With fraud protection, you won't be held responsible for unauthorized charges made with your card or account information. If your credit card is lost or stolen, you won't lose your real money and can easily contact your issuer to cancel your card. When using your credit card or debit card, fraud protection can play an important role in securing your money and account. Cash can be easier to misplace and gives you the extra hassle of converting currencies. Using a credit card when abroad is much easier than carrying a wad of cash around in your pocket. Free hotel night on your account anniversary.TSA PreCheck ®/Global Entry application fee credit.With a travel credit card, you might have access to extra perks that are designed to give cardmembers added convenience while on vacation, including: You may not be able to access these deposit funds until the hold is lifted, which can take days or weeks. When using a debit card to book your hotel stay, the hotel will usually take the money out of your account right away. If you use a credit card to check in, the hold will appear as a charge that will be taken off your account. This hold acts as a security deposit to cover the cost of your stay and, sometimes, extra fees. Regardless of the type of card you use to check in, a hold will be placed on the card. When booking a hotel stay, many hotels may consider debit cards to be riskier than credit cards. This takes away the hassle of deciding on how much money you should convert before traveling. No need to convert currencyīy using a credit card, you'll have the added convenience of not having to switch to the local currency. Having a card without this fee will make your trip a lot less expensive. There are many travel credit cards that don't charge foreign transaction fees when you're traveling overseas. These fees are typically around three percent (3%), and while that may not seem like a large percentage, your foreign transaction fees can add up over the duration of your trip. A foreign transaction fee is an added charge to every purchase you make abroad. When traveling to a foreign country, you might run into foreign transaction fees. Many travel credit cards come with travel protection to help with unexpected problems that may arise during your trip. Trip delays, cancellations and emergencies can turn travel into a nightmare. Many travel credit cards also give cardmembers extra points for other travel purchases, such as car rentals and dining. If you use a credit card affiliated with a hotel or airline, you may receive bonus points or miles for airfare or a hotel stay with the associated chain. Potential extra rewardsĬredit cards such as general travel, hotel and airline cards give cardmembers extra points and miles for travel-related purchases. Benefits of using a credit card for travelĪ credit card can make spending easier and provide convenient protection when you travel. A travel credit card can be particularly useful on vacation and may give cardmembers travel benefits including rewards, travel insurance and no foreign transaction fees. While you don't need a credit card for your upcoming vacation, using one for your purchases may provide benefits and can eliminate some of the hassles associated with travel.
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