Traveling is an exciting experience, but it often comes with its fair share of stress — long security lines, unexpected delays, and the challenge of navigating busy airports. However, with the right credit card in your wallet, many of these hassles can be minimized or even eliminated. Whether you are breezing through security, relaxing in a luxurious airport lounge, or having peace of mind knowing you are covered in case of delays, the right credit card benefits can turn a stressful journey into a smooth and enjoyable adventure.

Here are five key credit card perks every traveler should know to make their journeys smoother, more comfortable, and less stressful.

TSA PreCheck® And Global Entry

Credit. CNN. TSA PreCheck®.

TSA PreCheck® and Global Entry are two of the most popular travel perks offered by many credit cards, and for a good reason. These programs streamline the security and customs process, making airport navigation far less stressful. Here is a brief overview of each program:

TSA PreCheck®

With TSA PreCheck®, you can skip the long security lines at many U.S. airports. This program allows you to pass through security without removing your shoes, belts, or jackets, and you can keep your laptop and liquids in your bag. TSA PreCheck® is available at more than 200 airports across the country, and the dedicated lanes typically move much faster than standard security lines. The program costs $78 for a five-year membership, but many travel credit cards will reimburse this fee, making it a cost-effective way to save time and reduce hassle.

Global Entry

Global Entry takes the benefits of TSA PreCheck® and adds expedited customs processing when returning to the U.S. from abroad. Instead of waiting in line for a customs officer, Global Entry members use an automated kiosk, scan their passport, and complete the declaration process quickly. This program is ideal for international travelers who want to avoid the often-lengthy customs process. The fee for Global Entry is $100 for five years, and like TSA PreCheck, many premium credit cards offer a statement credit to cover this cost.

Each program not only saves time but also reduces the stress of travel, making them essential for anyone who flies frequently.

Note: When you sign up for Global Entry, you automatically get TSA PreCheck®. 

CLEAR

Credit. Condé Nast Traveler. CLEAR.

While TSA PreCheck® and Global Entry are fantastic for speeding up security and customs, CLEAR takes convenience a step further by allowing you to bypass even the TSA PreCheck® line. CLEAR uses biometric data — either your fingerprints or a scan of your eyes — to verify your identity, letting you skip the standard ID check and head straight to the front of the security line.

Clear is currently available at more than 50 U.S. airports, as well as select stadiums and venues, making it a versatile service for frequent travelers. The membership costs $189 per year, but several premium credit cards provide a credit to offset this fee. While this might seem steep compared to TSA PreCheck® or Global Entry, the time saved can be invaluable, especially during peak travel times when security lines are at their longest.

Note: One of the best aspects of Clear is that it works in conjunction with TSA PreCheck. This means that if you have both, you can zip through security with minimal delay, making your airport experience as seamless as possible.

Airport Lounge Access

Credit. CNN. Airport Lounge.

Air travel can be exhausting, especially with long layovers, delays, or early-morning flights. Airport lounge access is a game-changer in these situations, offering a quiet, comfortable place to relax away from the hustle and bustle of the main terminal. Many premium credit cards offer complimentary access to airport lounges, either through their own network of lounges (i.e. Centurion Lounges, Capital One Lounges, or Chase Sapphire Lounges) or via partnerships (i.e. Priority Pass or Plaza Premium).

Inside an airport lounge, you will find comfortable seating, complimentary snacks and beverages, high-speed Wi-Fi, and often even showers and nap rooms. These amenities can make a significant difference in your travel experience, allowing you to recharge and prepare for the next leg of your journey. For frequent travelers, lounge access becomes an indispensable part of the travel experience. It is not just about luxury; it is about creating a space where you can work, relax, and unwind. Many lounges also offer travel assistance services, so if your flight is delayed or canceled, you can get help rebooking while enjoying the lounge’s comforts.

Related: The Best Credit Cards For Airport Lounge Access

Lost Or Delayed Luggage Insurance

One of the most frustrating aspects of travel is dealing with lost or delayed luggage. Fortunately, many credit cards offer lost or delayed luggage insurance, providing coverage for essential items if your bags do not arrive on time.

Here is how it works: if your checked luggage is delayed for a certain number of hours (usually four to six), this insurance will reimburse you for the cost of purchasing essential items like clothing, toiletries, and other necessities. If your luggage is lost altogether, the insurance can cover the cost of replacing the items that were in your bag. This benefit is particularly valuable for travelers who frequently check bags or who are embarking on longer trips where they cannot afford to go without their belongings for an extended period. It offers peace of mind, knowing that you will not be left scrambling if something goes wrong with your luggage.

Delayed Or Canceled Flight Insurance

Credit. The Hill. Airport Flight Delays And Cancelations.

Flight delays and cancellations are an unfortunate reality of air travel, but with the right credit card, you can mitigate the impact of these disruptions. Delayed or canceled flight insurance is a benefit that provides financial protection when your flight doesn’t go as planned.

If your flight is delayed for several hours (usually three or more) or canceled outright, this insurance can reimburse you for expenses like meals, hotel stays, and even transportation to and from the airport. This benefit can be a lifesaver when you are stuck in a city overnight due to a canceled flight or need to cover unexpected costs during a delay. The coverage typically extends to all travelers on the same itinerary, making it especially useful for families or groups. By taking advantage of this benefit, you can turn a potentially stressful situation into a more manageable one, knowing that your expenses are covered.

Related: The Best Credit Cards For Travel Insurance

Related: EU 261 Flight Compensation: What You Need To Know

Final Thoughts

Credit card benefits are more than just nice-to-haves — they are essential tools that can make your travel experience smoother, more comfortable, and less stressful. From speeding through security with TSA PreCheck® and CLEAR to enjoying the peace and quiet of airport lounges, these perks can take the edge off even the most hectic travel days. And when things do not go as planned, benefits like lost luggage insurance and delayed flight coverage provide a safety net that can save you both time and money. So before you embark on your next journey, consider the credit card in your wallet. Choosing one with the right benefits is not just a smart move — it is a way to ensure that your travels are as enjoyable and stress-free as possible.