Why is it better to book on credit card?

Almost all credit cards offer ancillary benefits, including purchase protection, extended insurance coverage, and other travel insurance perks. Using your credit card for flight ticket booking brings your lost luggage insurance into force.



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Make sure to use a credit card for any travel bookings. You'll shield yourself from personal liability due to fraudulent activity and be able to easily file a chargeback if your airline, hotel, or other companies go out of business and a refund is not issued.

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Credit cards typically offer all kinds of perks and benefits, including a one-time signing bonus for a new cardholder, cash back for purchases, rewards points, and frequent-flyer miles. Credit cards provide a level of safety for the user that a debit card and cash can't: fraud protection.

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Benefits of paying for a hotel with a credit card Using a credit card to book your hotel stay can be a good option for both parties. The hotel may gain a sense of security, and you may have the opportunity to earn perks and benefits.

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It's Cheaper to Book Direct When you book directly with the hotel, there are no hidden fees. Using third-party booking services has additional fees that you may on top of the rate. Online travel agents also charge a commission, which could be up to 20% of the booking, from the hotel.

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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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Purchases you should avoid putting on your credit card
  • Mortgage or rent. ...
  • Household Bills/household Items. ...
  • Small indulgences or vacation. ...
  • Down payment, cash advances or balance transfers. ...
  • Medical bills. ...
  • Wedding. ...
  • Taxes. ...
  • Student Loans or tuition.


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If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

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Paying with a credit card makes it easier to avoid losses from fraud. When your debit card is used by a thief, the money is missing from your account instantly. Legitimate expenses for which you've scheduled online payments or mailed checks may bounce, triggering insufficient funds fees and affecting your credit.

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Best credit cards for first-class upgrades
  • Alaska Airlines Visa Signature® credit card.
  • Delta SkyMiles® Blue American Express Card.
  • Delta SkyMiles® Gold American Express Card.
  • Chase Sapphire Preferred® Card.
  • Chase Sapphire Reserve®


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Sometimes, you might find a lower last-minute fare on an OTA, or occasionally, you may find a glitch in the system offering an outrageously low fare, but the best deals are almost always found when you book directly through an airline's website.

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In theory, they keep you from having to visit a host of different websites before booking a trip. They also provide the added benefit (in the eyes of some, at least) of populating all of your travel details in one place, from your flight to your hotel stay and car rental.

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Use the right flight booking tools For the most part, you'll want to use an online flight search tool like Google Flights, Kayak or Skyscanner. We prefer Google Flights for its mix of simplicity and power, so we'll use it for examples throughout this article.

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Hotels typically require a credit card when making a reservation because it provides them with the assurance that payment will be made. A debit card does not offer this same level of security, as there may not be enough funds in the account to cover the cost of the stay.

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Credit cards are still the preferred method of payment, but digital wallets (or e-wallets), such as Apple Pay, Samsung Pay, or Google Pay, are considered to be more secure and more convenient than credit cards.

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