Pack a credit card for safer travels

Using your debit card for everyday purchases is a safe and reliable way to pay. But what if you’re 1,000 miles from your home and looking for an extra layer of security?

When you’re out of town for whatever reason, using your credit card to pay can offer you better protection and peace of mind. Keep reading to see how your wallet (and your trip) will be safer with a credit card.

Quick Links:

• Need a credit card for your next trip?
• Credit cards offer better fraud protection
• Less risk when using public Wi-Fi
• Easier handling of holds and deposits
• Rewards that work in your favor

Need a credit card for your next trip?

Before diving into the safety benefits of taking a credit card on vacation, let’s talk about what’s really important: Saving you time and money. If you need a solid, reliable card for your next trip (or for anything at all) check out our product.

• Get a low, fixed-rate on your everyday purchases.
• No fees for balance transfers
• No fees for cash advances
• Access to card alerts and controls in online + mobile banking
• Contactless transactions using Apple Pay and Google Pay

More about credit cards

Credit cards offer better fraud protection

If someone gets hold of your card information, the difference in how financial institutions handle fraud can impact your entire trip.

With a credit card, you usually get:

• Zero liability for unauthorized purchases
• Quick reversal of fraudulent charges
• No impact on your actual cash while the issue gets sorted

With a debit card, you risk:

• The money leaving your account instantly
• Longer investigation periods before funds are returned
• Potential overdrafts if the fraud drains your balance

Less risk when using public Wi-Fi

Traveling often means using hotel networks, airport Wi-Fi or cafes to check your banking apps or to book excursions. These networks are convenient, but not always secure.

Using a credit card reduces the risk because:

• Your account isn’t directly exposed
• Fraudulent charges can be disputed without financial hardship
• Credit card issuers often have stronger real-time monitoring tools

Easier handling of holds and deposits

Travel often includes situations where companies place temporary holds on your card, think:

• Hotels
• Gas stations
• Rental car counters
• Resorts

Holds on debit cards tie up your actual money, sometimes for days. Holds only affect your credit limit, not your actual cash.

Rewards that work in your favor

If you’re going to spend money on vacation, why not earn something back? Your Arsenal card earns rewards points for every purchase you make. Redeem your rewards points for:

• Statement credits
• Electronics
• Home goods
• More travel in the future.

Check out CURewards.com to see available rewards and perks.