It’s Not Too Late to Travel for Cheap This Summer With Credit Card Rewards

A summer vacation can provide a much-needed escape, but travel costs can quickly add up. I have good news if you want to take a last-minute summer getaway without going broke. 

You can use credit card rewards to fund your travels. Doing this can help reduce your vacation spending so you can enjoy your trip without feeling added financial stress. Here’s how. 

How to earn credit card rewards

With the right credit card in your wallet, you can earn rewards when you swipe your card for everyday purchases. Many top-rated rewards credit card options are available. If you want to redeem your rewards for travel expenses, like hotel stays and flights, consider applying for one of the best travel credit cards. 

What to look for in a rewards credit card

As you explore credit card options, review each card’s details to pick a card that meets your needs and goals. Here are some moves to make. 

Find out how the card earns rewards

Knowing how a credit card earns rewards is essential. Some credit cards provide flat-rate rewards on all purchases, while others offer bonus rewards in select categories, like dining or travel. Understanding how the card earns rewards can allow you to choose a card that matches your typical spending habits to maximize your rewards. 

Review redemption options 

Not all rewards credit cards function the same way. Some offer cash back rewards as a statement credit to your account, while others provide multiple redemption choices. Some travel cards allow cardholders to redeem their rewards for travel by booking through a travel portal. 

Meanwhile, other travel cards allow you to earn rewards by transferring them to select airline and hotel partners. Choose a card that offers redemption methods that work well for you. 

Explore the card’s benefits

Some rewards credit cards include generous travel perks, like credits for TSA PreCheck or airport lounge access. It’s wise to choose a credit card with benefits that you value. Consider an alternate card with different benefits if you won’t benefit from the perks provided. 

Find out the annual fee

If you’re considering a rewards credit card that offers significant benefits, you may be required to pay a yearly fee to use the card. Pay attention to the annual fee before you apply for a card. 

You want to ensure you can comfortably afford the fee and that the benefits provided match the cost of using the card. If you’re on a tight budget, explore some of the cards on our no annual fee credit cards list. 

Make summer travel more affordable

Looking for a way to take a quick escape without draining your checking account funds? It’s still possible to earn enough credit card rewards to help cover the cost of an exciting summer trip. 

Applying for a credit card and earning a welcome bonus is a great way to quickly earn a sizable stash of rewards. 

But ensure you can meet the minimum spending requirements without accumulating credit card debt. You can avoid expensive credit card interest by paying your monthly statement balance in full. 

Ready to plan your summer getaway? Check out our list of the best cash back credit cards. 

Alert: our top-rated cash back card now has 0% intro APR until 2025

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a lengthy 0% intro APR period, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes.