Tap your credit cards for spring break savings

Whether you’re bound for an international adventure or a visit to the in-laws, here are some features and benefits you may be able to enjoy this spring break.

1. NO FOREIGN TRANSACTION FEES

Make sure your credit cards don’t charge foreign transaction fees, generally 1 to 3 percent of each purchase, every time you use them internationally. If they do, don’t use them.

2. AIRPORT LOUNGE ACCESS

Instead of splurging on meals at the airport, see whether your credit card offers airport lounge access. If so, you may have access to complimentary meals, beverages, Wi-fi — even a shower, depending on the lounge.

3. CHECKED BAGS OR TRAVEL CREDITS

Airline credit cards and premium travel credit cards typically charge annual fees, but you can offset that cost if the card offers free checked bags or travel credits.

4. TSA PRECHECK OR GLOBAL ENTRY

If time is money, find out whether your credit card will reimburse you the application fee for TSA Precheck or Global Entry programs .

5. INSURANCE BENEFITS

Take advantage of the insurance benefits your credit card may provide. Some cards, for example, feature lost luggage reimbursement, trip cancellation insurance or primary coverage when you use them to rent a car. — Nerdwallet