with activities and attractions for you to visit. The distance of the hotel is 27.7 km from the Golden Bridge. If you are on a romantic trip, this hotel is definitely for you, as it is perfect for a romantic getaway! As partners, you can enjoy yourselves in the pool apart from the beautiful scenery outside. Muong Thanh Luxury Song Han Hotel - This hotel is 24.6 km from the bridge and is one of the best regarding family stays. The hotel has all the services and amenities, especially with amazing staff services. 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BY  Abdul Aziz May 17, 2023

Travel is not a thing to be taken lightly. The ability to explore the world is well and truly a privilege, born of new travel capabilities and ever-more global communities. Travel is a gift – but choosing where to travel can feel like something of a course. Say you’re looking for somewhere utterly beautiful to visit; where should you go? Any list of this nature is unavoidably subjective; beautiful places are often bucket-list places, fanned out across a wide-open world and which appeal to very specific sensibilities. Someone who sees the delicate nature of life through the coral reefs of Sharm El-Sheikh might not find that same sublimity in the harsh expanse of the Grand Canyon. As such, this list doesn’t seek to define or even rank ‘beauty’ from destination to destination. Rather, it’s designed to be a crib sheet – a handy guide by which to inform your own decision-making, should you be planning the trip of a lifetime. And these are just a handful of suggestions, too! The Azores, Portugal The Azores are Portuguese territory, but a far cry from the Iberian Peninsula. These nine volcanic islands are way out in the mid-Atlantic Ocean, boasting some of the most incredible island landscapes of the entire world. Secluded bays, beautiful villages, unspoiled sands and so much more await the intrepid traveler. A private jet rental can bring you to the quiet runways of Ponta Delgada in consummate luxury – from where you can enjoy the unusually lush green landscape that surrounds you. The Lago das Sete Cidades, a crater lake of indescribable magnificence, is a short hop away and unlike anything you have ever seen before. Arashiyama Bamboo Grove – Kyoto, Japan On practically the opposite side of the globe, Japan plays host to an incredible array of stunning views and sublime locales. It is especially hard to choose between them, particularly when so much of Japan’s landscape is forever immortalized in art and pop culture. One stand-out bucket-list location is an unassuming one in comparison, but no less popular for its size. The Arashiyama Bamboo Grove, nestled in the suburban northwest of Kyoto, is a stunning forest of pure green bamboo. Paths run through the trees, allowing you to soak in this utterly unique forest experience – with an outside chance of meeting a few monkeys in the process. Reynisfjara, Iceland I challenge you to find any destination in Iceland that is not an emotionally moving location or landscape. Reynisfjara stands apart from the jagged volcanism of the inland, though, being a black sand beach that is every bit as mesmerizing in person as it is in the pictures. Iceland is worth a tour of its own, but Reynisfjara should be high on your list of places to visit. Banff National Park, Canada While globe-hopping can help with getting up close to the best sights on the planet, there are those that are little more than a stone’s throw away. A brief stint north of the border could take you to Banff National Park in Canada, where you can explore the Rockies like nowhere else: above and below. This mountainous terrain hides incredible views, stunning glacier lakes, and a network of caves and basins that defy your eyes. Read Also: How To Plan A Best One-Day Trip To Atlanta With Family? What Is Most Likely To Cause Someone To Fall Overboard? Top 10 Scenic Snowflake Cities In The U.S. To Travel To This Winter