Distinct Payment Preferences for Online and In-Person Transactions

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23 quotes
Travelers prefer credit cards for online bookings due to low fees and rewards, while opting for cash or debit cards in-person to manage spending and address local acceptance issues.

Facets

These facets are broadly related to the theme.

Payment MethodsClassified by AI

This facet captures which payment instruments are used when booking travel online, such as for flights, accommodations, or insurance.

Found in 94 of 94 interviews · 171 mentions

This facet captures the different payment methods travelers use while on their trips for activities such as food, shopping, attractions, or transport.

Found in 94 of 94 interviews · 196 mentions

Quotes

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Kevin L.

“It's always credit card. That's what we use to reserve or pay the deposits with. And the reason for that is that we know the credit card guarantees the booking, and if we have any problems, we could get a refund easily.”

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Daisy U.

“I want to get my money's worth, and I want, safety, for me, for my card. So I only use I use a credit card for booking here in my country. And for spending, I use cash or debit. So I want to know how much money I still have. That's why I usually use cash abroad. So I want my finances to be monitored. I don't want to go over budget during travels.”

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Marc A.

“A credit card. Put them on credit card to, protect in case the company goes bust.”

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Thomas W.

“I mean, it depends on the country, but my preference is using a prepaid credit card, or credit card depending on the exchange fees. Yeah. Those are my or which includes, like, for example, mobile phone pay, so, like, Apple Pay and stuff, mainly because it's just easier than carrying money. I don't have to deal with exchange rates as well, like and I don't have to carry cash where you know, I feel like if you don't know what the, amount you're being charged, then you can just learn it digital digitally because it's just more effective. And I don't like carrying a lot of loose change or notes that I won't be able to use again.”

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Natalie S.

“Probably, like, security, but also if I use my credit card which has the loyalty and points that I accumulate, I just usually use that that method if mainly, like, if I'm purchasing online. But also, like, if I'm paying, like, at that country, I have the prepaid card, which is, like, more secure in case of it getting, like, hacked into.”

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Sydney C.

“I usually use credit cards because I like to have credit card rewards. So I'm either using my points that I already have. I'm trying to get, an increase in points from the payment that I'm doing for the trip. So I use a Chase credit card and an Amex credit card.”

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Jay W.

“We used a credit card the majority of the time as well. Our provider for our Visa card does allow international purchases with no charge. So it's it's, you know, fairly easy to do, but we will get local currency in whatever area that we're in. We'll have that currency on hand in case they don't do credit cards or if there's, you know, some issue with, you know, the their system or whatever, you know, Internet or however the credit cards are processed. So we can you know, we'll be stuck with nothing. So”

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Kent Jaspher Y.

“I usually use a credit card so that I can, I can pay for the for the trip, flights, accommodation while also earning, earning points and cash back?”

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Eli C.

“I use my credit card whenever possible, because, I get I get the points and I get a good conversion. But in some countries, you have to get some cash, because they're more cash based societies.”

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Kevin L.

“Mostly on credit card. Some of the locations in Croatia didn't take credit card, like, if you wanted any scheme. So in that case, I would use my, one particular credit card we have allows us to withdraw money from an ATM without fees, and I would use that to withdraw some cash to be able to spend on the smaller shops that don't take cards.”

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Aidan W.

“Well, traveling, how do I usually pay for things like food, shopping attractions, or transport? Now sometimes I'll do a mix. I'll do a mix of cashback rewards credit cards or just my debit card to make sure my utilization isn't too high. But if I'm paying for food, I'll usually use my debit card. If I'm shopping or doing attractions, I'll use my credit card. And then for transport, I'll just use cash unless it's Uber. And then, of course, I'll just use my debit card.”

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Katrina J.

“When traveling to another country, credit card payments, usually, there's issues. But we're we use cash instead if they don't accept the payment or if there's unexpected fees. Well, it is for me, it is expected because there are conversion conversion rates, which are usually different by the day or, like, if you use credit card internationally, there's always fees.”

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Brianne A.

“I always use my Chase credit card because there's no fees. And, also, it's just nice to have only one way of paying, but sometimes I'll also take out money in a country if it's, like, really only cash only. So I use my debit card if that's the case.”

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Jacquie D.

“Yeah. If I know that there's going to be a specific fee on my Amex, I might use a Visa instead, or I might take out cash during a trip to avoid that.”

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Participant via Respondent

“In addition to the security of using a credit card, I also look for rewards like cashback and miles.”

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Edward G.

“Before a trip, I would normally put things on my credit cards. I've got an American Express credit card, and, I think I get quite good benefits for for using that. So that's kind of my my go to, especially if the currency I'm paying in is pounds.”

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Steve P.

“I've not really had any issues in the the main shops with regarding using Apple Pay or or a credit card. I haven't had any issues about fees with making sure I use a fee free card. I know some of the smaller shops, you have to pay with cash, though.”

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Maryam M.

“Sometimes, some certain countries, my credit card and debit card isn't always accepted. In this situation, I I do have a backup of cash in local currency with me, just so I can use that to pay for it. I always have that backup.”

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Brittany B.

“There's more security when using a credit card. So for larger purchases, I will choose for that. Although sometimes, smaller purchases made in cash can be cheaper.”

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Timo K.

“When I book travel online, I usually use my credit card because it's relatively simple and because I've found that it usually works well. Especially with airline websites that I don't use very often, or because there are many international payment methods, I'm worried that some might not work, and I've simply had very good experiences with credit cards.”

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Chris L.

“When I'm online, I prefer to use, a credit card that offers, free international, you know, transactions. So there's there's no, international currency fees. Also, a credit card that has, you know, travel related, points or miles. That way I can, use them for future trips or even get a discount or possibly free, flights, hotels, etcetera, due to points that I've accumulated over time.”

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Kerri D.

“So when booking travel, for me, it's protection. If it's a big purchase, I'm gonna use my credit card because it then protects it. If it's sort of a smaller holiday like flight, I tend to use PayPal just because it's easy to check out, and I do like to split the payment within three. But also sort of in terms of spending, I like to be charged no fees. I like the local currency to be as close to it as possible. I like to be in charge no withdrawal fees either when withdrawing the money, so that's kind of why they're most important to me. But, But, yeah, the credit card for big transactions is just for the protection of something that sort of goes wrong with the holiday.”

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Ken C.

“The first priority is to see if, credit cards are accepted. And if not, we use cash.”