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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10 Travel Tips For Singles At This Valentine’s Day : T AND TB

BY  Mashum Feb 12, 2019

Brace yourselves – the storm of starry-eyed romantics, displaying affection in public, is coming. For people who are in a relationship, this Valentine’s Day might be the perfect time to express their love for their partners. But for other folks who are single, this occasion may seem a bit, well, cringe-worthy. It doesn’t have to be. Valentine’s Day is a celebration of love in different forms. It can be love for a spouse. It can be love for parents, siblings, kids, and friends. It can be a love for the community. Lastly, it can be love for yourself. Traveling is one of the best things you can do to show how much you love yourself. Just because you’re single doesn’t mean you’ll be stuck at home, binge-watching series and avoiding social media. Go out. Explore. Visit places and do activities that spark joy. Where to go and what to do this Valentine’s Day? Here are travel tips ideally suited for singles this season of love. 1. Travel to a nearby off-season getaway for the weekend Take a weekend trip to somewhere near yet away from the city – somewhere close to your heart. Just make sure to go “off-peak” to enjoy cheaper rates and less crowd (unless you’re ready to mingle.) If you don’t want smooching couples to rain on your parade, there are utterly cheesy, thus crowded destinations and activities to avoid. Skip fancy flower and chocolate shops, candlelit restaurants, secluded resorts, tall towers, malls, bay view parks, and romantic hotels. Avoid travel packages that say something like “romantic champagne dinner for two.” Instead, go hiking.Search for underrated beach resorts with exciting daytime activities and great nightlife. Visit museums and historical destinations with interesting architectures. Don’t forget to bring a tripod or mono pod to take beautiful photos. 2. Try blood-rushing travel activities for the first time When was the last time you did something daring for the first time? Take advantage of the freedom you have and do something you've been dreading to try. There are travel activities that don’t need a partner to enjoy. Find a hiking trail and explore with strangers and take great pictures along the way. Don’t just chill by the shore – learn surfing, paddle boarding, and other waterspouts. Go skydiving. If that’s too nerve-racking (and expensive) for you, you may try zip line. 3. Fall in love…with animals It’s amazing how an animal can change your life – and make you feel like you’re not alone in this world. Aside from bonding with your pet, you may enjoy visiting an animal sanctuary, a safari, or an octogenarian. You can also drink coffee at a pet cafe nearby. 4. Go have a relaxing staycation in the city Can’t travel far? Book a hotel room in the city all for yourself. Enjoy the view of the skyscrapers from your balcony. Use hotel amenities including in-room television with free movies, roof deck swimming pool, spas, and buffet. You can also go out to nearby establishments, like restaurants, cafes, and pubs, malls, cinemas, and museums have the time of your life. 5. Give yourself a wellness retreat Devote the entire day, or even a weekend to relaxing to treat your body, mind, and senses, at someone special like The Aerial BVI – you deserve it after a long week of working non-stop. The wellness retreats at The Aerial BVI can be booked exclusively for your entire family or group so you can enjoy the private beach, activities, and amenities whether you stay for the day or a week! If hotel accommodation is too expensive, go to a spa for a rejuvenating massage. Get facial treatment. Go to a hair and nail salon for a quick makeover. Go shopping. At the end of the day, pamper yourself with a glass of wine or champagne. Or hot chocolate or tea, if you don’t drink. 6. Master the art of solo dining Avoid candlelit restaurants, they say, for they’ll be packed with lovers this Valentine’s Day. But what if you want to treat yourself to a juicy steak at the best steakhouse in Omaha (or wherever you're traveling), and a glass of wine? Here are the tips for enjoying yourself at a restaurant. Rule number one: Don’t mind them and go treat yourself with your favorite dish and liquor. Avoid encountering couples by going for lunch instead of dinner. If you’re in a fancy restaurant with no entertainment or whatsoever, make sure to bring any reading material or any source of entertainment. You can also take out your phone, take great photos, and edit them like a pro. You may also go to casual coffee joints where you can enjoy your alone time at peace. Check out night markets for interesting food offerings, which may suit your palate. If you’re at a bar, choose a counter seat. Chat with service people. You can even chat with another solo diner. 7. Go to bars/clubs with entertainment Dining places with live performances are perfect for solo travelers, who are sick of looking bored and lonely when dining alone. They also provide great value for time and money, since you can enjoy great food and entertainment at the same time. Find a bar with stand-up comedy acts, jazz, rock, or acoustic band performances, spoken poetry, and other forms of performing arts which suit your taste. 8. See your favorite musicians live Music buff? Celebrate V-Day with your favorite artists. It doesn’t necessarily have to be a pricey concert – it can be a music festival, free outdoor shows, or gigs at a local bar. 9. Attend day workshops Do you want to learn how to make chocolates? Or be your own bartender by learning how to mix cocktails? Do you want to take your skills in photography or painting to the next level? A day of learning more about something you're passionate about and/or something new and exciting pays off in the long run. 10. Travel with friends and/or family Just because you’re single doesn’t mean you have to travel alone. Gather your single friends, guys, and girls, and plan a getaway. Rent out a vacation home, a huge hotel room, or go camping with a bonfire on. Make music, drink, play games, and be merry. Okay, so your friends have other plans. Don’t fret – spend time with your family. You can go third-wheeling with your parents or plan a family getaway out of town. Having fun doesn't have to be expensive and far. A plus point: It’ll be cheaper since you get to share the expenses. Read Also:  Romantic Getaway Tips: 9 Ways to Celebrate Love without Special Occasions Tips For Improving Your Holiday Experience

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Crime and Caution: Navigating the Dark Side of California’s Cities

BY  Abdul Aziz Dec 23, 2023

A tour of Los Angeles will include a walk through a large, palm tree-lined cemetery. Tributes to Hollywood's dark past can be found lurking among the city's soiled streets, well-kept lawns, and dusty canyons. These include long-abandoned mansions and the famous Hollywood sign. The City by the Bay, San Francisco, is a tourist haven. San Francisco attracts nearly 15 million tourists a year with attractions like Fisherman's Wharf, Alcatraz tours, the Golden Gate Bridge, and Haight Ashbury. But this new American city is not without its dark side. It has a history of kidnapping, fraud, terrorism, assassinations, and serial killings. Here is a short dissection of the most dangerous cities in California. We are also including a few of the most well-known crimes committed in various parts of the state. Most Dangerous Cities In California The list below comprises the incorporated municipalities of California with some of the highest crime rates. These cities have a population of 50,000 at best. Here are the most dangerous cities in California: Stockton San Bernardino Oakland Compton Richmond Lancaster Vallejo Modesto Victorville Huntington Park Criminal History Of California America is a land of dreams for the biggest chunk of the global population. California is a hub of technological and social zenith. No one expects it to hold out on dark secrets and scandals. According to the FBI, the most dangerous cities in California have a lot of twisted history. Here are some of them. The Assassinations of Harvey Milk and George Muscone, San Francisco City Hall The newly appointed class of city supervisors in 1978 was the most diverse in the history of San Francisco. Dan White, a staunch conservative and former police officer and firefighter, and Harvey Milk, the freshmen supervisor and gay activist, were the two men in this class. Even though Milk and White had different political and lifestyle philosophies, they developed a cordial working relationship. But this relationship quickly turned deadly and hostile. With ten extra bullets and a.38 caliber handgun, Dan White entered City Hall on November 27, 1978, intending to confront Mayor Muscone face-to-face. Muscone shot him after he once more rejected to be reinstated. When White realized how much Harvey Milk had contributed to the incident, he went to his office and brutally murdered Milk. On that day, Dan White admitted to the crimes. The strategy employed by White's defense team during the trial was nearly as well-known as the crimes done. The "Twinkie defense" contended that White's extreme sugar and carbohydrate intake before the crime caused his mental instability. The narrative concludes where it started: after receiving his sentence, White went back to San Francisco and committed suicide. The Kidnapping of Patty Hearst, Hibernia Bank The Symbionese Liberation Army (SLA) kidnapped 19-year-old Patty Hearst from her family's condo on February 4, 1974. Patty is the great-granddaughter of business tycoon George Hearst and the granddaughter of publishing mogul William Randolph Hearst. She and multiple other SLA members later pilfered a Hibernia Bank branch. Patty, brandishing an M-1 carbine, declared her membership in the SLA. A single innocent person lost their life, and the SLA fled with more than $10,000. Although Patty and her friends managed to get away, the FBI quickly found them. In 1976, Hearst went on trial. Attorneys for Patty contended that she developed Stockholm syndrome—a psychological reaction in which she started to feel sorry for her captors—out of fear for her life. Despite being found guilty, President Carter commuted her sentence in 1979. President Clinton fully pardoned Patty Hearst in 2001. Hearst continues to insist that she was brainwashed and that her crimes were those of a victim of the SLA's mental manipulation. Golden Dragon Massacre, Imperial Palace The Imperial Palace restaurant, formerly known as the Golden Dragon, is located in the center of San Francisco's Chinatown. One of the worst nights in San Francisco's history took place in this restaurant under this name. The organized crime networks that dominated Chinatown's underground market gave rise to two competing teenage gangs: the Wah Ching and the Joe Boys. The Golden Dragon presented the Joe Boys with a chance to assassinate the Wah Ching leaders. Eleven innocent people were hurt, and five innocent people died; neither gang member was hurt. The Washington Street restaurant is still marred by the aftermath of this tragic night. Three of the five Joe Boys members who were detained, found guilty, and sentenced to prison are still incarcerated. The Asian gang task force of the San Francisco police department was established because of the massacre. The Imperial Palace is still operational and offers delicious dim sum. USS Hornet A moored aircraft carrier at the Alameda Naval Base is among the world's most haunted ships—not a pirate ship sailing the high seas. Commencing in 1943, the eighth USS Hornet engaged in numerous combat missions throughout the Pacific. Over 300 people died on board during her 27 years of active duty, many of them from suicide. Although the ship is not in operation at the moment, both the crew and guests have paranormal stories about things moving, doors opening on their own, toilets flushing, and even spectral sailors prowling the decks. The Zodiac Killer The San Francisco area was the scene of one of the most well-known unsolved crimes in history. This crime scene single-handedly made every corner of the state dangerous. About 40 miles northeast of the city, on Lake Herman Road in Benicia, California, the infamous killing spree started. David Faraday and Betty Lou Jensen, two high school students, were discovered dead next to their parked car on December 20, 1968. No witnesses were present. Darlene Ferrin and Michael Mageau were shot dead by an unidentified assailant in Vallejo, California, on July 4, 1969. Mageau lived, but Ferrin perished from her wounds. From a pay phone, the gunman called the police, boasting about his crime with pride. Three local newspapers received letters in their offices on August 1, 1969. The Zodiac Killer would become well-known for his trademark symbol, which was signed by all of the letters, which came from the same source, and all claimed to be the murderer. The murderer insisted on having his letters made public. That year on September 27, two more people came under attack. Zodiac moved his murderous rampage from Napa into the City of San Francisco on October 11, 1969. And Zodiac pulled over his taxi driver at the Presidio Heights intersection of Cherry and Washington Streets. Zodiac eluded capture by the police even inside the city. Zodiac persisted in his letter-writing campaign to the San Francisco media for almost ten years. There were many boasts and threats in each letter, but not all of them came to pass. He said he had killed seventeen people in one of his final letters. This killer's identity is still a mystery, and the crime is still unsolved. Wrapping Up The Hollywood sign, which once read Hollywoodland, is where aspiring starlet Peg Entwistle leaped to her death in 1932. (It's said that her ghost roams the trails in nearby Griffith Park.) Los Angeles feels somber, maybe because so many people come here with high hopes, and the city is hesitant to welcome every new face. The brief career of Ms. Entwistle as a siren and her premature passing at the age of 24 serve as a symbol of the peculiar contrast of the city: it is dazzling yet sinister, alluring yet menacing. There's dirt and secrets in the graveyard just beneath the shiny surface. If you know where to look, you can see the duality of glitter in the dark everywhere in the city, from Compton to Hollywood. Thankfully, a whole industry of tourism deals in the gritty side of the city for those who are interested in noir. If you have thoughts to share or questions to ask about the most dangerous cities in California, please leave a comment below. We would love to hear from you!. Read Also: Heatwaves And Adventure: Traveling To The World’s Hottest Destination From Sunrise To Sunset: A Day’s Itinerary For Exploring Benidorm Hidden Gems: Unearthing The Best Things To Do In Nottingham

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How Many Days in Venice Do you really Need to Complete your Trip?

BY  sagnika May 20, 2024

Are you going to Europe? If Venice is in your plans, let me share some of the plans that will be perfect for you. So, how many days in Venice are you planning for the trip? The capital city of northern Italy, Venice, is built on 100 small islands in a lagoon in the Adriatic Sea. Moreover, there are hardly any roads, only canals through which you can travel using gondolas. The place is filled with buildings that represent the Renaissance and Gothic periods. You will love the ambiance and surroundings if you are an old soul like me. So, are you wondering best places to go in Italy? You must also experience delicious food in Venice and visit these beautiful locations. It is very important to check out local food when you visit a place so that you can experience its culture. Factors to Consider When Visiting Venice! So, let me share with your certain aspects influencing your decision to plan your trip. The first thing you need to consider is the best time to visit! You must consider two things. If you are someone who does not like crowds, you can visit Venice during winter. However, if your plan extends for a few days, summer is the best time to visit Venice. Furthermore, you need to consider mobility issues because they will impact how long it will take you to travel across Venice. Apart from these factors, another important aspect is the Italian Itinerary! Your Itinerary will include the different places in Venice and the amazing eateries and restaurants. Accommodations come into the picture once you have decided on the places you must visit. A Few Hours in Venice There are several options based on the number of days. Accordingly, you can decide how long you want to stay in Venice and how to plan it. If you are only in Venice for a few hours, you should concentrate on St. Mark's Square. So, how many days in Venice? It is one of the most popular places in Venice, as it is the main public square of the city! Apparently, Napolean claimed that this was the world's most beautiful drawing room. The place is also known as Piazza San Marco, and it has a quite old history. There is quite an open space, with several trees lining the place. There are several government buildings and facilities in this square. Now, if you are hungry, you can go to Bacarandino, a warm and welcoming Veneziano restaurant. You can find gluten-free options, as well as vegetarian and vegan options! Another one is Osteria Numero 1, another Italian restaurant. It is a peaceful experience where you can spend a romantic evening with your partner enjoying delicious food. If you are craving Pasta, you can get hand-made Pasta here all year round. Very similar to some of the most romantic restaurants in Rome! You can take a vaporetto and travel to the Grand Canal, the major water traffic corridor in the city! A public water bus is a Venetian beauty, and you can enjoy several locations as there are about 19 scheduled lines. Then you can visit Rialto Bridge, which is an architectural genius. Another amazing place to visit is St Mark's Basilica. It is quite close to Piazza San Marco! So, once you have indulged in delicious food, you can take a stroll and visit the religious and political center of the Republic of Venice. One Full Day in Venice If you have a full day to spend, I will ask you to visit St. Mark's Basilica first and then go to Doge's Palace once you are done with the church. The church is significantly important for its religious relativity because it is the resting place of Saint Mark. If you want to check out some grandiose gothic architecture, Doge's Palace is a great place. Apparently, it houses one of the largest oil paintings in the world on canvas called The Glory of Paradise. The painting by Jacopo Tintoretto. Several masterpieces, including sculptural decoration and Gothic architecture, are exhibited here. The artists who are exhibited here are Veronese, A-Vittoria, Titian, and Tiepolo. Now that you are hungry, you can quickly go to Tuttinpiedi. A popular place in Venice, it serves food that feels like homemade street food pasta with different seasonings like wine or fish. Continue walking in the back streets after your lunch. Later in the day, you can take a gondola ride through the canals of Venice. Two Days in Venice If your plans allow you to spend two days in Venice, I have the perfect Itinerary for you. Please make sure to visit St Mark's Campanile. The bell tower is quite popular among tourists as people climb up to the tall structure and enjoy the beautiful views of the city from this bell tower. You can go anywhere in the city and see the tall structure from there. Entry costs 12 euros. You must visit this place, as it is one of the most picturesque places in Venice. If you have a problem climbing the stairs, do not worry; there is also a lift to the top. Nearby, there is also Ponte Dell' Accademia, which you can visit. The Grand Canal of Venice is quite popular, and one of the four bridges on this canal is Ponte Dell' Academia. It is at the southern end of the canal. If you or your partner dislike crowded areas, you can explore Cannaregio. When you visit Cannaregio, you will experience an authentic side of Venice. With reasonable glass pieces, you can enjoy your time with food and friends. Furthermore, after you plan a day for it, you can go on a walk to visit Museo Fortuny and Ca Rezzonico. You cannot miss Il Paradiso Perduto, where you can enjoy delicious traditional Venetian dishes. If you want to visit an opulent place to enjoy delicious food, you can go to Oro Restautant in the Cipriani hotel. It is quite extravagant and chic, so you can have a romantic lunch date with your partner. Three Days in Venice If you have three days to spend in Venice, I have an amazing plan for you! The first thing to do is head to the Murano and Burano Islands. The islands have the shape of a small Venice and are joined by bridges. They are quite popular for products such as lace, glass, and others. There are also colorful buildings across these islands, so they are a perfect heaven for photographers and visitors. Burano is quite a popular place for risotto and fresh fish, and you must taste meat, delicious desserts, and fresh fish in Murano. You can also take a gondola ride across the canals of Venice. It is one of the most romantic activities in life. Of course, you must visit St. Mark Square because, near it, you can visit different places such as St. Mark's Basilica, the National Archaeological Museum of Venice, and The Doge's Palace. If you are a museum lover, you must go to Museo Correr! With its 18th-century interior, you will lose your breath. With an extensive collection of architecture and art illustrating the history of Venice, you will experience some of the best art in life. Four or More Days in Venice This is one of the most wholesome days when planning an itinerary for Venice. If you want some beach time, go to Lido. There are also several beaches hence, there are many things to do in Venice Beach! A hamlet of the city, the water and the sand are quite gorgeous with limited crowds. For a beautiful siesta with a book, this is a perfect place to enjoy yourself and relax. A one-day trip to Padua or Verona is an ideal way to spend the second day in Venice. With the names, I am sure you will realize it is from the famous Shakespeare novel Romeo and Juliet!  There are many things to do with its gorgeous architecture, old-world charm, and quiet nightlife! If you like walking or taking a stroll when you visit a beautiful and romantic place like Venice. There is a Jewish Ghetto, which you must explore when you have time. This place shows you the culture of the place; however, it is a place where the government is forcing the Venetian people to live there. It would be best if you did not miss watching an opera at the Teatro le Fenice. An experience of a lifetime, the opera experience will stay with you forever. Conclusion In conclusion, we have provided several options based on the number of hours and days! If you are wondering how many days you will be in Venice, I am sure you have got your plan. You can decide on the places you will visit and the food you will enjoy when you visit Venice. Even though you will see a lot in Venice, it is packed a lot in a small space. Apart from the crowds of tourists, there are picturesque canals, medieval alleyways, charming cafes, and beautiful streets to walk. Starting from St. Mark's Basilica, the Central Square, and Piazza San Marco, you must cover all of it.   Comment on how many days you plan to stay in Venice and which plan suits you the best!  Learn More Also: How Much Time To Spend In Italy? 10 Facts That Will Make You Fall In Love With Italy 10 Best Beaches In Italy That Will Surprise You The Most