How Can Your Credit Card Save You Money On Holiday Travel

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. However, credit card holders are expected to pay back 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 click here to 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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What Is Universal Pass? – Registration, Application, And Login

BY ArnabFeb 22, 2023

You might be familiar with the term universal pass. It was quite popular during the covid-19 pandemic. People, especially the front workers of society, were allowed to have these passes, which helped them travel without restrictions during the covid lockdown. It is necessary to follow the covid 19 lockdown rules and regulations. However, living takes work, and work takes us outside our safe zone. That is why introducing the Universal Travel pass was a great decision. So, what is this travel pass, and how does it work? This article should give you a clean and complete overview of the same. What Is A Universal Travel Pass? 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If citizens need to go out during the covid lockdown, they should have the UTP with them along with other necessary documents. I hope that this article was helpful. If you have any questions about the same, you can approach us for clarification. Please comment below to engage with us. We cherish and encourage your support. Read Also: Top 3 Party Destinations For Safety-Conscious Tourists How To Apply For A Passport Online In This Pandemic? Canadians Can Forget Their Winter Vacations Despite COVID-19 Travel Insurance

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5 Things To Pack For Your Next Vacation

BY ArnabJan 23, 2023

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READ MORE Grand Canyon East

Best Time To Visit Grand Canyon East National Park

BY Mashum MollahNov 25, 2021

I am a travel freak, and I have traveled to a lot of places around the world. Since I am an Indian I started my traveling journey from India, every part of India has been covered. Even the remote areas that you won’t find on maps.  I am taking a break now, and right now I am at my aunt’s place, who happens to live in the United States. A week ago we visited the Grand Canyon East National park and now I am convinced that it is a well-known national park in The United States.  The place attracts millions of visitors every year, people from all over the globe come to see the mile-deep canyon that is 227 miles along with Northern Arizona. If you are interested in visiting the Grand Canyon East you should plan what you are going to do there, I mean like hiking, water rafting, or camping.  Apart from sightseeing, these activities are offered. And all of them depend mostly on the weather, so you also have to choose the right best time.  In this article, I will be giving you all the information and experience that I have gathered about Grand Canyon East National Park. Stay tuned.  The another national park is Kentucky National Parks In USA. Best Time To Visit Grand Canyon East The Canyon is divided into the North, South, West, and East rim. Here are some short details about them.  South Rim It is located in the Grand Canyon East National Park and is considered to be the most beautiful side of the park. The south rim attracts 90% of the tourists. The right time to visit South Rim is September, so pack some warm clothes.  North Rim Though not as beautiful as the south rim, people do visit that site too. The north side is known for hiking trails. So hikers, mark it. There is a large terrace overlooking the Canyon. The best time is early summer. The place is less crowded than the south rim, therefore during the peak season, the place can be visited. The North Rim is always going to be the cooler side of the Grand Canyon East .  West Rim  The west side has become famous because of its skywalk. The skywalk and Havasupai waterfalls are located there.  The perfect time to visit the Westside is Spring of course as a whitewater rafting trip, that mostly departs from the west rim East Rim  The east side is not much, though it has Antelope Canyon and Horseshoe Bend that is now slowly becoming infamous.  Summer is going to be the best time to visit the East rim, but the summer is pleasant there.  Best Time To Visit Grand Canyon East National Park Here I am going to tell you the overall time that is suitable to visit the Grand Canyon East , National Park. You can also go here for solo travel.  Spring (March to May)  Spring and Fall are known as the ‘shoulder seasons’ and are the best time to visit the Grand Canyon East . During this season the crowds are less and the temperature as well.  Advantages The moderate temperature is suitable for hiking. The temperature gets high in the daytime on the South rim range about 50 to 60 degrees. The West Rim gets high about 70 to 80 degrees.  The peak season is suitable to visit because the crowd gets thinner. There is almost no rain during the fall. This season is the season when the wildflower blooms in the South and North rims, though it varies on the participation that falls in winter, still the view is something to hold onto.  Disadvantages  At night it gets cold with temperatures ranging from the 20s to 30s. The weather is always going to surprise you with late rains and snowfall.  The North Rim can be visited even when it’s snowing. Packing For Spring  Springs are unpredictable weather therefore here I made this list of clothes that you should carry  A pair of shorts. T-shirts. Pants. Sweaters that don't make you feel too hot.  Scarf and hat. Comfortable shoes, if you're hiking. Sunglasses and sunscreens must. A water bottle that can be reused. Summer ( May-August) Your children are having their summer vacation, which makes a family trip to the Grand Canyon East. Be careful this season is the hottest and the crowdest. Advantages  Summer is good for making plans with family, without letting the children cut school.  Sunny days are enjoyable while exploring the Grand Canyon East National Park. Tourism companies are everywhere and many activities emerge due to the increasing crowd.  The North Rims stay open! The temperature is cooler than the other parts of the national park.  Disadvantages  The summer season is full of activities, even booking lodging gets tough, but if you are there do not quite like the crowd. Visit the North Rim instead.  Daytime temperature can be very hot in the South Rim and even hotter in the West Rim, and within the Canyon, it's basically boiling. Sun causes sunburns, therefore, applying sunscreen is a must. Even in the breezy days too.  If you are hiking, there are chances of you becoming dehydrated. Heavy rainstorms will appear but won’t stay for long. Packing For Summer  Tank top. Long-sleeved tee. Shorts. Pants. Waterproof jacket. Shoes and socks. Waterproof sandals. Sunscreen and shades. A hat. water bottle. Autumn (September-November) This season is like spring, with less crowd and smooth weather.  Advantages  During the daytime, the temperature starts to cool down and at night gets very cold. Kids get back to school, therefore fewer crowds. The Autumn Foliage beats nothing. The sunset is beautiful and fast as the days are becoming shorter. Disadvantages  The disadvantages are exactly the same with the spring season.  Packing For Autumn T-shirts. Shorts. Pants. Light sweeter. Waterproof jacket. Scarf. Comfortable shoes. Anti sun cosmetics and accessories. water bottle. Winter (December- February)  Winter has the rumor to obstruct views but the fewer crowds and a snow-covered Canyon can be a peaceful time to visit. Advantages  Crowds are almost not here, here you have the chance to take the perfect photo and can book a  hotel if you wish to spend the night there.  Hotel deals are easier to find and cheaper. South Rim stays open because winter is good for hiking. Disadvantages  Snow in winter can delay travel and makes it difficult to hike.  The days during the winter become very cold and even colder at night. If you want to get warm head to the West Rim. The North Rim is closed. Packing For Winter Thermal inner Long-sleeved t-shirt  Sweater Warm pants Parka Gloves Winter caps Waterproof boots  Sunscreen and glasses must. Accommodations  1. Phantom Ranch This place will offer you to stay below the rim, inside the Grand Canyon East . It has dorms for each gender, 5 beds, and a shared bathroom. Dorms are for hikers only.  It also has cabins that hold 10 people, with bedding. 2. Bright Angel Lodge and Cabins This place is in the Grand Canyon East Village.  It has cabins, with necessary things but cannot be booked online. 3. El Tovar Hotel  It is located on the Rim. 78 rooms are available and 12 suits. Each room has its own decor. It is the only hotel in the village that offers room service, room dining.  4. Yavapai Lodge  It is the largest lodge in the park situated half a mile from the Rim. Yavapai Lodge can give you rooms on short notice though. All the rooms on the east side are air-conditioned and the west side has rooms that are pet friendly.   You can also visit: 10 Best Things To Do In Navarre Beach,Florida Conclusion  So, there you go with all the information about the Grand Canyon East National Park. After reading the article I am sure that you are now with plenty of information to visit the place. My sisters and I enjoyed a lot in the National Park, my uncle is a hiker, and so am I. We enjoyed a long hike in the North Rim. The place is pretty beautiful to watch, especially the sunset. I hope you will find it beautiful too, and my article will be of no waste.  Leave a comment below in the comment section and share with me your experience.  Read More: A Guide To National Parks In Wisconsin A Guide To National Parks In Arkansas  A Guide To National Parks In Oklahoma