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Saturday, May 19, 2012 at 7:19:23 PM

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One of the biggest expenses many people face during the summer is the cost of a family vacation, but there are ways that you can use credit cards to help make these excursions more affordable while keeping the same amount of fun.

There are now many credit card offers out there for consumers to review that will allow them to reduce their families' cost for a vacation, particularly those that grant borrowers a large number of bonus points or miles just for signing up for a new account. Often, these will grant new cardholders as much as a few hundred dollars' worth of miles, which can help to reduce the price of travel arrangements by a large percentage. Many of these accounts also will double the amount of rewards you earn if you spend a certain amount of money on the card within the first few months of obtaining it.

Other cards might also allow you to use some of your miles toward things like hotel stays or car rentals, so closely reviewing the terms of any such agreement will allow you to determine exactly what types of perks you can find when getting a new credit card.

However, you should also consider the companies your rewards card works with. For instance, if the miles you earn can be redeemed with your favorite airline or hotel chain, it might be worth it to get that card, rather than one that might be similar but offers deals with different businesses.

Of course, you should also be aware of the costs associated with these cards. While many have extremely generous introductory offers that can save you hundreds on a family vacation, the ongoing terms are something you will have to carefully consider. Travel rewards cards typically come with higher interest rates than cards that carry fewer benefits, and can therefore be more expensive if you tend to carry a balance from one month to the next. Further, most also come with an annual fee - though many waive it for the first year the account is open - so it's important to factor this added cost in when considering how much you'll pay to maintain the account over time.



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