The use of credit cards to help the domestic budget is very common in Brazilian families. In addition, this form of payment is also present in the secondary accounts, helping to balance the budget. However, choosing one of the types of travel cards is a slightly more complicated task, especially when it comes to going abroad.
What are the ways to bring money abroad?
This is because banks have high rates in this mode. While there are other very efficient ways to transport money from your trip, it is common for people to get lost in the process of choosing.
So in this post we will help you with what you need to observe before deciding. So, continue your reading carefully and check out some relevant information and the tips we have brought you to choose the travel cards that fit your needs!
Before choosing which way is best for you, the most important thing is to consider every possible situation. That’s because, choosing just one way to carry your money can make your schedule limited to just one type of payment. So check out our tips:
Cash or travel cards
In a way, taking cash – respecting the limits of the Federal Revenue – for your international travel can make it more economical and practical. After all, you will not be taxed on the purchases you make and also do not have to worry if the place where you will stay accepts your card.
In addition, it is much easier to control expenses during the trip, especially in the small items that consume during the tours. However, the disadvantages of this option need to be considered, therefore, it will be necessary to seek information on thefts and robberies in the place that will spend the days of travel.
In addition, you will need to redouble your attention as there is little usability in this way and you could end up losing your money and making the rest of your schedule unfeasible, so let’s talk in the most practical way that travel cards are.
Prepaid card to travel
This type of card can be very useful on many occasions. To use it simply reload with the amount you want and then you can use it as a kind of debt. Just like any other card, with a prepaid you can withdraw money at ATMs and you can also deposit the values you want in local and foreign currency.
Although it does not have exchange rate changes, the quotation is made considering the tourism currency that is higher than the commercial currency, for example. In addition, the IOF that focuses on the prepaid are the same as the credit card with a slight change between the two: higher rates.
Conventional credit card
One of the biggest advantages to this form of payment is due to airline loyalty programs. This way it is possible for the cardholder to accumulate travel miles and be able to exchange for new tickets totally free and is still protected through the insurance trip offered by some plans.
Another positive aspect of the credit card is due to the fact of fully controlling the costs of the trip. By means of the applications, it is simple and quick to conduct an invoice query and closely monitor how your credit limit walks. In addition, it is very safe and practical to use this means of payment.
However, the high interest rates imposed on financial transactions coming from the credit card stand out, but the commercial price that is more advantageous than the prepaid cards is one that stands out. Still, the practicality and safety superior to carrying cash in kind.
How to make the best choice?
Review the pros and cons of travel cards, check with your carrier if they are accepted in all countries and check the fares in each situation in advance. In addition, you should check the locations available for withdrawal, after all, unforeseen events can happen.
Another important tip is to set the budget in advance to use during the entire trip. Therefore, making in-depth planning in order to choose the cards for international travel that most suit your needs is key to a quiet journey and have an unforgettable outdoor experience.
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