Travel can be its own reward. But if you’re planning on taking trips far and wide, you may want a chance to reap some benefits from your spending that can make all that moving around a little less stressful. To do that, you can use a credit card that earns points that can be cashed in later, provides particularly useful services, or both.

With the holidays approaching, there’s no better time to start budgeting for expenses like gifts and trips to see family. To help free up more cash this winter, lenders like InTouch Credit Union have rolled out payment-skipping programs for certain types of loans.

If you’ve surpassed your holiday shopping budget in the last few years—or don’t have one to begin with—you’re not alone. Of the 53 percent of consumers that set a spending limit for themselves each year, 46 percent admit that they’ll probably dish out more than planned, according to consulting firm Accenture.