Is there a benefit in booking flights with credit card?

Insurance benefits You may need different insurances while travelling and booking flights on a credit card allows you to claim your insurance perks. Booking airfare with your credit card can give you lost luggage insurance for your flight and offer travel accident insurance in an emergency.



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Every time you purchase an airline ticket with your credit card, you could earn valuable bonus points or miles toward your next award trip. And you can't forget about the perks that make your flights go smoother and protect you when things go wrong, such as airport lounge access and trip delay reimbursement.

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While booking a flight directly with an airline is often your best move, it's not always your best move. With many travel credit card programs, you have the ability to use points for flights or earn bonus points when booking through their respective sites.

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It can provide protection Depending on which type of credit card you have, you might get some valuable travel protections by booking your trip with it. For example, some cards like the Chase Sapphire Preferred® Card provide lost luggage reimbursement, travel accident insurance and travel emergency assistance services.

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Using a debit card to withdraw local currency from an ATM in that country will always get you the best exchange rate possible. For all other aspects of travel – from booking the flight and lodging to planning excursions and tours, use a credit card. Your future traveling self will thank you.

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Using a credit card to book travel is one of our top tips for booking travel now – and always. It's one of the best ways to protect yourself against the uncertainty of travel.

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The main negative aspect of airline credit cards is the lack of redemption options. Since you'll only earn a single frequent flyer currency, you can only redeem miles with that specific airline and its partners.

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The Best Airline Credit Cards
  • Capital One Venture X Rewards Credit Card: Best Overall.
  • United Club? Infinite Card: Best For United Flyers.
  • Chase Freedom Flex?: Best No Annual Fee Card for Flights.
  • Chase Sapphire Reserve®: Best For Travel Partners.
  • Aeroplan® Credit Card: Best Mid-Tier Airline Card.


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On top of that, the issuer often rebates the usual merchant processing fees when the customer makes a purchase from the airline. So co-branded cards carry precious few costs while bringing in easy revenue. Considering that, an airline would almost be foolish not to offer one or several.

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Exchange cash before leaving the United States You can avoid all transaction fees by paying for your purchases in cash while you're abroad. Banks and currency exchange stores will exchange U.S. dollars for most major currencies, and you can do this before you leave.

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While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.

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Be flexible with destination, airport and dates Use Google Flights to see if there are cheaper places to go by leaving the destination field blank when you search. Check nearby airports if you're set on a destination. And use the calendar views to find lower prices on different dates.

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Average domestic airfare price by day
  • Tuesdays and Wednesdays are the cheapest days to fly domestically.
  • Saturday and Monday flights can help you avoid the Sunday rush.
  • Wednesdays and Thursdays are the cheapest day to fly internationally.
  • Book one to three months in advance.
  • Set a price alert.


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Timing plays an important part. Specifically, plane tickets usually don't get cheaper closer to the departure date. Instead, flights tend to be the most inexpensive when you book between four months and three weeks before your departure date.

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