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How to use the credit card well on a trip to save the most

It does not matter if you are a frequent traveler or not. In an age where you can buy all your adventures online, taking advantage of credit cards when traveling should be a thing of the past. However, it seems that many travelers forget a few tricks when it comes to using plastic and end up paying foreign exchange fees – which can be up to 5%.

“Luckily there are debit or credit cards with travel benefits that eliminate these commissions and allow us to use them outside of Spain without charging us anything for it”, explain the experts of the financial comparator HelpMyCash.com


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Advantages

Safer and more secure cards

According to specialists, if you are organized with the use and payment of credit cards, these can be a very useful and safe tool when traveling.

“Security is one of the main advantages of using cards during the holidays. In case the traveler loses or steals the plastic, he can block it immediately. In fact, many of them include protection insurance, in case fraudulent charges are made”, the experts detail.

Purchases

Defer payments that are made

Another point in favor is that there are cards like the WiZink Click, which allows you to finance purchases in three interest-free installments -up to 1,000 euros-. “Being able to buy without having to shell out all at once can be quite attractive. Above all, when it comes to high amounts such as an air ticket or a hotel stay”, they add from HelpMyCash.com.

But if, in addition, postponing spending does not affect the payment of interest, then the credit card becomes a true ally.


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ATMs

Withdraw money abroad

When it comes to withdrawing cash abroad, it is best to use debit cards that do not charge for this service. This is the case of plastic Revolutwhich allows you to use ATMs around the world without charging commissions or the Abanca Nx card, which allows you to withdraw money for free five times a month in other countries.

However, this operation is more strange when it comes to credit cards. “Usually, if you want to have cash with your credit card, banks usually charge between 3% and 5% commission,” they detail. Of course, there are banks that offer this service without charging an extra. “Bank Norwegian credit card, for example, does not charge fees for withdrawing cash abroad. But that does not mean that the owners of the ATM do not charge for using it”, they point out.


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Spending

save with discounts

In addition to postponing payments or benefiting from insurance, paying by credit card can mean taking advantage of excellent advantages. One can be to save on the accommodation reservation.

with the card Open Credit the Open Bank users can save up to 15% on the Booking hosting portal. And with the Abanca Visa Clip card, you can recover up to 4% each time you refuel at Galp, a really attractive advantage for those who travel by car and within Spain”, they add from HelpMyCash.com

photo XAVIER CERVERA 08/11/2021 los balmins beach, in the east of Sitges (Garraf region, province of Barcelona) with many people, bathers and especially tourists on the sand with their multicolored umbrellas, in a summer where from today it is announced heat wave that will last almost a week

General view of a beach in Sitges

Xavier Cervera


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