2. Seek the perks
Not all cards offer the same benefits. And some of them "might have perks that come into play when traveling," says Tiffany.
If you usually use your cards to buy nothing more exotic than gas and groceries, you might not know if any also offer things, such as:
- Concierge services.
- Discounts on rental cars.
- Free breakfasts or late checkouts at hotels.
- Free or discounted medical travel insurance.
- Emergency evacuation insurance.
Are you buying something expensive for your winter travels, like a plane ticket or a weeklong hotel stay? Opt for a card that gives rewards or points, says Danielle Fagre Arlowe, senior vice president with the American Financial Services Association.
And look for ways to amp up your rewards, such as booking through the card's website, she says.
Bonus travel tip: Don't keep all your cards (or your cards and card replacement information) in the same place when you travel, says Eva Velasquez, president and CEO of the Identity Theft Resource Center.
That way, if some cards are lost or stolen, you'll have others you can use, she says. And when cards are stolen, you'll still have the information you need to replace them.