Here's Why I Carry a Backup Credit Card When Traveling

While I sometimes use cash to make purchases, I often use rewards credit cards. This strategy allows me to earn rewards for my everyday spending. Plus, using credit cards responsibly is good for my credit score. However, I only charge what I can afford to pay off so I don't rack up expensive credit card debt.

I also use credit cards when I travel, but I pack more than one credit card. Here are a few reasons I always bring an extra credit card when traveling.

I'm protected if my credit card gets lost or stolen

No matter how prepared you are, unexpected incidents can happen anytime. I'm cautious when carrying cash and credit cards when traveling, but there's a chance that my money or cards will become lost or stolen.

If this ever happens to me, I want to ensure I can continue paying for everyday essentials while I'm in a non-familiar place. That's why I always bring a second credit card when on a trip. That way, I have another source of funds to continue my journey as planned. Once I reach my intended destination, I hide a second credit card away from the card I plan to use primarily.

If I'm staying in a hotel with a safe, I usually place one of my credit cards and passport there. If I don't have a safe, I'll tuck one of my credit cards within my personal belongings in a place only I know about so it's out of sight but available if I ever need it.

I feel more confident traveling solo

I don't always travel alone, but planning solo getaways is not unusual. The last thing I want to do is feel unsafe while traveling on my own. Bringing a backup credit card when traveling makes me feel more confident and prepared so that if one of my cards is stolen or lost, I don't have to rely on others to help me while I'm far away from home.

Since I like to travel internationally, I often operate in a different time zone than my loved ones back home. If I needed their help accessing money, it could take a while due to the time difference. But with a backup credit card, I have the funding I need if an emergency happens.

Be strategic about which credit cards you bring when traveling

If you like using credit cards, it's wise to consider which ones to bring when you travel. Think about how your credit cards earn rewards and the purchases you plan to make. If your spending will vary, a credit card that offers flat-rate rewards may be best. But if not, a dining or travel credit card may be the better option. Being strategic about which rewards or cash back or credit cards you bring can allow you to boost your credit card rewards.

You should also consider fees. If you're traveling outside the United States, you'll want to bring a card with no foreign transaction fees. If your card charges foreign transaction fees, you'll have to pay a fee every time you swipe your card for purchases made in a foreign currency.

Many credit card issuers charge a fee of 3% for foreign transactions. You can avoid extra fees like this by being prepared and bringing credit cards with no foreign transaction fees when traveling abroad. Check out our list of the best credit cards with no foreign transaction fees.

Keep your finances top of mind

It's wise to pay attention to your finances, whether traveling to a nearby city or a far-away country. Sure, your packing list and itinerary are important. But you should also consider your financial needs and what you would do if you lost one of your credit cards while on a trip.

Bringing a backup credit card is one way to be financially prepared so you can continue your journey as planned. Are you considering applying for a credit card that earns travel rewards? Check out our list of the best travel credit cards for inspiration.