5 Reasons To Use a Credit Card When Traveling

Whether you're backpacking through Europe or heading to Southeast Asia for some sun and sand, a credit card or two should be on your packing list. Beyond convenience, a credit card can offer protection, rewards and peace of mind that cash simply can't provide.

Here are five reasons why you should use a credit card when traveling.

1. It Offers Financial Flexibility

Travel credit cards offer instant purchasing power when you need to book flights or hotel stays without available cash. As long as you pay off the balance in full, you typically get a short interest-free period to float the cost—perfect for bridging gaps without dipping into savings.

In a pinch, credit cards can serve as an emergency option if you ever need quick access to cash. That's because credit cards can provide cash advance options at ATMs worldwide.

Bonus: Credit cards often offer better exchange rates than pricey airport currency kiosks or foreign exchange offices. That's money saved—and more gelato or tapas in your travel budget.

2. You Can Get Access to Travel and Lifestyle Services

Some credit cards—like the Synchrony Premier World Mastercard® or the Synchrony Plus World Mastercard®—include complimentary concierge services that can act like a personal assistant for your travel and lifestyle needs.

Short on time? Your concierge can help suggest top tourist attractions, book restaurant reservations or even locate an English-speaking doctor if you need medical care abroad. Concierge services can save you time, reduce stress and offer a real human touch if travel plans get complicated.

3. It Protects You and Your Purchases

Traveling with a credit card means you've got a security net if things go sideways. Most issuers offer zero-liability protection, so you generally won't be held responsible for unauthorized charges—as long as you report them promptly.

If your card is lost or compromised while you're abroad, you can typically freeze it through your mobile app or call a 24/7 support line. Some issuers can even ship a replacement card to your travel location within 24 to 48 hours.

Credit cards also feature built-in security measures such as chip and PIN technology and contactless payments. These methods make it more difficult for thieves to copy your card information during transactions. It's not Fort Knox, but it's a heck of a lot safer than carrying wads of cash.

4. Earn Rewards and Get Access to Perks

Traveling is expensive—why not earn something back every time you swipe? The Synchrony Premier World Mastercard® offers unlimited 2% cash back* on every purchase, with no rotating categories or confusing spending caps. Rewards are automatically credited to your billing statement each month, making it as easy as buying that extra tapas plate in Barcelona.

As a World Mastercard holder, you also gain access to Priceless Experiences®, an exclusive collection of curated events around the globe —such as private cave dining in Turkey and a designer handbag-making class in Paris. These events aren't free, but they're unique, and often something you can't book anywhere else.

5. You Can Keep Track of Your Budget

Credit cards make it easier to track your travel spending—no spreadsheets required. With detailed digital statements and real-time mobile alerts, you'll know exactly where your money's going, whether it's street food in Thailand or train tickets in Switzerland. You can also check your app regularly and spot overspending before it derails your trip. Splurged on sushi? Maybe hit a museum with free admission tomorrow.

Even if you don't have time to track every cent while traveling, reviewing your charges when you get home can help you fine-tune your budget for the next adventure—and avoid wondering where all your money mysteriously vanished.

Tips for Traveling With Credit Cards

Using credit cards when traveling has benefits, but a little prep can go a long way toward avoiding hiccups abroad. Here's how to stay ahead:

• Notify your bank of your travel plans: Ensure your credit card provider is aware of your upcoming plans so that new purchases aren't flagged as fraud and your card remains unlocked.
• Pack multiple cards: Cards can get declined, eaten by ATMs or blocked. Be sure to carry a backup!
• Enable transaction alerts: Real-time notifications can help you catch fraud fast and stay aware of how much you're spending.
• Pay in the local currency: When given the option between the local currency and U.S. dollars, opt for the local currency to get the best exchange rate and avoid surprise markups.

Travel With Confidence Now

The right credit card doesn't just help you pay for travel; it helps you travel smarter. The no annual fee Synchrony Premier World Mastercard® offers unlimited 2% cash back, Mastercard ID Theft Protection™, and access to Mastercard Travel & Lifestyle Services® and Priceless Experiences®*. It's like having a seasoned travel buddy in your wallet—one that earns you rewards, watches your back and opens doors you didn't even know existed.

READ MORE: 10 Big Benefits of Using a Credit Card