What’s a great way to enhance your vacation experience? Cut expenses without sacrificing enjoyment.

Believe it or not, your credit cards provide numerous opportunities to do just that. Smart use of your card during the trip can lead to significant savings.

However, it's essential to only charge vacation expenses to your credit card if you can pay the balance in full. If your budget allows, here’s how that little plastic card can translate to more savings:

Booking Your Trip

In 2018, the average introductory bonus for travel rewards cards was 40,556 points, over twice the bonus from 2008, according to MagnifyMoney. That’s around $400 in value, with many cards offering even more. If you don’t have a travel rewards card yet (or want to switch), now’s the perfect time to grab a generous signup bonus.

Frequent flyers with a specific airline should consider that airline’s co-branded credit card for maximum point accumulation and value upon redemption. Alternatively, choose a strong travel card with a significant signup bonus that rewards you for every purchase, such as Barclay Arrival+, which offers 60,000 miles as a signup bonus, along with 2x miles on all purchases and 5% back towards your next redemption. (Be mindful of annual fees and ensure your rewards exceed those costs.)

Maximize savings by redeeming rewards you've already earned to cover parts or all of your trip. To check the value of your points or miles, consult valuation charts like the one from The Points Guy, which shows what your miles and points are worth.

At the Airport

Paying $30 for each checked bag? No way. Co-branded airline cards typically waive fees on the first checked bag, often including companions. Plus, these cards may grant access to exclusive lounges and priority boarding, even with economy tickets. Enjoying complimentary wine and snacks during a delay can save you from overspending at airport bars. Premium rewards cards might also reimburse you for hundreds of dollars in airline fees annually, covering expenses like baggage fees or in-flight purchases. Some even take care of your Global Entry or TSA PreCheck fees, saving you an additional $100 and precious time.

At the Rental Car Counter

Many credit cards, especially premium ones, cover rental car insurance, which can also be covered by your personal auto insurance. Read your credit card agreement to avoid paying for coverage you may already have, advises Roshni Agarwal, co-founder of The Vacation Hunt.

At the Hotel

If you hold a hotel-affiliated credit card, joining the loyalty program could double your points. Even without a hotel card, signing up for a loyalty program can provide benefits like complimentary Wi-Fi (valued at $10 to $15 daily) or late checkout.

For International Purchases

Credit cards often offer better exchange rates than airport kiosks or other locations. Plus, using a card is safer than carrying cash. Just make sure your card has no international transaction fees.

On Attractions

Explore your credit card rewards portal for discounts or exclusive access to events or activities at your destination. Cardholders of American Express and Visa Signature, for instance, can receive discounts, preferred seating, and early access to Broadway tickets. Some rewards cards even provide unique experiences for cardholders.

Dining Out

Dining expenses during your vacation present another chance to rack up points and save money using your card. Certain cards offer bonus points for restaurant spending—the Capital One World Elite Card, for example, awards triple points on dining expenses.

Other programs offer dining discounts through card-linked offers with select restaurants. By registering any credit card with the AAdvantage dining program, you can earn American Airlines miles while enjoying meals at participating restaurants.

Even without a hotel-affiliated card, loyalty program signup can lead to perks like complimentary Wi-Fi (valued at $10 to $15 daily) or a late checkout.

For Travel Emergencies

No matter how well you plan, unexpected events like bad weather or medical issues can disrupt your trip. Many credit cards include travel insurance coverage, protecting you against missed flights, lost luggage, or travel accidents.

For Significant Purchases

Charging special mementos on your credit card offers excellent consumer protection. “I always use my card for jewelry purchases while traveling,” shares Elizabeth Avery, founder of the travel blog Solo Trekker 4 U. “Then I have a local jeweler check that the item contains the gemstones, gold, or silver claimed by the seller.” If you buy large items like carpets or artwork and need them shipped home, your credit card company may cover any damages or losses during transit.

What a smart way to acquire jewelry!