MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.
Traveling Europe — in Normal Times — can be an expensive splurge or an affordable adventure depending on where you go, how you plan to arrive and what you plan to do at your destination. Although the continent seems small, a quick hop to Ireland is a world away from a five-hour flight to the Canary Islands or an Interrail adventure to the Swiss Alps. With so many diverse countries to choose from, it can often be overwhelming to plan a trip — especially if you’re tight on funds. But if you follow the below tips, you can have a fantastic vacation that won’t blow your budget.
1. Get creative with points and miles
Having a stash of points and miles is great, but if you don’t really know how to use them, they won’t get you very far. So get creative with your points and miles and remember to think outside the box when using them.
For example, if you can’t find award availability on British Airways using your Avios, you can transfer them to Iberia or Aer Lingus for a whole slew of other redemption options.
Remember that partner airlines are always an opportunity and that your credit card points are transferrable to airlines that maybe aren’t as common. For example, American Express Membership Rewards points transfer to airlines like Aer Lingus and Air France-KLM.
Read more: The ultimate guide to Amex Membership Rewards
2. Fly low-cost
With many spots in Europe just two-hours or less away by plane, flying a low-cost carrier isn’t so bad — as long as you know the rules. Remember that you’ll be charged extra for pretty much everything, so plan ahead if you want to check a bag, board first or reserve your seat. If you are country hopping, consider choosing a home base and planning weekend trips so you don’t have to check all your luggage. And when you snag a deal for $50, $25 or even$10, just grab your under-the-seat backpack and go — you won’t regret it.
3. Travel in the off-season
Traveling in off-season or shoulder-season will save you money on flights, hotels and award redemptions. Plus, you’ll deal with fewer crowds and avoid long lines, especially when visiting major tourist attractions.
Flights and hotels may offer cash deals in the off-season and remember that most airlines have peak and off-peak calendars when it comes to award redemptions, charging fewer miles/points during off-peak dates.
And consider that some hotel loyalty programs, such as Bonvoy, now have both peak and off-peak points redemptions, so if you choose to redeem during off-peak dates, your points will extend even further.
Generally speaking, most European countries’ off/shoulder-seasons are October to November and January to June. Of course, avoiding major celebrations like Christmas and Easter, as well as busy bank holiday weekends, will also ensure you get the best rates.
4. Visit affordable destinations
Visiting Paris and Amsterdam (even if you do get an affordable flight deal and are able to use points for a hotel stay) won’t run cheap. Instead, consider some cheaper cities in Europe, such as Krakow, Porto, Bucharest, Kiev, Budapest and beyond. A good rule of thumb is to decide what type of vacation you hope to have and then look for alternative options.
For lazy beach days, skip the French Riviera and head to Sicily or the Albanian Riviera instead. Ditch Santorini for a lesser-visited Greek Island like Paxos, Sifnos or Symi. Wine taste in Estonia, not Bordeaux, admire art in Madrid, not Vienna, or ski in Spain’s Sierra Nevada instead of the Swiss Alps. Whatever style of European vacation you’d like to have, you can do on a budget — just pull out a map and think outside of the traditional hotspots.
Read more: Long layover in Madrid? Here’s all you need to know
5. Stay in a home rental or hostel
Home rentals can actually save travelers a lot of money — and not just on the actual rate of the rental, but also on dining out or doing laundry. Since home rentals often come with amenities like a full kitchen or washing machine, you can cook your meals and wash your clothes at home, which is a huge money saver — especially for a lengthy stay. And living like a local has cultural benefits, too, like getting a real feel for a city and how its residents go about their daily routines.
Hostels are another cost-effective alternative to hotels. And it’s not what you think: these types of lodgings aren’t all bunk beds and backpackers. In fact, many European hostels come with private bathrooms and bedrooms, more like small hotels than anything else. Plus, Europe is seeing an uptick of trendy boutique hostels such as the Generator brand, meaning you can still have a comfortable accommodation experience while not overspending.
6. Use the right card for purchases abroad
Unfortunately, some points-earning credit cards charge a foreign transaction fee (about 3%). However, depending on the value of the points you can earn, you may (or may not) come out on top when using it abroad. To find out, check out the TPG’s monthly points valuations to see how valuable certain point currencies are.
While we almost never recommend using a debit card, but it may make sense in many instances when spending abroad. For the best cards to use, check out this guide on best cards to use abroad.
7. Know the tipping rules
Whether it’s 10% or nothing at all, understanding the tipping culture can help you avoid a faux pas post-meal or after a taxi ride, as well as ensuring you don’t spend money unnecessarily. Apps like Gratitude Tipping can help, showing you the rules by country for tipping drivers, guides, restaurant waiting staff, bartenders and hotel staff.
8. Don’t discount trains
Although trains aren’t always super cheap, sometimes they can be affordable and easy — especially when booked in advance. Trains will help you avoid airport delays, turbulence and are generally more comfortable than a teeny airplane seat. If you need to travel with a lot of baggage or extras, trains can also be an ideal choice. And some European train journeys are incredibly scenic, making the train ride a vacation in itself. For those heading off on a backpacking adventure, Interrail passes are a valid option.
9. Travel light
Almost all European airlines charge for checked baggage — and many taxi drivers around Europe will also add on fees for luggage, too. You can avoid this by packing light and right, using things like packing cubes or wearing travel clothing.
10. Do a free walking tour
Most European cities offer free walking tours. Check online before traveling, sign up in advance if necessary and enjoy your free tour. Although tipping is suggested, it’s likely you’ll still spend a lot less, even after generously tipping your guide. You may also meet other like-minded travelers, which can be welcome if you’re traveling alone or looking to make new friends.
11. Check on your mobile data
While some mobile networks offer free roaming in Europe, it’s a good idea to confirm to ensure you won’t see any added roaming charges. There’s nothing worse than receiving a hefty mobile bill upon return when you’re already dealing with post-vacation blues. If your network doesn’t offer free-roaming, see how much roaming rates cost before traveling, or consider buying a local SIM card upon arrival to your destination.
Featured photo by Claudio Testa/Unsplash.
SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.
And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free.
These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.