Fördelar med att ha rätt kreditkort med dig på resan

Today we present a guest article

The benefits of travelling with a credit card are fairly well known. From higher security to benefits such as bonuses and luxurious perks like access to airport lounges, the list of advantages is endless.

That's why we thought we'd share the best benefits and tips for those planning to travel with a credit card. The website creditkortsval.se is run by some of Sweden's leading credit card experts, where they have tested, compared and listed the best credit cards in several different categories, including for travelling. The following article is based on what the experts recommend to consider when choosing a card for travelling.

Before travelling

First of all, there are a number of benefits you can enjoy even before you set off on your trip. For example, if you choose a credit card with rewards - specifically airline miles - you can use the points you earn to book cheaper and better flights and hotels. There are also credit cards with cashback. These allow you to get money back on certain travel costs, a bit like a discount.

Virtually all credit cards on the Swedish market today have a supplementary travel insurance and it requires you to book at least 50% (sometimes 75%) of your trip with your credit card. If you do, you and your fellow travellers get extra protection against, for example, delays, accidents and illness.

Using your credit card correctly before travelling can help you save money and ensure that you have the best possible insurance cover.

During the journey

Then, when you hit the road, there are additional benefits to enjoy. Many of the best credit cards in the "travel card" category offer luxurious perks such as lounge access, fast track and concierge services. These cards simply give you access to airport lounges all over the world, can be used to get ahead of the queue for security checks, and allow you to get help booking events, experiences and restaurants while travelling.

Of course, the fact that you can now pay with your credit card in many countries around the world is also a big advantage. This means you don't have to handle cash when travelling and can make safer payments.

Keep in mind, however, that there may be additional charges when using a credit card while travelling, including currency surcharges and withdrawal fees. If you are travelling for a long time, you may therefore want to choose a card without these charges.

Security

Finally, the biggest advantage of having a credit card with you when travelling is security. Credit cards are among the most secure payment methods available. Not only do they have advanced encryption that secures every transaction, but credit card providers often have favourable terms and conditions that allow you to easily recover incorrect transactions.

If you also choose to connect your credit card to a digital wallet you can further increase security as new card details are created for each transaction, significantly reducing the risk of skimming.

Just make sure you open the card for use abroad before you travel and always have the number of the creditor's cancellation service close at hand in case you lose your credit card.

ATTENTION! There is always some financial risk involved in using credit, so make sure you never spend more than you can afford and that you always pay your bills on time.