How to Plan a Trip

Consider offseason travel and arm your wallet with some strong travel cards to get the best deals and perks.
Anya Kartashova
By Anya Kartashova 
Edited by Meg Lee

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Have you avoided traveling during the pandemic? Travelers who’ve stuck close to home for the past two years are now looking to resume their wandering ways — maybe you are too.

But where to begin? Perhaps you haven’t planned a trip in a while and need a refresher. Or maybe you just got a new passport and don’t know where to start. We’re here to offer some helpful advice on how to plan your next trip, from choosing dates and accommodations to earning rewards points toward your next big vacation.

Be flexible with your destination and travel dates

Many want to travel to a specific place, and there’s nothing wrong with that. Japan in March, Greece in August, and Turks and Caicos in December all sound lovely, but be aware that high-demand destinations come with a high price tag, especially if you have specific travel dates in mind.

We’re not saying to throw a dart at a map to choose your next vacation, but we do recommend being open to a variety of destinations. Let a fare deal guide your travels.

For example, summer is a popular time to visit Europe. However, the autumn and winter months are when you’ll find some of the best flight deals to the continent. It’s also when accommodations are more affordable. So, take the opportunity to explore the world by following the price instead of the destination.

Additionally, be flexible with travel dates. Yes, a nine-day trip can help you include weekends and use less paid time off, but often flights cost more when your dates are nonnegotiable. We recommend being open to flying midweek to take advantage of the lowest fares.

If you want to redeem frequent flyer miles for an award flight, follow a similar strategy but book as soon as you find dates with low-level redemption rates. They can disappear quickly if others are shopping for flights using miles too.

Research what to do at your destination

If you’re visiting for the first time and are unfamiliar with your destination, it might be difficult to decide what to do once you get there. Cappadocia, a region in Turkey, is famous for hot air balloon rides. Australia’s Great Barrier Reef is known for some of the best scuba diving. Finland offers reindeer safaris.

Unless someone you know has been to these places and shared details about their trip, you wouldn’t know this information without first doing some research.

So, if you’ve already booked your flights and know how long you’ll be at your destination, it’s time to learn more about the place. For example, if you have two weeks and are flying to Istanbul, search online for “two-week Turkey itinerary” and read through several travel blogs for ideas.

You’ll likely find out about the relaxing hammams in Istanbul, the magical hot air balloon rides in Cappadocia, the ruins in the ancient city of Ephesus and the beautiful beach towns of Bodrum Peninsula. Put together an itinerary based on your interests and decide how many nights you want to spend in each city.

Book accommodations

Unless you’re going on a short trip to one city, book your hotels after you create an itinerary. For a multi-city trip, decide how many nights you want to stay in each place and book your accommodations accordingly.

If you have hotel loyalty points, look up which hotel chains are present in each location and determine whether a redemption offers good value or if it’s better to pay cash instead.

If you’d rather stay in a boutique hotel or a guesthouse, look up your options on a site such as The website is a travel agency for lodging, where you can find anything from hostels to five-star hotels. If you sign up for its loyalty program and reserve many stays through the site, you can get discounts on hotel bookings, complimentary breakfast and upgrades at participating properties.

Learn how to get around in your destination

If you’re going on a road trip across the United States, this doesn’t apply to you as your choice of transportation has already been decided.

However, if you’re headed abroad and have multiple cities on the agenda, learn how to best travel around the country. For example, train travel is well-established in Germany, and you shouldn’t have problems traveling between Frankfurt, Stuttgart and Munich. However, visiting the Greek islands requires either flying or taking a ferry.

Rome2rio is a helpful website for planning transport in any geographical location. Enter two cities and find out the best ways to travel between them, including by bus, train and rideshare.

Open a travel rewards card

Signing up for a travel rewards card before a trip is a great idea. You can pay for everything with one card and meet the minimum-spending requirement faster than you would at home.

We recommend applying for a card that earns bonus rewards on travel and dining. For example, the American Express® Green Card earns 3 points per dollar spent on travel, transit and at restaurants. Use it to pay for lodging, public transport and dining out and earn triple points on most of the spending you do while traveling. Terms apply.

The Citi Premier® Card earns 3 points per dollar on air travel and hotels, at restaurants and in supermarkets, so again, many relevant bonus categories are covered. If you book a hotel totaling at least $500 through the Citi ThankYou Rewards portal and use the Citi Premier® Card to pay for it, you’ll receive a $100 credit back, once per calendar year.

The Chase Sapphire Preferred® Card is another great card to use on a trip and earn bonus points. With this card, you’ll earn 3 points per dollar on dining and 2 points per dollar on travel. You can also get an annual $50 credit when booking a hotel through the Ultimate Rewards® travel portal.

Set up lounge access

Many premium travel cards offer airport lounge access. After you book your flights, find out which airports have lounges and how many guests you can bring. Plan your lounge visits based on your layovers.

For example, the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card come with Priority Pass Select membership that includes restaurant credits (though the Capital One Venture X Rewards Credit Card will lose its restaurant benefit Jan. 1, 2023). You have to enroll in the benefit prior to traveling to get your membership activated before your trip.

If you hold The Platinum Card® from American Express, you have many lounge options. Cardmembers receive access to the following lounges:

  • Delta Sky Club (when flying Delta Air Lines).

  • Escape Lounge.

  • Lufthansa Business Lounge (when flying any class with Austrian Airlines, Lufthansa or Swiss International Air Lines).

  • Lufthansa Senator Lounge (when flying business class with Austrian Airlines, Lufthansa or Swiss International Air Lines).

  • Plaza Premium.

  • Priority Pass (no restaurant credit). Enrollment required.

  • The Centurion Lounge.

Terms apply.

Buy travel insurance

Although many travel credit cards come with built-in travel protection benefits, such as trip delay, baggage loss and auto rental collision damage waiver, you'll get more protection and higher coverage limits if you buy a separate travel insurance plan.

To compare rates, you can use a travel insurance aggregator, such as Squaremouth (a NerdWallet partner), that helps travelers find plans from multiple insurance providers. Enter your trip parameters and some personal details to find the right coverage for you.

When you’re ready to plan a trip

Planning a trip can be intimidating, but putting all the puzzle pieces together to create a beautiful travel picture feels great. Be open to nontraditional destinations and offseason travel dates to get the best deals. Become familiar with your credit card’s perks, or get another card for travel spending while on vacation. Finally, buy a travel insurance policy and have fun.

All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet. To view rates and fees of The Platinum Card® from American Express, see this page.

All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.


Intro offer


Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
NerdWallet Rating
Rewards rate


Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


Intro offer


Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
NerdWallet Rating
Rewards rate


Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.


Intro offer


Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

See more travel cards
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