A credit card feature that is often used by frequent travelers is its cash advance feature. This feature allows credit card holders to take out a cash advance at an ATM. This type of transaction may include transaction fees and charges. There are credit cards that offer installment plan packages applicable to credit card cash advances. Some credit cards may also include features such as waived or discounted rates on transaction fees, interest rates, and other fees.
When planning your trip, find out which credit card allows you to withdraw cash via an ATM. Rates and fees per transaction may vary from one card to the other, so finding out which cards offer the best rates can save you money while allowing you convenience access to readily available cash anytime, anywhere.
Debit cards, which basically function the same way as credit cards when it comes to convenient access and wide acceptance, also allow you access to readily available cash when traveling. Debit cards, however, need to be pre-funded with the amount to be withdrawn. Moreover, debit cards usually don't have all the features that credit cards offer. For example, when renting a car, debit cards may not cover the Collision Damage Waiver (CDW). Some credit cards may not cover it either so if you are a frequent car rental customer, this is an important point to consider when picking the best travel credit card for you.
The convenience of credit cards over debit cards when used for travel expenses is not only with the rewards packages, bonuses, and perks that credit card account holder can use. In the case of stolen or lost card, purchases, cash advances, and other transactions incurred by the lost credit card can be identified and reverted.
These features provide credit card holders an increase security and convenience when using their credit cards abroad. Many credit cards even offer express delivery of actual credit card replacement in the event that a credit card is lost or stolen.
Credit card companies such as American Express, Capital One, Chase, and Bank of America offer a wide range of product features, rewards programs, perks and bonuses that credit card holders can enjoy. Find out which combination of features, rewards, and bonuses are most ideal for your needs. Compare sign-up bonus package offers which you can use for travel expenses. Find out how to earn travel points.
Credit card companies that let you access cash via a cash advance feature at ATMs add plenty of convenience. Compare how applicable fees vary from one transaction to the other when traveling in the United States and abroad. Credit cards designed for travel provide convenience and safe access that lets you enjoy various perks and bonuses that are easily redeemable. Photo: cherryandbees/Fotolia
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