Reasons to travel with a good travel credit card

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Credit Card Applications » Research » Guides » Travel with Credit Cards » Reasons to travel with a good travel credit card

Reasons to travel with a good travel credit card

The content is accurate at the time of publication and is subject to change.

When you are planning for a travel vacation, there are several reasons why you should go with a good travel credit card. There are some monetary benefits involved and some matters of backup too especially in crisis situations abroad.

You can get rid of cash

Your credit card will help you spend without carrying wads of cash in your pocket. For matters of sheer safety this is much better than carrying money with you or a debit card, especially when you are travelling in places which aren’t really safe. A single credit card would lower the burden in a great way.

No need to worry about foreign exchange

You can use your credit card to spend at most reputed hotels, restaurants and entertainment arenas. So you don’t really have to pay high commissions for foreign exchange. Most credit cards will charge you 3% as currency conversion fee when you spend on your credit cards abroad. However, there are some credit cards which charge you just 1% to cover for what payment processing networks like Visa and MasterCard charge. There are some card companies which waive off the fees completely and pay the 1% from their own pocket. Whatever be the scenario, you stand to gain as it makes things much easier for you.

Lost card replacement

No one replaces stolen cash. But good credit card companies have a hotline where you can call as soon as your card is lost or stolen. The card is blocked immediately and within a couple of days’ time you would receive a replacement card. To ensure you aren’t stuck without cash, some card companies even give you spare cash while your credit card replacement arrives. This is highly convenient especially when you are travelling abroad.

Travel insurance

Some of the travel cards have different types of coverage for the benefit of the customer. You get travel accident insurance as well as lost baggage reimbursement in most cases. Some cards also have trip cancellation insurance that covers for the losses suffered by you due to trip cancellation.

Discounts at hotels and restaurants

Travel credit cards allow you to benefit from discounts on your hotel bills, restaurant bills as well as entertainment expenses. In some cases, you are allowed to get these discounts by redeeming your reward points that you have accumulated over a period of time. You can also redeem these points for discounts on your air ticket.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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