5 Great Times to Use Your Credit Card While Traveling

Posted July 22, 2022 by in Lifestyle
Airline ticket inside a US passport

The benefits of credit cards don’t stop at using them while in the comfort of your couch or office desk. A credit card’s usefulness extends beyond the borders. Credit cards have grown to become travelers’ best friend and the preferred way to settle expenses one might incur during their trip. 

So, whether you are using it for security reasons, out of habit, or for convenience, below are great times to use your credit card while traveling.

Woman pulling luggage through train station

1. When Taking Advantage of Car Rental Services

Car rental services are increasingly gaining popularity among travelers. This is because of the convenience rental cars provide. It’s also a cost-effective way to tour places in your destination. 

There are credit card options that include travel insurance and car rental insurance as well. These might be the best cards to choose from if you are a frequent traveler.

2. Paying For Privileged Services

Oftentimes, a trip may require spending time at some resort or luxurious hotel. Whatever your inclinations, paying at these accommodation facilities will be made easier when using a credit card. 

In this case, the card can help you save money when traveling on a budget because you might even enjoy lower rates and some discounts on accommodation depending on the type of credit card you have. 

Among the types of credit cards you might consider using for such experiences include:

3. Taking Advantage of Affordable Exchange Rates

When traveling abroad, foreign currency conversion rates can be steep depending on your destination country. Now, part of what makes credit cards a better tool to use on your travels is that some card options will offer you better exchange rates. Some bureaus might not charge you an extra dime when making such transactions.

4. Seeking Convenience in Shopping

From the fear of carrying hard cash on you when in unfamiliar territory to currency conversion hurdles, making purchases while abroad can at times be super-hectic. With a credit card, however, some of these stresses can be eliminated since these cards are usually accepted internationally. 

Moreover, shopping with a credit card is incredibly simplified these days, all you need is to insert the card into a POS at the shopping designation, and, voila; you’re good to go! Your payment is processed in as little as a few seconds. Shopping abroad using your credit might also earn you some points on reward programs.

5. To Get More Miles on Your Trip 

Some credit cards will earn you more travel miles depending on the worth of your card and the airline used. Earning more travel miles will depend largely on your type of credit card as well as the issuer.

View outside airplane at sunset

Considerations When Choosing a Credit Card

Make Sure Your Card Is Valid For Your Whole Trip

To enjoy the perks that a credit card offers, it’s of the utmost importance to ensure that the card is valid. 

All credit cards will come with an expiration date. Usually indicated on the front side of your card, the expiry date of your credit card will determine how long it will be in use. The last thing you want is to get stranded at a facility abroad trying to pay for a purchase with an expired credit card! 

Your Spending Habits 

It’s critical to always observe your spending habits, whether on a trip or at home. If you’re the spendthrift type, you might want to think again before picking one of those credit cards that come with benefits and reward programs. Such might put you into spending more than you had planned. 

Security Concerns

If you are planning to use a credit card for your travels, ensure it comes with a protection package in case it gets lost. Notifying the card issuer immediately after the loss of a credit card will greatly help avert fraudulent issues. 


The above key pointers can help you decide on whether to use a credit card on your next trip or not. Always ensure to weigh your options before making any drastic move.

Read more: