book a trip in payments

How do I apply?

Shop for your items and add them to your cart like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security number. If you're approved, finish checking out and you're done.

How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button. We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting pay.uplift.com .

I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

What is your Privacy Policy and Terms of Use?

Here is a link to our Privacy Policy and Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $49 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders. Privacy Policy and Terms of Use .

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“Airfare is usually cheaper when you buy further in advance, but what if you haven't planned for a trip, or saved up the cash yet? One new solution is Airfordable.”

The 10 Best Payment Plans for Vacations

Vacations are a time to have fun, sit back, and relax. It’s a great way to let off steam that comes with the monotony of life. The only possible drawback I can think of? The meticulous planning and finances. 

The good thing is, there’s an alternative. The “Book Now Pay Later” vacation payment plans option is increasingly becoming popular and for good reason! 

Imagine this scenario: You need a vacation badly. You’re burnt out from working and the distinction between your work and private life has disappeared, but you don’t have enough in savings to fund your vacay. Should you wave that badly needed vacation goodbye? 

Not quite. This is where payment plans come into play. Payment plan offers range from interest-free policies to low down payments and easy monthly installments. 

Even if you can’t afford a vacation right now, you can still take the leap. Your dream of exploring the City of Light? Vacationing in the Maldives? Payment plans put them all within reach. 

The benefits of using payment plans for vacation packages abound. With so many options in the tour and travel market, it can get a little overwhelming. Don’t fear, this article has you covered. 

Top Vacation Payment Plans

1. expedia .

With their Uplift payment program , you can book a trip today and set easy monthly instalments that fit your budget. You don’t have to pay an arm and a leg every month. These monthly payments can be tailored to your budget allowing you to travel before your loan is paid off in its entirety. Southwest are a particularly good choice if you are looking for all-inclusive vacations with hundreds of resorts to choose from.

• They have customizable monthly payments. 
• They offer an easy application process. 
• There are no charges in the monthly payments, no late fees, and no prepayment penalties. 
• Large range of all-inclusive vacations and resorts (including Mexico and Caribbean)
• Canceled flights are refunded as Southwest Airlines air credit which can be limiting. 
• Canceled land travel, tours, and accommodations are refunded in the form of travel credit from Southwest Vacations. 

3. Funjet (Best for All-Inclusive Packages)

Funjet has a great payment plan if you want to travel and save money at the same time. With a simple downpayment, you can secure the best deals at great rates. 

You’ll have to make your vacation reservation six weeks in advance with deposit options available at checkout. You can schedule a final payment or make multiple payments at zero interest. 

• Cancel any time for any reason. There are no pesky rebooking fees. 
• Reserve a vacation for as little as $50. 
• Reservations are subject to change. 
• Deposit options are not available if you’re traveling during a holiday. 

4. Luxury Escapes 

Luxury Escapes’ Latitude Financing Payment plan offers a 12-month interest-free period. You’ll pay monthly installments, but after the 12-month promotional period, you’ll be charged a pretty hefty 24.99% interest rate. 

Luxury Escapes offers flexible booking dates. That means you can book a limited-time deal for a certain property now and rebook it for a different date later. 

• They have a seven-day refund guarantee. 
• There are no hidden costs. 
• If your preferred date is unavailable, you can’t get a refund. Make sure to read the terms and conditions carefully. 

5. Contiki 

A small layaway deposit of $99 will lock in your travel dates. Contiki accepts Visa, Mastercard, and American Express. They can accommodate all types of installment plans : weekly, monthly, two payments of 50% each – you name it, you got it. You just have to make the entire payment 45 days before departure. That’s it. 

• There are no interest charges and no fees. 
• They offer flexible payment plans. 
• The Freedom Guarantee ensures you can reschedule travel dates, swap the tour type, or choose a different region to travel in altogether. You can avoid cancellation fees with this feature. 
• Cancellation fees as high as 50% if cancellation is done within one to seven days before departure and 100% if done on the day of departure. 

6. United Vacations (Best for Layaway Vacation Packages)

With United Vacations, you can finance your trip through Uplift . United have a layaway vacation option which allows you to lay down an initial $250 deposit and pay the rest at least 45 days before the departure date. The best part? You can use multiple credit cards to fund your trip.

• If you get the vacation protection package, you won’t have to deal with cancellation fees. You have the flexibility to change or cancel the plan as needed. 
• You can book your entire trip through United Vacations from hotels, flights, car rentals to resorts, airport transfers, and excursion experiences. 
• Airfare is non-refundable. If your flight was canceled, they’ll give you credit you can use within a year as long as your tickets were booked through American Airlines. If not, policies vary from carrier to carrier. 

7. JetBlue Vacations 

JetBlue’s annual percentage rate ranges from a huge 10.99% to 25.99% for a loan term of 12 to 18 months. Their partnership with MarcusPay enables them to offer top-tier package getaways. 

If you want lower rates and longer terms, you’ll need to have excellent credit scores. Additionally, rates are generally higher for longer-term loans. 

• They don’t require a deposit upfront. 
• If you find the same package for a cheaper price within 24 hours of booking, they’ll match it and refund the difference. 
• JetBlue Vacation charges a $200 cancellation fee per person plus additional penalties charged by the hotels. 

8. G Adventures 

Deposits for layaway vacations start at $250. If you’re unsure about a specific tour but don’t want to let the opportunity pass you by, they have a “holding an option” tool that lets you reserve a spot for 48 hours without paying a pretty penny. 

The best part? If you ever have to cancel a trip, change it, or push it back, you’re not forced to use it within a year or two. It’s good for life. You can pay the full balance close to your departure date. 

• They have small groups per trip. This helps you form a closer connection to the places and people you visit on your travels. 
• They offer lifetime deposits. 
• “Optional” activities cost you an additional fee if you decide to purchase. If you don’t want to factor in any additional costs to your budget, you can pass on these. 
• Depending on the trip, guides can be a hit or miss. 

9. Intrepid Travel 

Intrepid Travel provides exemplary flexibility in changing travel plans. There are no change fees as long as you notify them about the changes at least 21 days in advance. You have the flexibility to choose an entirely new trip or pick new travel dates. 

You only need to secure your trip with a deposit and you can pay the rest in installments whenever you like. Just make sure you’ve paid for the trip in full at least 21 days before you’re scheduled to depart. 

• There are no interest and rebooking fees. 
• You can hold your trip for up to 5 days without paying a deposit. 
• If you’re traveling solo, you’ll have to pay a mandatory single supplement fee for certain trip types. 

10. Priceline 

Priceline.com comes through with terrific ways to save on travel. As long as you know how to look for deals, you’ll hit pay dirt.  

Check out Priceline’s Express Deal which can save you anywhere between 10% to 40% off flights. The catch? You don’t know what time your flights will depart. It can be a red-eye for all you know. 

• Priceline offers significantly lower prices. 
• You can place bids for a lower price. If you get it, it’s a win. If you don’t, you lose nothing. 
• Once the fee is charged, you don’t get a refund if you change your mind. 
• You can’t reserve a room for more than 2 people. 

Most popular destinations for vacation payment plans

If you are looking for inspiration for your next vacation then we’ve chosen 5 of the most popular destinations which are available to finance with installments.

Bonus Trip – Disney World Payment Plan

If you’re looking for family vacation payment plans then one of the best is the Disney World payment plan , we’ve written about it before and it’s a great choice if you have kids. Family vacations can be expensive and instalments are a great way to spread the cost. With Disney you can book your vacation and choose how often you want to pay. The payment plans are extremely flexible allowing you to look forward to your next family vacation without the stress of a huge amount leaving your bank account.

Wrapping It All Up 

Payment plans for vacations are probably the best thing for people who don’t mind taking a chance and are flexible in their travel itineraries. With plans offering 0% interest rates and easy installments, who wouldn’t want to travel the world? 

Before you settle on a payment plan, read the fine print. There are multiple “book now, pay later” options available on the market, but some have better deals than others. Always explore your options and take your time in making a decision. Most, if not all travel plans, are non-refundable. Click wisely. 

Can you use Afterpay for vacations?

Yes. You can currently use Afterypay for hotels and accommodations via the website Agoda.com. Agoda is a reputable travel company and is part of the Priceline group.

Can you use Affirm for travel?

Yes. There are multiple travel companies which accept Affirm at checkout. These companies currently include Expedia, Priceline, Delta Vacations and CheapOair.

Can you finance vacations with Klarna?

Yes. It is possible to book vacations with Klarna using their ‘Pay in 4’ option which allows you to split your vacation payments into 4 payments using the Klarna app.

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Frequently Asked Questions

• What is Uplift?

Uplift gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you're ready to check out, just select "Uplift" as your payment method, complete a short application and receive quick decision. Choose the terms of your payment plan, finish checking out and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

• How do I apply for installment payments through Uplift?

Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a U.S. resident, your Social Security Number. If you're approved, finish checking out and you're done.

• How are my loan term offers determined?

We look at a number of factors, including your credit information, purchase details and more.

• How do I make installment payments?

You can make a payment anytime at pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com, click on the Accounts page and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime at pay.uplift.com.

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• I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

• What is your Privacy Policy and Terms of Use?

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Terms of Use  Opens in a new window

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $300 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders.

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Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

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OUR FLEXIBLE PAYMENT PLAN

Flexible payment plan, at all inclusive outlet, we offer flexible payment options to ensure a stress-free shopping experience, you can book the trip of your dreams for a deposit as low as $50.00 per person* and make additional payments anytime that you wish, provided that you’ve paid in full 60 days before you travel., how it works:.

• The minimum payment required to secure your spot will show up at checkout when booking online or you can also pay over the phone if you’re working directly with one of our Travel Specialists.
• You can make follow-up payments in any amounts, using any credit or debit cards, at any time you wish! There are no auto-payment options as we don’t store credit card details for security purposes.
• From your online customer account, you’ll be able to make follow-up payments as well as view your remaining balance and payment history.
• You can choose to make small payments leading up to the final due date, or simply pay off the balance at one time.
• There are no additional fees or interest added for not paying in full as long as the required deposit amount is paid at time of booking, and the final payment is made by the due date.
• After making full payment, you’ll receive your travel documents!

Want to make a payment? Click HERE or contact us at 888.403.2822

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*$50 deposit is applicable to land only bookings.

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Pay your way

Super-simple travel payment plans so you can choose when and how to pay for your trip.

Pay monthly or bi-weekly

Automatic payments with no interest and certainly no drama.

• Put $150 down*
• Your card or bank account is automatically charged once or twice per month
• Finish paying 30 days before your trip

* If you book your trip less than 100 days before departure, the minimum deposit will be $750. Trips booked less than 60 days before departure must be paid in full.

Pay at your own pace

No fixed schedule. Pay over time, on your own terms.

• Put $450 down*
• Pay off the balance on your own schedule
• Finish paying 99 days before your trip

* Plus a $50 service fee to cover the costs associated with processing these payments.

Pay in full

Everything up front, nothing to worry about later.

• Pay for your trip in its entirety
• Relax some more

Pay with affirm

Travel now, pay later.

• Check your eligibility during checkout
• Pay over 6, 12, or 18 months. For example, on a $1,500 purchase, you may pay $135.39 for 12 months with a 15% APR.
• Go on your trip, even if you’re still paying for it

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If you miss one payment, the amount will be distributed evenly over your remaining payments. However, if you miss two consecutive payments, you will be withdrawn from the plan altogether. Note: there is a $35 decline fee each time you miss a payment.

Can I make a payment outside of my payment plan?

Yes, you can do this anytime from your online account under the payments tab. An additional payment does not take the place of any upcoming automatic payments. Your new balance will be distributed evenly over the remaining payments.

How do I use a Future Travel Voucher?

Future Travel Vouchers issued in 2020 or 2021 can be applied to any travel booked prior to 12/31/2022, for departures before 9/30/2024. Just book a trip like you usually would and then start a chat on our website to apply the voucher to your order.

What if I switch trips or move my trip to a later date?

All completed payments will be applied to your new trip and any remaining balance will be redistributed evenly over your new time frame.

What payment methods do you accept?

You can pay using a credit/debit card (Visa, MasterCard) or by using a checking account.

Is Affirm a loan?

Technically speaking, yes. Our financing partner, Affirm, will lend you the money to pay for your trip, and you’ll pay them back over time.

Does Affirm perform a credit check?

Affirm only performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. Checking your eligibility will not affect your credit score.

Can I pay for my trip in pennies?

Please don’t.

If I refer a friend, do I get a discount on my trip?

Actually, yes. We have group and referral discounts to make it even easier to afford your trip. Learn more about these discounts here.

What if I have more questions?

You’re in luck! We’re available via phone, email, live chat, and messenger pigeon. You can reach us here.

Pay for your flight with Uplift

Feel good about where you fly and how you pay for it. With Uplift, you can book your trip now and pay for it over time with budget-friendly monthly payments.

Low monthly payments

Budget-friendly loan options.

Easy application

Receive a quick decision.

No surprises

That means no late fees, no prepayment penalties.

Automatic payments

So you don't have to remember due dates either.

How Uplift works

Step 1: Select Uplift at checkout

Shop for your trip on our website or app like you normally do and select Uplift as your payment method at checkout.

Step 2: Complete a quick application

Provide a few pieces of information and receive a quick decision without ever leaving the payment page.

Step 3: Enjoy your trip

Relax knowing you can travel now and pay for it over time with low monthly payments.

Frequently asked questions

What is uplift.

Uplift gives you the freedom to purchase travel now and pay over time with simple monthly payments. Some plans include interest while some are interest-free.

How do I apply?

Shop for your flights like you normally would. Then, select Uplift as your payment method at checkout. You’ll complete a short application and receive a quick decision letting you know if you’ve been approved. You can choose the terms of your plan before you complete checkout and enjoy your trip.

How is my loan term offer determined?

Uplift looks at a number of factors, including your credit information, purchase details and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and selecting the “Loans” tab. From there, select the "Make a Payment" button.

Uplift recommends you enable AutoPay at the time of purchase so your payments are automatically deducted from your bank account each month. You can enable AutoPay on the "Accounts" page on pay.uplift.com. You can also update your payment method here at any time.

Can I travel before paying off my trip with Uplift?

Yes! You do need to allow a few days between booking your trip and departure for things to process. Other than that, you are free to travel whenever—even before you’re all paid off.

Where can I find Uplift’s Privacy Policy and Terms of Use?

Here is the Privacy Policy and Terms of Use for Uplift.

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Uplift are offered by their lending partners . Privacy Policy and Terms of Use . Uplift’s address: 440 N Wolfe Road, Sunnyvale, CA 94085

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Vacation planner: plan your next escape with Expedia

The anticipation of vacation planning in 2024 and researching is almost as good as actually being there. Start dreaming today and craft your perfect itinerary. When you book with Expedia, you can plan a vacation with access to the latest deals for thrilling destinations around the world. Choose from solo adventures, romantic couples retreats, family-friendly vacations, or city breaks for the ultimate weekend away with friends.

Whether you crave tropical beaches, winter activities, thrilling trips through the wilderness, or simply want to relax in luxury, select your stay and flight options and plan a getaway to remember.

You can also add optional extras to make your escape truly memorable. Why not book a classic car to cruise around, make special requests to help celebrate birthdays, or book excursions to get your adrenaline flowing?

Expedia brings you our latest vacation planner guide, an all-in-one travel companion that makes your vacation easy to research, organize, and share. Track flight prices to make sure you get some of the best deals and keep all your reservations and bookings in one place. You’ll also have access to our personal travel advisor powered by ChatGPT technology to answer any travel-related or destination-specific inquiries. Once your booking is complete, the app serves as a real-time record of your vacation, including up-to-date notifications on any changes to your reservations.

You’re the architect of this vacation season, and with Expedia, you’ll get to plan it exactly how you want. Let’s begin.

How to plan a vacation with Expedia?

Vacation planning with Expedia is simple and fun. Just follow these steps and get closer to your departure:

• Decide where to go
• Decide when to go
• Research on the Expedia app
• Share your travel plans with your group
• Book your flights and accommodation
• Book excursions or activities
• Enjoy your vacation!

1. Decide where to go on vacation

When you think you need to start planning your vacation, the first choice you need to make is where to go. Find a vacation destination in 2024 that matches the type of vacation you’re looking to have and who will be joining you. For vacation ideas, check out Expedia’s travel guides and choose somewhere new to explore or a favorite spot you’ve been waiting to revisit.

2. Decide when to go

Deciding when to go on a vacation in 2024 will depend on the type of trip you want to experience, where you’re going, and practical considerations like the weather conditions at particular times of the year. Sometimes, travel dates will be determined by your vacation days from work or when your children are off school, but being flexible with your travel dates, if possible, is one of the best ways to save money on your vacation. Traveling offseason, for example, can save you hundreds of dollars.

3. Explore trip ideas with ChatGPT on the Expedia app

Expedia’s vacation planner app is powered by ChatGPT, offering you all the services of a mobile travel planner in your pocket. Not only can this technology suggest places to stay and visit and how to navigate a new destination, but it also saves hotel recommendations and itinerary points of interest, helping you stay organized.

4. Save your trip ideas and invite people to your trip

Save your travel itinerary, including reservations and itineraries, and then invite others to the app to share your vacation details. If you’re the vacation planner in your family or friendship circle, your life is about to get much easier. Imagine quickly sharing all the details of a large family or group vacation with every person attending. You’ll never have to chase people down to remind them of flight times and hotel details again.

5. Book flights, hotels, and rental cars by bundling your trip for even more savings

Enjoy even more vacation savings when you book your flights and hotels together in a vacation package . Bundling your travel bookings, including rental cars , is convenient and can help you save money.

6. Book activities and things to do

Pre-booking your activities and excursions helps you plan your vacation budget and gets you excited about your vacation before you even leave. Choose from a huge range of things to do at your destination, including tours, special events, theme parks, museums, and more.

7. When to book your vacation

According to Expedia’s latest research and insight into air travel hacks , the cheapest day to book flights is, generally speaking, Sundays, while Fridays are the most expensive. Booking your vacation on a Sunday can save up to 13% off the cost of your next vacation. Booking in advance, about 60 days before international travel, results in cheaper flights. It’s also best to travel in the morning to avoid cancellations or delays, which can snowball, affecting more flights later in the day.

8. Choose your way to pay

Thanks to Expedia’s partnership with Affirm, you can book your next vacation and pay for it your way with choices to spread the cost in easy-to-manage monthly installments with our deposit and payment plans . Or buy now and pay the balance in 30 days’ time with 0 deposit vacation booking options. 

Top tips on how to plan your vacation

How do i plan a vacation with expedia.

Start to plan your vacation by choosing your desired destination and travel dates. If you need vacation ideas, explore our latest deals or discover what’s available in a specific location during your chosen travel period. Browse flights, activities, and accommodations to create an unforgettable vacation getaway. With Expedia, you can book travel plans with a small deposit and convenient monthly payments that align with your financial strategy.

How do I create an itinerary for my trip?

If you’re not sure how to plan a vacation this vacation season, navigate to the Trips tab on the Expedia homepage, select “Create a trip,” and enter a new trip name. Begin planning your itinerary by searching for accommodations or activities at your desired destination. Save your favorites by tapping the heart icon and invite family members or fellow adventurers to also help plan travel in our Trip Planner.

What things do I need to consider when planning a trip?

When planning travel, take your preferred destination, budget, travel dates, weather, and desired activities into account. Whether you’re seeking a warm winter retreat in Costa Rica or dream of strolling through enchanting vacation markets in Europe , Expedia’s filters make it easy to explore great deals and create your dream vacation travel itinerary.

What are some useful tools I can use to plan my trip?

If you asked yourself, "Where should I go on vacation?" then wondered what step you should take next, simplify your travel arrangements with Expedia’s Trip Planner. Save and organize your favorite activities and accommodations, collaborate with your group, and book your vacation in one place.

How early should I plan a trip?

According to Expedia’s air travel hacks , you should book your vacation plans a month ahead for domestic travel and 60 days in advance for international journeys. Those who booked domestic flights 28 days before departure saved an average of 24%, and international travelers who booked 60 days ahead saved around 10%.

How do I budget for vacation?

Budgeting can be tricky, so it’s important to set realistic expectations and take advantage of helpful resources. Establish a practical budget by considering costs such as flights, accommodation, food, and activities while completing your vacation planner. Expedia offers the flexibility to compare prices and secure your vacation with a small deposit, followed by monthly payments to help you meet your financial goals.

How can I plan a cheap vacation?

Start by checking out Expedia’s newest flight deals to discover what’s available. If you have particular places to go on vacation in mind, search for them along with your dates. Then, either sort by price or filter by budget to find the most affordable options.

How do I plan a great family vacation?

Ready to create an unforgettable family vacation but unsure where to begin? Start by using our filters to discover family-friendly hotels in sought-after destinations like Disney resorts or Hawaii . By exploring accommodations with kid-friendly amenities, such as game rooms, pools, and waterparks, you can design a plan for travel in 2025 the whole family is bound to love.

How do I find cool things to do on vacation?

Explore the extensive Expedia travel guides filled with fantastic sights and activities all over the world. Whether you’re planning a tour or looking to attend sporting events, concerts, or music festivals, Expedia makes it easy to fill your travel planner with memorable vacation excursions.

Can I save money by booking a vacation package with flights and hotel?

Expedia often offers the best deals when you bundle your flights, accommodation, and car rental. Explore our latest vacation packages to create your dream vacation in just a few minutes.

How can I find the best deals for my vacation?

Check out Expedia’s vacation packages, and remember that bundling flights and accommodation could lead to significant savings. Plus, keep an eye on our promotions and special offers to grab some of the best deals this vacation season.

Does Expedia have a flexible cancellation policy?

Planning traveling for the vacations can be challenging, but Expedia’s free cancellation and pay-later options can help alleviate some of the stress. Simply filter your search by payment type, and keep in mind that cancellation policies may differ for each vacation package. Always carefully check cancellation policies before booking your getaway.

Why should I plan my next vacation with Expedia?

Crafting your dream vacation in 2024 is a breeze with Expedia. With our advanced filter options, you can easily decide where to go on vacation and design a tourist plan in no time. Whether you’re looking to spend quality time with family, embark on a weekend retreat, or set off on a thrilling winter escapade, Expedia offers fantastic deals on vacation packages to help you create an unforgettable journey.

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5 Payment Plan Family Vacation Options

May 4, 2017

See recent posts by Amanda Norcross

Yes, payment plan family vacations exist! And not necessarily in layaway form. Some hotels, for example, only require a small deposit upon booking, leaving you plenty of time to save up. Other places, such as Disney World, offer bona fide payment plans. Here, we look at our favorite payment plan options for family vacations.

1. Disney 

Disney World; Disneyland; Aulani, A Disney Resort ; Adventures by Disney; and even Disney Cruise Line offer the Disney Vacation Account . The program essentially acts as your own Disney vacation advisor, prompting you to estimate your trip budget with a series of questions and creating a customized plan for payments based on your answers. You can easily track your savings progress until you have enough and are ready to officially book. The program is completely free!

2. Beaches Resorts

Beaches Resorts (and adults-only Sandals Resorts ) offer the Luxury Layaway Installment Payment Plan, allowing guests to split up their vacation payments. Payment plans can range from three months to two years in length. Beaches has three resorts in the Caribbean: Beaches Turks and Caicos , Beaches Negril and Beaches Ocho Rios .

3. eLayaway

How cool is this? eLayaway.com allows you to save money for gift certificates that can be used on airfare, cruises, Marriott hotels and even Disney vacations. (It also offers layaway programs for tons of retailers). eLayaway takes an allotted amount (determined by you) out of your bank account and before you know it, you’re on a beach in the Caribbean with your family.

4. Sears Vacations

The same company who brought you holiday shopping layaways also offers vacation layaways! Families can save up to 50 percent on vacations to popular destinations such as Chicago, Las Vegas and Orlando, and pay as low as $49 per month for those trips. There’s no cost to pay in installments with Sears Vacations , where you can book both hotels and cruises.

5. Travel Agent

Working with a travel agent is a surefire way to get a payment plan family vacation. Your travel agent will work with your budget and desires to craft a vacation itinerary that makes sense for your family. While you’ll likely be required to dole out a small down-payment upon booking, you won’t need to pay your final balance until closer to the trip. Plus, you’ll have the option to make payments along the way.

What to Pack for Your Next Trip

Girls caribbean vacation day outfit for summer, shop the look.

Tie Dye Circle Top

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Martinique Dress

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Boys caribbean vacation day outfit for summer.

Fun Short-Sleeved Shirt

Canvas Shorts

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How To Travel Now And Pay Later: A Guide To Flexible Financing For Wanderlust

• Last updated May 15, 2024
• Difficulty Intemediate

• Category Travel

Have you ever longed to explore the wonders of the world, but found yourself hindered by the hefty price tag of travel? Well, worry no more! With the rise of flexible financing options, you can now embark on your dream adventures, and pay for them at a later date. In this guide, we will delve into the world of wanderlust financing, exploring various methods and strategies to help you satisfy your travel cravings without breaking the bank. So buckle up and get ready to discover how you can travel now and pay later, making your wanderlust dreams a reality.

What You'll Learn

Introduction to traveling and paying later, different ways to finance your travel, tips for managing your travel expenses, benefits of traveling and paying later.

Traveling is a passion for many people. Exploring new destinations, experiencing different cultures, and creating memories that last a lifetime are all part of the allure of travel. However, the cost of travel can often be a barrier for people who want to go on a trip but don't have the funds to do so.

The good news is that there are several ways to travel and pay later, allowing you to make your travel dreams a reality without breaking the bank. In this blog post, we will explore some of these options and provide you with the information you need to get started on planning your next adventure.

One popular way to travel and pay later is by using credit cards that offer travel rewards or flexible payment options. Many credit card companies have partnerships with airlines, hotels, and travel agencies, allowing you to earn points or miles that can be used towards future trips. These points can often be redeemed for flights, hotels, and other travel expenses, allowing you to travel for little to no out-of-pocket cost.

In addition to travel rewards, many credit cards also offer the option to pay for your travel expenses in installments. This can be particularly helpful if you need to book a trip last minute but don't have the funds to pay for it upfront. By spreading out your payments over several months, you can make your travel dreams a reality while still staying within your budget.

Another option to consider when looking to travel and pay later is to take advantage of travel financing services. These services allow you to book your trip and pay for it over time, often with low or no interest rates. This can be a great option if you don't have a credit card or prefer not to use one for your travel expenses. Some travel financing services also offer flexible payment plans, allowing you to choose the payment schedule that works best for you.

If you're planning a big trip and need to save up before you can pay for it, consider setting up a separate travel savings account. By putting aside a small amount of money each month, you can slowly build up the funds you need to pay for your trip. Automated savings apps can make this process even easier by automatically transferring a set amount of money from your checking account into your travel savings account on a regular basis.

Finally, consider looking for travel deals and discounts that allow you to save money on your trip. Many travel agencies, airlines, and hotels offer special promotions and discounts throughout the year, allowing you to enjoy the same travel experiences at a fraction of the cost. By keeping an eye out for these deals and being flexible with your travel dates, you can save money and make your travel dreams a reality.

In conclusion, traveling and paying later is possible with the right planning and resources. Whether you choose to take advantage of travel rewards credit cards, use travel financing services, save up in a separate travel savings account, or look for travel deals and discounts, there are options available to fit every budget and travel style. So don't let finances hold you back from exploring the world – start planning your next adventure today!

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Are you dreaming of traveling the world, but worried about the cost? Don't let money hold you back! There are several ways to finance your travel and pay later. From credit cards to travel loans, explore these options to make your travel dreams a reality.

Credit Cards:

Using a credit card is one of the most popular ways to finance your travel. Look for credit cards that offer generous travel rewards, such as airline miles or hotel points. By using these cards for your everyday expenses, you can accumulate points that can be redeemed for flights, accommodations, and other travel expenses. However, it's important to use your credit card responsibly and pay off the balance in full each month to avoid expensive interest charges.

Travel Loans:

If you don't have enough funds to cover your travel expenses upfront, you can consider getting a travel loan. Many financial institutions and online lenders offer travel loans specifically designed for this purpose. These loans typically have flexible repayment terms and competitive interest rates. Before applying for a travel loan, make sure to compare different lenders and choose the one that offers the best terms for your needs.

Personal Savings:

Saving money beforehand is always a good idea if you're planning to travel. Start by creating a budget and setting aside a portion of your income each month specifically for travel expenses. Cut back on unnecessary expenses and find ways to save money, such as cooking at home instead of eating out or canceling unused subscriptions. With careful planning and discipline, you can build up a travel fund over time.

Travel Layaway:

Some travel agencies and online platforms offer the option to book your trip and pay for it in installments. This is known as travel layaway. With this option, you can secure your travel arrangements early and spread out the payments over a period of time. Before choosing this option, make sure to read the terms and conditions carefully, as there may be additional fees or restrictions.

Crowdfunding:

If you have a compelling travel story or a specific cause associated with your trip, you can consider crowdfunding your travel expenses. Platforms like GoFundMe allow individuals to raise money from friends, family, and even strangers. However, keep in mind that crowdfunding may not be a reliable option and success is not guaranteed. Make sure to clearly communicate your intentions and offer something of value in return for donations, such as updates, photographs, or a thank-you note.

Work Exchange Programs:

Another way to finance your travel is by participating in work exchange programs. These programs allow you to work in exchange for accommodations and sometimes meals. Platforms like Workaway and HelpX offer a wide range of opportunities, such as farming, teaching, or hospitality. This is a great way to immerse yourself in the local culture, meet new people, and reduce your travel expenses.

Freelancing:

If you have a marketable skill, such as writing, graphic design, or programming, you can consider freelancing while you travel. Websites like Upwork and Freelancer connect freelancers with clients from all around the world. This way, you can earn money while enjoying new destinations. Just make sure to have reliable internet access and manage your workload effectively.

Now that you know about these different ways to finance your travel, start planning your dream trip with confidence. Whether you choose to use credit cards, take out a travel loan, or save money in advance, the world is waiting for you to explore it. Happy travels!

Can Visa Officers Check Past Travel History?

Traveling can be an amazing experience, but it can also be quite expensive. From the cost of flights and accommodations to meals and activities, travel expenses can quickly add up. It can be challenging to manage these expenses, especially if you are on a tight budget. However, with careful planning and smart spending, you can still enjoy your trip without breaking the bank. Here are some tips for managing your travel expenses:

• Set a budget: Before you start planning your trip, it's important to set a budget. Determine how much you can afford to spend on flights, accommodations, meals, and activities. Be realistic and stick to your budget throughout your trip.
• Research and compare prices: Don't settle for the first price you come across. Do your research and compare prices for flights, accommodations, and activities. There are many websites and apps that allow you to compare prices and find the best deals. Be flexible with your travel dates and consider traveling during off-peak seasons to save even more money.
• Use a travel rewards credit card: Consider getting a travel rewards credit card that offers cashback or rewards points for travel-related purchases. Use this card for your travel expenses and earn points or cashback that you can use towards future trips. Just make sure to pay off your balance in full each month to avoid accruing interest charges.
• Opt for budget accommodations: Instead of staying in expensive hotels, consider alternative accommodations such as hostels, guesthouses, or vacation rentals. These options are often more affordable and can provide a unique and local experience. Websites like Airbnb and Hostelworld offer a wide range of budget-friendly accommodations.
• Cook your meals: Eating out can quickly become a significant expense while traveling. To save money, consider cooking your meals instead. Look for accommodations with a kitchenette or communal kitchen where you can prepare your own meals. Visit local markets and grocery stores to buy fresh and affordable ingredients. Not only will this save you money, but it can also be a fun and immersive cultural experience.
• Prioritize your activities: You can't do everything, so prioritize the activities that are most important to you. Research the costs of different activities and choose the ones that fit within your budget. Look for free or low-cost attractions and activities, such as hiking, exploring local neighborhoods, or visiting public parks. Remember, it's often the simple experiences that make a trip memorable.
• Use public transportation: Instead of relying on taxis or rental cars, opt for public transportation whenever possible. Trains, buses, and trams are often more affordable and can provide a more authentic local experience. Additionally, walking or biking can be a great way to explore a new city while saving money on transportation costs.
• Plan and book in advance: Last-minute bookings are often more expensive, so try to plan and book your trip in advance. This applies to flights, accommodations, and activities. Many airlines and hotels offer early bird discounts, and booking in advance gives you more time to find the best deals.
• Monitor your expenses: Keep track of your expenses to ensure you stay within your budget. Save receipts, use budgeting apps, or simply jot down your expenses in a notebook. By monitoring your expenses, you can identify any areas where you may be overspending and make adjustments accordingly.
• Be mindful of hidden costs: Don't forget to consider hidden costs when budgeting for your trip. This includes transportation to and from the airport, visa fees, travel insurance, and extra fees for baggage or seat selection. Factor these costs into your budget to avoid any surprises.

With these tips, you can effectively manage your travel expenses and enjoy your trip without worrying about going over budget. Remember to plan ahead, be flexible, and make smart spending choices. Happy traveling!

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Traveling is one of life's greatest pleasures, but it can also be an expensive endeavor. If you're like many people, you might find it difficult to save up enough money to take a trip. However, there is a solution that can make traveling more accessible: paying for your travels later. There are several benefits to this approach, and in this blog post, we'll explore some of the most important ones.

One of the main advantages of traveling and paying later is the ability to book your trip without having all the funds upfront. This means that you can secure your travel arrangements, such as flights and accommodations, without worrying about having the full amount at the time of booking. By paying later, you can spread out the cost of your trip over time, making it more affordable and manageable.

In addition to the financial flexibility that comes with paying later, another benefit is that it allows you to take advantage of travel deals and promotions. Travel agencies and websites frequently offer discounted rates for early bookings or last-minute deals. By paying later, you can take advantage of these offers without missing out on the opportunity due to lack of funds.

Moreover, paying later can help you budget and plan your travels more effectively. When you pay for your trip upfront, it can be challenging to estimate all the costs accurately and allocate your resources accordingly. By spreading out the payments over time, you can have a better understanding of how much you need to save and budget for each month. This makes it easier to plan your finances and ensures that you have enough money for your travels without feeling financially strained.

Another advantage of paying later is that it allows you to earn rewards and points through credit card programs. Many credit cards offer travel rewards, such as frequent flyer miles or hotel points, when you make purchases. By using a credit card to pay for your trip and paying it off gradually, you can accrue these rewards and potentially earn free or discounted travel in the future.

Furthermore, paying later can also provide you with peace of mind and greater financial security. By spreading out your payments, you can avoid putting a significant financial strain on yourself or depleting your savings entirely. This allows you to have a safety net in case of any unforeseen circumstances during or after your trip. Additionally, some travel insurance policies offer coverage for trip cancellation or interruption, providing you with added protection and financial support.

To take advantage of paying later for your travels, there are several options available. Many travel agencies and websites offer installment plans or payment options that allow you to spread out the cost of your trip over time. Additionally, you can consider using a credit card with a low-interest rate or a travel-specific credit card to make your payments and earn rewards at the same time.

In conclusion, traveling and paying later offers numerous benefits that make it easier and more affordable to explore the world. By being able to book your trip without having all the funds upfront, take advantage of travel deals and promotions, and better budget and plan your finances, you can enjoy the experience of travel while minimizing financial stress. Additionally, earning rewards, having financial security, and taking advantage of various payment options make paying later a convenient and advantageous choice for travelers. So next time you're planning your dream getaway, consider the benefits of traveling and paying later.

Exploring the Benefits of the Visa Signature Travel Rewards Program

Frequently asked questions.

There are several ways to travel and pay later. One option is to book your trip using a credit card that offers a 0% introductory APR for purchases. This allows you to pay off your travel expenses over time without incurring interest charges. Another option is to use a travel financing service or installment plan, which allows you to pay for your trip in monthly installments. Some websites and travel agencies also offer layaway plans, where you can make a deposit upfront and pay off the remaining balance in installments before your trip.

The specific requirements to travel and pay later will vary depending on the method you choose. If you want to use a credit card with a 0% introductory APR, you will typically need to have a good credit score to qualify for the best offers. If you opt for a travel financing service or installment plan, you may be required to undergo a credit check or provide proof of income. Layaway plans usually require an initial deposit and may have specific payment deadlines.

While traveling and paying later can be a convenient option, it is important to consider the potential drawbacks. If you use a credit card with a 0% introductory APR, you will need to pay off the balance in full before the promotional period ends to avoid high interest charges. Travel financing services or installment plans often come with interest or fees, so you may end up paying more for your trip overall. Layaway plans may have strict payment deadlines, and if you miss a payment, you could lose your reservation or incur additional fees.

The availability of travel and pay later options may vary depending on the type of trip you are planning. Credit cards with a 0% introductory APR can generally be used for any type of travel expenses, such as flights, hotels, and rental cars. Some travel financing services or installment plans may have restrictions on the types of trips they finance, so it is important to check their terms and conditions. Layaway plans are typically offered for vacation packages or specific travel bookings, such as cruises or tours.

• Olivia Jacobs Author

• Michaela Krajanova Author Reviewer Traveller

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Book now, pay later

Vacation financing through Affirm is available for U.S. stays with a total rent of at least $250. Select "Pay later with Affirm"* at checkout.

How Affirm works

See if you’re eligible by providing some basic information. You’ll get a real-time decision (and your credit score won’t be affected).

Know exactly what you’ll owe before you commit. No hidden costs, no surprises.

Choose to pay in installments over 3, 6, 12, or 18 months*—even after the date of your trip.

Your trip, your way

When you finance your vacation with Affirm, your payment schedule is just one of the things you won't have to worry about.

Our professional property management includes 24/7 guest support, premium cleaning, and seamless check-in for your most relaxing vacation yet.

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Affirm travel FAQ

Who is eligible to apply for affirm financing on a vacasa stay.

While Affirm requires you to be at least 18 years old, you must be at least 21 to book a Vacasa home. (Some of our homes and destinations require a higher minimum age to rent the property—you'll see that specified on the property listing, if applicable.)

You must also be a U.S. resident booking a home within the U.S.

Does Affirm do a credit check, and how does it impact my credit score?

If you choose to pay with Affirm, we ask for some basic personal information to see if you're eligible. You'll get a real-time decision on whether you prequalify for a vacation loan. This process includes a quick credit check—but it does not affect your credit score.

How do I make my payments?

After you complete your Vacasa trip purchase, look out for an email directly from Affirm about your vacation payment plan. You can make secure payments on Affirm's website, or through their app. Visit Affirm's help center for more details on making loan payments.

Can I amend my order after my purchase has been processed?

If you need to adjust your reservation after purchase, you can do so in your Trip Manager . For any changes that come with additional fees (such as adding pets or pool heat), you'll need to pay for those with a credit card. Those charges cannot be added to your existing loan through Affirm.

And, if you end up needing to change dates or cancel your reservation, good news—trips paid for with Affirm still fall under our worry-free booking policy . You'll also see your change and cancellation options in your Trip Manager.

Can you make payments on a trip to Hawaii?

Yes, you can. We offer vacation payment plans through Affirm on U.S. stays, including those in Hawaii (as long as the rent totals at least $250).

Where to next?

Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.

A guide to using buy now, pay later for travel

PayPal Editorial Staff

January 5, 2024

Planning a vacation? Buy now, pay later (BNPL) may be offered as a payment option when booking flights, hotels, or other travel accommodations.

Discover how BNPL options work for travel, from potential pros and cons to responsible practices and strategies if considering using it.

What is buy now, pay later for travel?

Buy now, pay later is an installment option that allows people to split up purchases into several smaller payments over weeks or months. It can typically be used for several types of purchases, from big-ticket items like electronics and furniture to travel expenses like hotels and airfares.

If BNPL is an available payment option for an airline, hotel, or travel retailer, individuals can opt for a payment plan at checkout. Normally, they would select the BNPL provider and apply in the checkout, but some providers may redirect applicants to their website to create an account and apply. Typically, applicants receive a near-instant decision, which may mean those looking to use buy now, pay later for travel can book their travel or vacation without a significant delay.

Depending on the BNPL provider , there may be interest fees and other charges, though some providers may offer plans with no interest. Be sure to review any terms before applying.

While application and approval requirements may vary depending on provider, here’s a breakdown of the general eligibility requirements and approval process:

• Meet the eligibility requirements:  These can vary based on the provider. People typically need to be at least 18 years old and provide personal details like their social security number and home address. Some BNPL providers may also assess income, payment history, and credit score.
• Agree to the terms:  Individuals must agree to the terms and conditions of a BNPL plan, including an installment schedule and any associated fees or interest charges.
• Receive a decision and book travel:  People usually receive a BNPL approval decision in seconds. If approved, they can book their travel using BNPL as their payment method.

Potential benefits of using buy now, pay later for travel

Before using buy now, pay later for a trip, consider the potential advantages:

• Flexibility:  BNPL may offer flexibility to spread the cost of a trip over time, allowing travelers to manage their budget and avoid a significant upfront expense.
• Interest-free options:  Some BNPL services may provide interest-free payment plans. For example, PayPal’s Pay in 4 allows people to split eligible purchases into four interest-free, bi-weekly installments. 1
• Accessibility:  Buy now, pay later may help make travel accessible to those with limited credit histories or low credit scores.

Potential downsides of using buy now, pay later for travel

There are some potential disadvantages to using buy now, pay later for travel expenses. Some examples include:

• Interest and fees:  Some BNPL providers may charge interest or fees if travelers miss payments or choose longer repayment terms, potentially increasing the overall cost of their trip.
• Overspending: While BNPL offers flexibility, it can also lead to overspending if travelers don't carefully budget for their installment payments. It also may tempt some to book more expensive trips than they can comfortably afford.
• Credit impact: Although certain buy now, pay later providers may not conduct hard credit checks initially, missed payments or defaults may negatively impact credit scores in the long run.
• Limited booking options:  Not all travel providers or agencies accept BNPL as a payment option.

Using buy now, pay later for travel responsibly

Here are some factors to consider when signing up for a BNPL plan for travel:

• Budget and plan:  Establish a personal budget  for travel plans that includes not only the upfront trip cost but also the future installment payments to ensure the overall expense remains manageable and within budget.
• Read the fine print:  Carefully read and understand the terms and conditions. Pay close attention to any interest rates, fees for missed payments, and the total cost of a trip when opting for BNPL.
• Responsible spending:  Avoid the temptation to overspend just because BNPL offers flexibility. It’s important to only buy on credit responsibly .
• Ensure timely payments : Commit to making payments on schedule to avoid late fees or interest charges. Setting up automatic payments  can help prevent missed deadlines.

Using BNPL for travel may offer convenience and flexibility for those looking to travel or book a vacation, but it should be done with careful consideration. Be sure to consider any fees or interest that may apply and keep track of when payments need to be made.

Learn about PayPal Pay Later .

BNPL for travel FAQ

What is buy now, pay later.

Buy now, pay later is a type of short-term financing method that allows people to split a purchase into several smaller installments over weeks or months. Some BNPL plans may be interest free, while others may include interest and fees.

Can buy now, pay later be used for flights?

Buy now, pay later can often be used for flights. Many airlines and travel booking platforms offer BNPL as a payment option at checkout. Travelers should budget and plan their payments accordingly before committing to a payment plan.

Can I book a vacation with buy now, pay later?

Individuals may be able to book a vacation using buy now, pay later. BNPL options are increasingly available for vacation planning, including flights, accommodations, and activities. Travelers can opt for BNPL at checkout and split the total cost into smaller installments. However, be sure to budget carefully and be aware of any potential interest or fees.

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How to book travel (and save points) with Chase Travel

Editor's note : This is a recurring post, regularly updated with the latest information.

Chase Ultimate Rewards is one of the best flexible rewards currencies available, and you can get some incredible value from your Ultimate Rewards points .

Generally, we recommend transferring Chase points to the program's airline and hotel partners for award bookings. However, sometimes redeeming Ultimate Rewards points for paid travel through Chase Travel℠ is more advantageous. This option can save you money, particularly when traditional award space is unavailable, as you can book almost any available flight or hotel through Chase Travel.

Here's what you need to know about Chase Travel.

Related: New Chase Sapphire Preferred offer: Earn 75,000 of the most valuable points

What is Chase Travel?

To maximize your Ultimate Rewards points, it's often best to transfer them to partner programs like United MileagePlus , World of Hyatt or British Airways Executive Club for award reservations. However, it's important to compare the points needed for a direct booking through Chase Travel to those required for an award booking. Sometimes, booking through the portal can be beneficial, as the points price is tied to the cash cost of the flight or hotel stay, potentially resulting in lower point requirements.

However, you need to have some Chase points before using Chase Travel. If you're unfamiliar with Chase's most popular cards and welcome offers, here are a few current ones to be aware of.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is a TPG favorite. It currently comes with one of the highest sign-up bonuses from Chase — 100,000 bonus points after you spend $8,000 on purchases in the first three months of account opening.

Based on our valuations , the bonus points alone are worth $2,050. However, you can redeem these points through Chase Travel for a fixed value of 1.25 cents apiece.

Read more: Ink Business Preferred Credit Card review: A great all-around business card

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is another fantastic addition to your wallet. For a limited time, you'll earn an elevated 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. The bonus is worth $1,538 based on TPG valuations .

Like the Ink Business Preferred, you'll get a value of 1.25 cents per point when booking directly through Chase Travel with the Sapphire Preferred. You'll also earn 5 points per dollar on paid travel purchased through Chase (excluding the first $50 in hotel purchases that qualify for the card's annual hotel credit ).

Read more: Chase Sapphire Preferred credit card review: 75,000-point bonus for a top travel card

Chase Sapphire Reserve®

For a limited time only, the Chase Sapphire Reserve® offers 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, which is worth $1,538 based on TPG valuations.

This card includes additional perks, like a PreCheck or Global Entry credit , Priority Pass lounge access and a $300 annual travel credit . This card also boosts your portal redemption rate to 1.5 cents per point, giving you 0.25 cents per point in additional purchase power over the Sapphire Preferred. When you book travel through Chase with the Sapphire Reserve, you'll earn 10 points per dollar on hotels and car rentals and 5 points per dollar on flights (excluding purchases that qualify for the $300 travel credit).

Read more: Chase Sapphire Reserve credit card review: Luxury perks and valuable rewards, plus a 75,000-point bonus

Cash-back cards

Chase also issues a number of cash-back credit cards — including the Chase Freedom Unlimited® , Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card . The rewards you earn on these cards are worth 1 cent apiece toward travel in Chase Travel. However, Chase allows you to combine your earnings into a single account . This means that you can effectively convert these cash-back rewards into fully transferable Ultimate Rewards points if you also have the Sapphire Preferred, Sapphire Reserve or Ink Business Preferred.

How to use Chase Travel

You can book flights, hotels, car rentals, cruises and other travel through Chase Travel, and it's relatively simple to access. First, you'll need to log into your Chase account, then navigate to the right side of the page, where you'll see a little box with your total Ultimate Rewards balance.

Click the box and it will bring you to the Ultimate Rewards dashboard, which looks like this:

Click "Travel" to access the travel homepage and search for airfare, hotels or vacation rentals.

Remember that when you book hotels through the portal with Ultimate Rewards points, you typically will not earn hotel points and elite credits and may not receive elite status perks because it's considered a third-party booking.

However, flights booked through the portal will typically earn frequent flyer miles and qualify for elite status.

How to book flights using Chase Travel

Booking your flights is a straightforward process once you've navigated to the portal's travel page. Type in your arrival and departure airports and travel dates, then hit the search button. For this search, I looked for a one-way flight from San Francisco International Airport (SFO) to Newark Liberty International Airport (EWR).

You'll then see the available flight options. When you find a flight you like, select the fare type you want to book and click the blue "Choose flight" button.

Once you've selected your preferred flights, you'll be taken to the next page to review your flight information and look over any upgrades you'd like to make.

Then, you'll be directed to the checkout page, where you can pay with cash, points or a combination of the two. Again, points linked to a Chase Sapphire Reserve account are worth 1.5 cents each. If you have a Chase Sapphire Preferred Card or Ink Business Preferred Credit Card , points are worth 1.25 cents each.

Finally, you'll be directed to a page where you will enter the traveler's information and finalize your flights.

How to book hotels using Chase Travel

Booking hotels is similar to booking flights on the travel portal. This can be advantageous if you're looking at hotels outside of major chains that partner with Ultimate Rewards ( Hyatt , IHG and Marriott ). Regardless of how you book your hotel, compare the award rates required by these hotel loyalty programs to ensure you're getting the best deal.

Also, if you have an eligible card, you can access the Chase Luxury Hotel & Resort Collection , which gives you perks at around 1,000 luxury properties worldwide. Participating cards include the Chase Sapphire Reserve , United℠ Explorer Card , United Club℠ Infinite Card , United Quest℠ Card and United℠ Business Card .

Here's a sample search for hotels in Olso, Norway, which hosts mostly boutique hotels.

Once you've selected your desired property, room and rate, you can specify how many points you want to use on the checkout page.

Then, run through the on-screen prompts to finalize your booking, and you'll get an email confirmation.

Remember, you'll receive up to $50 in statement credits yearly for hotel reservations made through Chase Travel as a Sapphire Preferred cardholder.

Related: Book low-end or luxury hotels to get the best value from your points

How to book car rentals, cruises and other travel using Chase Travel

Using Chase Travel, you can rent cars, pay with points and still receive the excellent primary car rental insurance offered by the Chase Sapphire Reserve and Chase Sapphire Preferred Card .

The process of renting cars is similar to booking flights and hotels. Navigate to the "Cars" header from the main landing page and type in your itinerary, even if it's a one-way rental. Then, select "Search," and the results page will pop up. Once you choose your car, you'll be prompted to select add-ons.

When you've finished selecting, you'll head to the booking page, where you'll input your personal information and choose how many points you'd like to spend. Remember that to qualify for rental car insurance, you must decline the car rental company's collision damage waiver and ensure that anyone driving the car is on the rental agreement.

You can also book activities and cruises through Chase. Regarding activities, you can use your points to book fantastic tours like a Washington, D.C., night monument tour or Singapore heritage food tour at 1.25 or 1.5 cents each. This can be an excellent way to make a vacation free, instead of just your hotels and flights.

Cruises are also available, though you'll have to call to book those.

Related: The easiest ways to save on rental cars

More things to consider about Chase Travel

Below is some general guidance to maximize your experience with the portal.

We recommend comparing the points needed through Chase Travel with those required for partner transfers, factoring in taxes and fees. If you have or want hotel elite status, avoid booking hotels through the portal. These stays generally won't count toward status or qualify for hotel elite status benefits.

Booking through Chase Travel with cash can earn you extra points; Ink Business Preferred and Sapphire Preferred cardholders earn 5 points per dollar on all travel and Sapphire Reserve cardholders earn 5 points per dollar on flights and 10 points per dollar on hotels and rental cars. You might find better rates by booking directly with the travel provider; however, if your plans are firm and rates are comparable, booking through the portal can be worthwhile for earning extra points.

Remember that booking through third-party sites may result in issues if you change your plans, though. Travel providers are more likely to assist you if you've booked directly with them.

Bottom line

Chase Travel lets you use your points to book flights, hotels, rental cars, cruises and activities. If award flights aren't available or you find a cheap fare that requires fewer points, booking through the portal can be a good option.

With the Chase Sapphire Preferred and Chase Sapphire Reserve cards offering elevated welcome bonuses of 75,000 Ultimate Rewards points, now is a great time to look at Chase Travel.

Similarly, for hotels, it can be a good deal if you find a cheap rate or book a boutique property, but keep in mind that you may not earn hotel points or receive elite benefits. Whether booking rental cars, activities or cruises, always compare the options to see if using the portal or transferring to partners for an award is more advantageous.